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    • Yes I have read to ignore anything unless it says Letter of claim  I was just updating stating what I’d received and was asked to upload it  they can keep writing 
    • Steady on, that’s almost as blunt as my response I’m just not sure the OP is going to get the answer / “nuanced response” it seems they were hoping for ……..
    • My mind is a blur so i cant recall exactly what the judge said at the end, but he mentioned that he would be making an order for Evri to make payment to me. I wasn't sure if the court order will also be provided to me, either by post or email - if anyone can shed some light please?
    • Agree with everyone here it's bang to rights. Looks like you just slightly jinked left in order to go right. Ultimately, your time saving attempt is going to cost you as I don't think you have any grounds to appeal. I'd just pay the charge and chalk it up to experience.
    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
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halidebt v Halifax


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DPA request sent 27th June

Request acknowledged 13th July

£10 cheque cashed by Halifax 17th July

 

The 40 days ran out on Sunday - no statements have arrived!

 

I have complained to the information commissioner.

 

I have also sent the following letter before action to Halifax:

 

------------------------------------------------------

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

Dear Sir/Madam

ACCOUNT NUMBER: 4556 4730 0153 6902

You have failed to comply with my Data Protection Act Subject Access Request dated 27th June 2006.

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

For your information, I received acknowledgement of my request from [name of employee] of the Business Risk – Retail department in a letter dated 13th July. However, the requested statements have not been delivered. The 40 day period for compliance with my Request expired on 6th August.

I have also lodged a complaint with the Information Commissioner’s Office.

Yours faithfully,

[Halidebt]

------------------------------------------------------

 

Should get their attention!

 

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Hi all,

 

I've made a spreadsheet to recalculate credit card statements as they would be without charges - this has an important impact on the interest charged.

 

How do I post a file?

 

Halidebt.

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Done it!!! Now I just need to know what to do with it...

 

...doesn't seem to be an attach button here.

 

Can anyone help? How do I post/upload spreadsheets?

 

 

Hi Halidebt and everyone else out there!

Is there any news on the spreadsheet for calculating Credit card debts?

Sorry I have been offline for ages with all sorts of problems.

I will get back on tonight and let everyone know what is happening when I finally get some peace!

Thanks for everything so far.

Have issued my claim today online for my current account. Will post all the details later when I find my thread!

Substation.

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You just need to print off the Charges and Interest sheet and send that as your 'schedule of unlawful charges claimed'.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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It's probably best to email it to Vamp when she's back off her hols.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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That sounds like an excellent idea. I think you would be best PMing one of the mods.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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Hi all,

 

Having a few probs with my Halifax Credit Card.

 

Data Protection Act request for statements sent 27th June (incl £10 cheque)

Acknowledgement received 13th July

Cheque cashed 17th July

40 day limit expired with no sign of statements 6th August.

 

I sent a complaint form to the Information Commissioner's office on the 8th and the standard LBA to Halifax on the 9th by recorded delivery. It was received on the 10th of August. Since I gave them 7 days, that expires tomorrow - but I haven't heard anything.

 

Can anyone give me any advice?

 

Should I ring them or proceed with court action?

 

Also, is the £30 for court action recoverable from Halifax?

 

Thanks for all your help,

 

Halidebt.

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So the 7 days expired with nothing from the Halifax. Has anyone else had this problem - what did they do, what were their excuses?

 

I now have to take them to County Court when I find the time - even though I threatened to do this as soon as the deadline ran out I have too many other things to do for the next couple of weeks. Will this be a problem?

 

Thanks,

Halidebt

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5 threads merged.... visible finger wagging here!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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MAy I suggest this goes into the Halifax section rather than General ?

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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  • 3 weeks later...

If I formally dispute a debt, can they sell it to a debt collection agency?

 

This is the £1600 I 'owe' Halifax Card Services. I've worked out that when you take off charges they actually owe me a little bit. But now I'm threatening them with court, what's to stop they selling it to an aggressive agency?

 

I've heard there might be a law that prevents this if the debt is disputed. Is this true?

 

Thanks for the help,

 

Halidebt.

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They are certainly not supposed to take further action if it is disputed - just write a letter stating that you formally dispute the amount and you are in the process of taking legal action to resolve the matter.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...
  • 4 weeks later...

OK. Things have been a little busy since I was last on here.

 

Halifax tried to get me to sign a 'full and final settlement' for a paltry amount(£200). They have responded to the Information Commissioner's letter saying they have sent the DPA documents to me - they haven't - so I think they're lying to the IC.

 

Got fed up with Halifax's nonsense so I issued an N1 claim form through the county court earlier this month. Served on 11th October. This may be of interest to people as it was to get current account charges back, credit card charges wiped and for Halifax's breach of the DPA.

 

The monetary bit £835 (including section 69)

 

Three days later...intention to defend. So far everything as normal. Then on Friday (20th Oct) letter from Halifax: "Thank you for confirming your acceptance of our offer of £855.02. I am pleased to enclosea cheque for this amount in full & final settlement of your complaint" WHAT? There's a cheque, but I haven't agreed anything. They hadn't even offered this amount before. I don't even know where they've got this figure from.

 

So I'm not sure what to do, or what happens next. They've got 28 days from 11/10 to file defence - that's 8th Novemeber. Then I presume we get a court date. Since they haven;t wiped the CC 'bill' or complied with the DPA I'm intending to let it trundle on till we go to court. Any thoughts?

 

Cheers,

Halidebt

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claim no 6LV24880

 

amount £834.98 (and £80 in court costs since they're being unreasonable I think I can get this too)

 

this amount is comprised of: current account charges, overdraft interest, section 69 interest, and credit card account overpayment

 

the claim also requires halifax to drop their request for payment of approx £1700 on the credit card and to comply with my Data Protection Act S.A.R - (Subject Access Request) made in june which they have so far failed to comply with

 

halidebt

 

I presume from the above that your Particulars of Claim start at the wording "The claim also requires...."?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...

Hi, Sorry for taking so long to get back. I'll post the full particulars of claim after this. In the meantime:

 

HELP!

 

Despite filing a case against them for the full credit card bill amount, they've now started sending me postcards saying: "Our representative will be calling your home on: 20th Novemeber"

 

What are they doing? I'm getting a bit scared by this.

 

Thanks,

Halidebt

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