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jonnyb321

Jonny b vs Halifax ***WON***

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Hi everyone!

 

just like to say thanks for all the hard work you have all put in, the info in here is brilliant.

 

ive just sent off for my statements but i have one question to ask before i send the full amount for them to cough up!

 

i do not have an overdraft does this mean that i dont charge 8% apr on the figure as all my charges are direct debits not going through ?

 

sorry if this is a bit simple but a bit nervous and want to get everything right!

 

thanks

 

jonny


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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Hiya

Don't worry about the interest for now, as you can't claim this until you get to the court stage, at which point you charge 8% per charge, which actually adds up to be quite alot of money!

good luck and keep us posted


Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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HI,

 

anyone clarify this for me as im just satrting my case.

 

send prelim letter with charges outstanding & breakdown ( no interest applied)

 

send LBA with charges and breakdown (without interest)

 

money claim form ( with interst added on)

 

is this correct or do i add intrest on the LBA letter)

 

thanks and good luck every one lets take them down together!


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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You are correct no interest until you file in Court


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Cheers Mechs

 

thanks for that!


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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HI everyone

 

got my statments in 4 days can you belive it ?

 

just sendding letter but where does it go ive got 2 address please can anyone tell me which to forward to ?

 

halifax

trinity road

hx1 2rg

 

or

 

customer relations

halifax

permanent buildings

commercial street

halifax

HX1 1BH

 

and should i send it recorded ?

 

thanks

 

jonny


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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we used the trinity road adress


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Thanks mechs !

 

i know that you dont put interest on untill money calim but when i send my breakdown of charges in should i "hide" the intrest cell in excel or let them see it ?


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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When you print it off you can highlight the parts you want to print off leaving the interest off but still saving it in the spreadsheet


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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sorry i didnt explain my self !

 

initally i dont so the halifax the intrest column ! i only show them the actual charges

 

thanks for the help mechs


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 depends wether your talking the 8% interest or the interest that they have deducted from your account when they took out the charges.the 8%,the final page isn't used till you take them to court but you can show the interest that has been debited from your account for being in the red.Hope this makes sence.regards Nigel


HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Thanks nigel,

 

Also should i send it first class, or recorded? do you think this matters?


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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Yes send it recorded then they have no excuse that they didn't receive it.I sent mine registered leave them no chance of escape.Marquez thinks I'm lying about my claim see my thread we won.don't know why.does the info I have given give you hope?Regards Nigel


HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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so many address found on here to send to halifax but could people please tell me where to send my prelim letter,

 

looking at it it seems as if leeds is the best place as the trinity road in haliafx has different postcodes to parts of the building just want to make sure it gets sent to the best place!

thanks


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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Your branch. ;-)

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i personally used the trinity house one - doesnt matter which postcode you use, trust me it will get to whomever needs to see it!

Sharon

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Threads now merged to make it easier to follow your progress.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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dont know how to get back to my original thread so if any one can help with that first would be great !

 

Got offer 0f £420 for a 1600 claim, seems as if halifax a offering a bit more now ?

 

LBA sent and getting ready for money claim ! what to write please could people please post what they wrote ? plus ive noticed you have to send documents in? what are they and is that only after halifax say they are submiting a defence ?

 

thanks


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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Hey Jonny,

 

The other Jonni posted this thread that explains moneyclaim yesterday. Its in templates for future reference.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

Good Luck!

 

 

Missy xx


Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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Thanks morining star !!!!

 

congrats on your victory ! is that what you put on your claim ?


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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Sent my LBA on Monday 2nd.

recieved a letter stating that they would not pay 6 years of bank charges and if unhappy go to the ombusman.

Spoke with halifax this morning and said as far as they are concerned matter is over . see you later!

 

My question is do i have to wait the other 7 days until going to money claim or because matter is over by them can i go to money claim now ?

 

thanks for your help.

:)


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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I have usually waited for the full 14 days.8)


hsbc

Claim served on 13-08-2006

 

full refund .19-08-2006,

23-08-06 cheque arrived £580-deal.:D

 

capital one .

Filed claim against 16-08-2006 for £340.

Capital one 02-09-06 offer £383 refund to account.deal:D

 

Abbey Data Protection Act 4-07-06

 

issued court claim for £189 16-10-06

waitng for allocation nov21-11-06:cool:

 

 

Pleae make a donation to site, when you win-- I DID

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3 threads merged - please stick to one for this claim.


..

.

 

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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sorry!


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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couple of queries on money claim form if any one can help!

 

i dont know the exact date / year i opened my account, i know it was either 1996,97 or 98, does tyhis matter ?

in the amount claimed box that is the charges + the 8% interest ?

 

and the daily interest you put in is that just the charges x 0.00022 ?

i dont add the 8% to charges there !


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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