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Beanie v Halifax ***SETTLED IN FULL***


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Just had a mail from MCOL to say that they are withdrawing and refunding so I will start again when I get home tonight!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Well it's all happening now. I have withdrawn the court case and then we get home and found a letter from the Halifax saying how sorry they are that we didn't accept the offer of £200.... and try again with £598.... umm....nope.

 

MCOL take 2 tonight!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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OK then, here are my "revised" particulars of claim using Jonni2bads template... can someone please tell me that I got it right this time!:rolleyes:

 

1. The Claimant has an account a/c no here with the Defendant, opened 2002 2. Since 12/06/02 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1997; (b) Interest per S.69 County Courts Act 1984 of 8% - £395.92 continuing at 8% until judgment or settlement at a daily rate of £0.43; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

 

Obviously I have put the account number in the claim... just didn't want you all raiding his account! :D

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Looks ok to me ! same as what i put and got aknowledment today!

Prelimary sent 18/9/06

:-)

£420 first offer 30/9/06 :mad:

LBA & partial acceptance sent 2/10/06:-)

Halifax acknowledge refusal of full and final settlement 5/10/06

Money claim issued 10/10/06

Acknowledged by Halif%&ers 12/10/06

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That's good enough for me - off I got to find the boyfriends bank card!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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any news beanie?

 

i got papers through from court on saturday, hopefully a letter in the post from halifax tomorrow.

Prelimary sent 18/9/06

:-)

£420 first offer 30/9/06 :mad:

LBA & partial acceptance sent 2/10/06:-)

Halifax acknowledge refusal of full and final settlement 5/10/06

Money claim issued 10/10/06

Acknowledged by Halif%&ers 12/10/06

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Nothing yet but MCOL only processed it Friday - there could be some post waiting when we get home tonight - will keep you posted.

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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I lied - after my last post my other half told me that he did get a letter from the court on Saturday (I went away for the weekend) so we will see what happens next. Boyfriend has been given his instructions for if the Halifax phone him!

 

When are you expecting the Halifax to cave in Jonny?

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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last saturday ! lol

 

keep expecting a letter any time now !

Prelimary sent 18/9/06

:-)

£420 first offer 30/9/06 :mad:

LBA & partial acceptance sent 2/10/06:-)

Halifax acknowledge refusal of full and final settlement 5/10/06

Money claim issued 10/10/06

Acknowledged by Halif%&ers 12/10/06

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Halifax acknowledged 18th October.... waiting for letter now...

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Got home and no post today... will be waiting for the postie to turn up tomorrow!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Had the letter from the court this morning notifying that Halifax intend to defend - is this still going according to plan? Do they say they will defend and then pay up?

 

Just want to make sure nothing unusual is happening with my case!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Hi Tina,

 

Glad you got sorted with your account number/MCOL thing - nightmare!

 

Yep, the intend to defend is competely normal - in fact to the best of my recollection the day that landed in the post was the same day the full refund landed in the bloke's account!

 

Keep an eye/ear on phone-banking! :)

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Nope - still nothing. Getting a bit worried now....

 

I haven't checked todays post yet though.... I look forward to going home each night and then get disappointed all over again!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Hi Beanie,

 

Your on a similar timescale to mine. My MCOL ack on 13 October. I've not heard anything yet and nothing in to days post :(

 

My fingers have been crossed for so long it's starting to hurt now

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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That's good to know Wicket - at least it isn't just me!

 

All the threads I read seem to show people getting full refunds within about 20 minutes of acknowledgement (or something) so I was feeling a bit left out of the party!

 

We can sit in the corner together!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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I had the same impression, most seemed to be settling within 7 days so to say I've been getting a little anxious is an understatement.

 

There are a couple more out there on the same timeline, again not yet settled, so as you say were not alone....just hope it's not a change in tact from hx. See off I go again - where's my finger nails gone?

 

good luck....going back to my corner now :)

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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Nothing in the post again today.... sulk

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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:( nothing in the post today - anything with yours beanie??

 

Does anyone know when halifax last settled a claim?

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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Not sure about mine yet - postie comes after I go to work.

 

Will report back tonight though.... fingers crossed!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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