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Phantom V Intelligent Finance **WON**


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Did the Money Claim Online thing on Sun (10th), have recieved notification today (13th) that Intelligent fininace have filed an acknowledgement of service and say they intend to defend the claim in full.

 

They now have 28 days from the date of service to file a defence.

 

Looking forward to this.

 

Has anyone won against this lot yet?

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Can A Mod Please Shift It To The Intelligent Finance Forum?

 

Cheers.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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  • 3 weeks later...

Got letter in the post this morning, the relevent part reads;

 

"......on a purely commercial basis, it will cost the bank money to defend your claim in terms of the legal costs that will be incurred. It is unlikely that the Halifax will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims tract, in which costs are not generally awarded

 

For this reason, but without admission of liability, the Halifax is willing to reimburse £318.00 in respect of the bank charges incurred your account. The Halifax will also reimburse the £50 in respect of the Court fee."

 

Dead pleased about getting the charges back but I would have quite liked to have beaten them in Court to make the point about their charges.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Congratulations Phantom!

 

Don't forget to fill out the survey. I'll arrange for a mod to change your title and move you.

 

Enjoy your payout

 

All the best

 

Zoot

 

Cheers Zoot. Survey already filled in.

 

Have to set about getting a few more crossed off my list now.:D

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Belated congrats to you Phantom.

 

I'm about to start out on the path of re-claiming my charges from I.F.

 

Just wondered if they closed your account after paying out?

 

Stuarto

:)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Stuaryo, Carriel1975,

 

They will tell you that they intend to defend but will let it run until shortly before the date to enter a defence falls due to tell they they have "decided" not to because of the expense. Of course it's pretty obvious that they never had any intention to defend from the out-set. The second ackowledgement of service (for charges that would never have been applied if they had returned the first ones promptly) arrived yesterday and I have little doubt the story will be much the same again. Personally, I think it's a total abuse of the Court system - and possibly even illegal if they are indicating that will defend every case when in fact never do and ever even have an intention to do so. It's also a waste of their share holders money as they are forking out for the Court fees in every case as well.

 

No they didn't close the account and it's still fully in use.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Hi Phantom.

 

I'm still getting myself prepared for battle with I.F. but have another query: Do I send my S.A.R. to the Intelligent Finance office OR Halifax?

 

Stuarto

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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I would send it to IF. I didn't use one as all my charges were detailed on my web statements as they were all incurred this year.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Hi there

 

Is the IF address you are talking about the 1 Baird Road?

Just about to start my battle with them.

Cheers

 

Yes but that's in Scotland so you need to send the Court papers to;

 

HBOS

Legal Services

Retail Division

Trinity Road

Halifax

HX1 2RG

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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