Halifax paid up..........£917 in 8 days.

[Its WAR]

I received my statements from Halifax in 20 days. And found £195 in charges for bounced direct debits. Can I charge them the interest rate 17.9% APR over the six years. Assuming they dont settle, will the courts 8% then apply on top?

[Spiceskull]

Hi Haydn,

 

Your questions suggest you are not familiar with everything in the FAQs and Library, and that you have not read that many posts. It is IMPERATIVE that you familiarise yourself with everything before embarking on a claim.

 

You can claim for everything on your statements that is not a justifiable service fee, or justifiable interest:

 

Claim:

• Penalty Charges applied to your account. This is for exceeding overdrafts, referral/representation of DD’s and SO’s, cancellation of DD’s and SO’s, card misuse charges - the list is long!
  
• Interest charged to your account for any of the above
  
• When the interest is applied to the penalty charges, then this interest should be included
  
• If your transaction history identifies what interest is applied for what reason, then be honest about the amount you request
  
• If the interest is not itemised, then claim for ‘Interest Charges,’ and the onus will be on the bank to demonstrate the proportion they are entitled to
  

 

Don't Claim:

• Agreed fees, such as £5 monthly overdraft arrangement fee
  
• Interest 'proper' - this is normal interest on the amount you are overdrawn
  
• Any concept of costs or time at this time
  
• Interest other than that which appears on your statements
  
• Interest at 8% APR (that comes when you raise your claim at court)
  

 

Good luck.

[Its WAR]

I had my statements arrive today by Special Delivery. But no postage. I had to go to the sorting office to collect the bundle and pay £5.45. I have added 16 miles @ 90.8p plus £5 plus the £5.45 postage to my LBA. This is so much fun. And now we've got good at this, we can start chasing the Parking Ticket debacle.

[Its WAR]

Summons issued 14th August claim settled in full £917 22nd August. Is this a record? Earlier claim issued 6 June and paid in full 29 June £237. Three claims still in the pipeline. :D :D :D

[seashell]

Hi did you have to pay the court fees first before they settled with you

Seashell

[david Reed]

lucky duck, was the 14th the day it was issued or the day it showed up as issued on money claim

 

e.g. Mine was issued the 15th online but the court summons letter considers the issue served 5 days later??

 

just curious as I am hoping mine pays up soon too

[thewifeandI]

Great news! Have you filled in the survey?

[Befnal]

lucky duck, was the 14th the day it was issued or the day it showed up as issued on money claim

 

e.g. Mine was issued the 15th online but the court summons letter considers the issue served 5 days later??

 

just curious as I am hoping mine pays up soon too

 

David,

 

I understand that it is 14 days from the date of issue, or, if the claim was acknowledged, 28 days from that date.

[Its WAR]

This was issued on 14th, served a few days later and settled on 22nd. I dont understand why they waited for the summons if they intended settling so quickly because they then incured £50 issue fee plus 8% section 69 costs and interest on top.

[Befnal]

This was issued on 14th, served a few days later and settled on 22nd. I dont understand why they waited for the summons if they intended settling so quickly because they then incured £50 issue fee plus 8% section 69 costs and interest on top.

 

May be that they thought you wouldn't go through with it, but agreed, it doesn't make much sense to me.

I'm wondering whether the decision to settle is taken by each branch on an individual basis, or if it is part of some dictat handed down from the head office. Congratulations on your win anyway!

[thewifeandI]

It's purely Head Office. I'm sure there's some legal reasoning behind it (as well as the b*ggeration factor to see who flinches first).

[clairepd]

hi new to this i have my first letter ready to go but am a bit nervous! not sure what to do!!!

[thewifeandI]

Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!

 

Also it would be a good idea to start your own thread so that your claim doesn't get lost in someone else's. We will be able to keep an eye on your progress better if you do.

[Bookworm]

3 threads merged. Please keep to one thread per claim, it makes things a lot easier to follow.

[Its WAR]

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group