chelsea Vs HBOS **WON**

[doyin22]

After reading all the great reports i've decided to keep you updated of my own fight.

 

Bank of Scotland-

S.A.R sent 20/8/2006

Reply recieved, 40 days starts 12/07

statements received 04/08

Prelim sent 02/08/2006

2nd Prelim sent 30/8/06 as no reply to above

Reply received 1/9 offering approx £291

Sent 1/9 Accepted as partial settlement

LBA Sent 13/09/2006

Reply offering £873 received 14/9

19/9 accepted as partial settlement

MCOL Submitted 28/9 £2517

MCOL Issued

 

Won so far

B & M mortgage £595 - Have a lo at my thread under mortgaes

[doyin22]

:o Looks like am on a roll now, just won my 2nd claim against bank of scotland. My account is with bank of scotland in glasgow but i decided to file under english law and use halifax.

Details below:

 

HBOS

S.A.R sent 20/8/2006

Reply recieved, 24/8,

statements received daily from 04/09

Prelim sent 25/08/2006

2nd Prelim sent 30/8/06 as no reply to above

Reply received 1/9 offering approx £291

Letter Sent 1/9 Accepted as partial settlement but want full settlement

LBA Sent 13/09/2006

Reply offering £873 received 14/9

19/9 accepted as partial settlement

MCOL Submitted 28/9

MCOL acknowledged 3/10

Letter received 4/10 offering full settlement but without admission of liablity.

 

Extract below:

"....Your claim relates to bank charges debited to yur account. These charges were debited to your account in accordance with the acount terms and conditions, which you agreed to accept, and by whihc yu are bound.

 

I have returned the form of Acknowledgemnet of service to Northampton County Court indicating that Halifax intends to defend your claim. However, on a purly commercial basis, it will cost Halifax money to defend your claim interms of legal costs that will be incurred.

 

For this reason, but without admission of liablity. Halifax is willing to reimburse £2190.00 in respect of bank charges incurred, together with your £120.00 court fee...."

 

the charges they have offered to pay date from Nov 03 to present. I have not received all my S.A.R - (Subject Access Request) information for periods Aug 00 - Nov 03 and estimate about another £2000 of charges, so does nayone have advice on how to proceed, should i accept ths offer and start new claim once i have information or should i ask for an estimated amount to be paid? ???

 

 

 

[doyin22]

BOS have offered me a full refund but my claim was only for statements in my possession Nov 03 - Aug 06 so I'm not sure if i should accept.

 

I have not received all my S.A.R - (Subject Access Request) information for periods Aug 00 - Nov 03 and estimate about another £2000 of charges, so does anyone have advice on how to proceed, should i accept ths offer and start a new claim once i have information or should i ask for an estimated amount to be paid on top of my settlement figure? ???

 

 

HBOS

S.A.R sent 20/8/2006

Reply recieved, 24/8,

statements received daily from 04/09

Prelim sent 25/08/2006

2nd Prelim sent 30/8/06 as no reply to above

Reply received 1/9 offering approx £291

Letter Sent 1/9 Accepted as partial settlement but want full settlement

LBA Sent 13/09/2006

Reply offering £873 received 14/9

19/9 accepted as partial settlement

MCOL Submitted 28/9

MCOL acknowledged 3/10

Letter received 4/10 offering full settlement but without admission of liablity.

[debt_mountain]

2 options that I can see

 

1 accept this as part payment but ensure you donot sign anything that stops you claiming the rest

 

2 wait til you get your SAR and go for the full lot.

[doyin22]

Thanks. I think i will sit it out and see what happens as they said in their letter that they will credit my account within 5 days (wed 18th) and I haven't been asked to sign anything.

If i get cash by the end of the week, i will then go after the balance.

[heyheymymy]

You're in a very similar position to me. I wrote to them on friday as follows:

 

Thank you for your letter dated 03/10/06 (copy enclosed)

I will accept the sum offered, but only on the clear understanding that I will be pursuing recovery of any similar charges I have incurred prior to 03/03/2006 once copies of statements detailing these are to hand.

I would like to take this opportunity to thank you for your assistance and I now look forward to my account being credited with the funds.

Yours sincerely

Does anybody know if I'm likely to receive the funds or are they likely to force me to take the next step?

 

 

 

 

 

[Guest willowb]

Knowing RBS:-| the next step! good luck:)

 

Wxx

[doyin22]

Just received full settlement into my account and 5% Donation paid..

[Guest willowb]

FANTASTIC!!!!!.....WELL DONE YOU! :D

 

I just Luuuuurrrrrrve victory!!!

 

Wxxx

[Sexy_Em]

well done!

 

did it go to court?

[doyin22]

sort off, I filed with Money Claim on 29th sep and then sent them a letter after action. They acknolowledge they claim as intending to defend on 4th oct but i received a letter from them that was also dated the 4th oct offering full settlement within 5 days to my account if i close the case.

 

I received payment into my acount yesterday.

[ecobabe]

did you use an english address to do this or a PostaBox?

[doyin22]

My account was actually with Bank of scotland in Glasgow but i filed under english law and sent all my address to Halifax:

 

Chris Baker

Halifax

Customer Relations,

PO BOX 548

Leeds

LS1 1WU

[ecobabe]

did you use your own address for correspondence though. i thought you had to reside in england to use moneyclaim, cos if not then that is real interesting . i've got a couple of thousand in charges and it would take ages thru small claims

[doyin22]

I also had a london address so i used that.

[debt_mountain]

just complete the n1 (send the court 3 copies - recorded delivery) for that you can get from the step by step guide in the FAQ section and post it to an English court. I have been posting to the Morpeth court as it is fairly close should I have to travel.

 

Remember to use there leeds address.

 

Halifax

Customer Relations,

PO BOX 548

Leeds

LS1 1WU

 

I just used my home (Scottish) address and no problems.

 

Just post a cheque (made out to "HMCS") for the fee.

 

Morpeth and Berwick County Court

Fountain House

Newmarket

Morpeth

Northumberland

NE61 1LA

England

 

 

Her Majesty's Courts Service - Home

 

and the fees are

 

p to £300 £30

£300.01 - £500 £50

£500.01 - £1,000 £80

£1,000.01 - £5,000 £120

£5,000.01 - £15,000 £250

£15,000.01 - £50,000 £400

£50,000.01 - £100,000 £700

£100,000.01 - £150,000 £900

£150,000.01 - £200,000 £1,100

£200,000.01 - £250,000 £1,300

£250,000.01 - £300,000 £1,500

[ecobabe]

thanks for that, i shall certainly do that. if i can use my home address (near glasgow) and file in england that's great...it would take an eternity to claim thru small claims of £750. thanks and well done Chelsea!