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Never mind no news is good news- at least the interest is clocking up nicely!

 

Sean I sent the Halifax a partial acceptance letter stating I would be going after the 2 years over the 6 years(hope that makes sense!) which they say I'm not entitled to & reminded them of the increase in interest so I'm waiting till Friday 'cos that's when they have to defend by...........yawn yawn

 

 

Keep smiling :grin: any day now:grin: :grin: :grin:

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hey,

 

well Ive checked the account and they have paid in the 6 years worth of money!!!!! cheeky buggers, they only have till the 15th to defend or Im applying for default. I never replied to there offer letter as it said I have 7 days to reply if i accept there offer, well that has long gone!!

 

Do you think I should send a partial payment acceptance letter this late on??? or should I advise MCOL what they have done???

 

Thanks guys:grin: :grin: :grin:

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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OK Just called MCOL and they have put a note on the system to say what halifax have done.....

 

She mentioned my date for reqeusting default is the 21st Oct, so what happens after that, do the court contact Halifax to say pay up or what?

 

Thanks guys

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hi Sean

 

brilliant news well done :grin: :grin: I wouldn't bother with a partial acceptance letter as I sent one on Monday & am tracking it through the post office web site & they still can't confirm delivery! the Halifax have to defend by Monday on the pre 6 years charges.......... I'll let you know:-)

I'm sure you'll have a great weekend though

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Thanks, I wonder how long after you apply for deault judgement they will pay out?, Ill be watching and waiting for your update..:grin:

 

Have a good weekend

 

Sean

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Just revieved a letter from the halifax saying that as the 7 days has elapsed for me to confirm im willing to settle they have gone and credited the original amount offered into my account!!!!

 

Cheeky buggers...:rolleyes:

 

Moses, Did you apply for default judgement??, have you heard anything else yet??

 

 

Sean

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hi Sean brilliant news you lucky jotter!

 

I'm panicing a bit now as I have tried to phone the MCOL helpdesk on 08456015935 from Spain & can't get through & my hubby has tried from England & is getting the dead tone as well & I wanted to let them know that the Halifax had paid some of the money into the account but not all.

I can file for default today(I've tried & it will let me) but am unsure of what to do in case I jeopardize payment cos the amount has changed.

 

I did write to Halifax as to accepting partial payment but the letter can,t be comfirmed as delivered so I guess they didn't get it but still haven't received a letter like yours & they haven't paid anything into the account.

 

The figure for years 7 & 8 (£1615) came to more than the 6 years so I guess they don't want to part with it without a fight!

 

Happy spending:) will let you know how things progress:o

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Sorry moses, the letter only states they have payed in the original offer, not the full amount claimed, so I still in the same boat just cant file by default until the 20th Nov.........so have you reqeusted by default yet???

 

Good luck,

 

Sean

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Oh! I thought for one moment the Halifax had used a bit of nous and just paid up!! should have known better.

 

I really don't know what to do as I don't know how the default thingy works.I don't want the courts to demand the Halifax pay me the full amount & then for them to say we've already paid some then the judge gets shirtie with me for not informing them & I lose out!! argh.................... !

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hi Sean,

 

just managed to speak to MCOL & they said just to go into default and it will ask you the amount you're claiming so you can amend the figure to reduce the part payment & include the interest upto date so here goes......

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hmmm so does that mean now they have paid in that part payment they cannot withdraw it????

 

Thanks

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hey Moses,

 

Well I get to apply for default tommoz, did you apply for yours and hows it progressing????

 

 

Talk to ya soon

 

Sean:D :D :D

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hiya Sean how are you -

on tenderhooks I guess?!

 

Well yes I did apply for default on Wed(15th) and my claim now says a warrant has been requested from my court on Fri(17th):o :o :o

 

Let you know the outcome ( don't know if they can still file a defence or not) just sat on my court bundle with fingers crossed!

 

shouldn't be long now for either of us:)

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Ohhhh excellent, a warrant!!! I wonder how long they get to respond to that....well I can put mine in tommorrow, cant wait...:)

 

Well have a good day and Ill speak to you soon.

 

Sean

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Ok Ive requested default judgement this morning for the charges applied after 6 years!!!...lets see what happens next....

 

 

Has anyone else applied for default judgement?? if so how long did it take before things started happening??

 

Thanks guys:grin: :grin: :grin:

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hmmm not sure if I did the right thing but Ive just gone onto MCOL and was given the option to issue a warrant so I did..:)....payed the money and its now issued...:)

 

Sean:D :D :D

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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I did the same a couple of days ago Sean- just wondering what happens next

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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My Warrant was issued on the 23rd Nov, does anyone know how long they have to pay, or if they can still file a defence now????

 

Thanks

 

Sean:D :D :D

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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anyone???, has anyone else issued a warrant??

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Share on other sites

hi Sean why is it that after you take a certain action (no matter how many threads you read) you find another thread that gives you more info or exactley the answer you needed before you took the action???!!!

You may want (or not) to read through cansters thread post I beleive DLA Piper are now acting as Halifax,s solicitors- they sound really scarry as I have been reading a lot of Abbey threads for when we claim my hubby's charges back & they used to be Abbeys solicitors!

Anyway I've heard nothing yet but I think it depends on when the warrant goes out to the bank as to when you will know if they will file a defence or pay up but not sure:eek:

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hi Sean it's gone very quiet either you're waiting patiently or you've got the dosh & are sunning yourself in distant clims!

 

Well I phoned the court in Halifax today & gave them the warrant number.The cheery chap on the phone said that they informed the Halifax on the 20th about the warrant & have given them the required 8 days which was up yesterday so they will be sending the baliff round by the end of the week!!!! maybe yours will be with it as I'm sure they must have a huge batch of them anyway will let you know what happens;)

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hey there,

 

No nothing yet, mine was issued on the 23rd, I called the court and they said it can take a couple of weeks, not sure what he meant takes a couple of weeks but Im still waiting...:)

 

Hope you r well

 

Sean:grin: :grin: :grin:

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hey there Moses ,

 

You heard anything else yet??, I think ill call the court again tommoz see if there is any more news....

 

Sean

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Share on other sites

Hi Sean,

sorry I haven't got back to you before now but it's a bit silly here 2 bank holidays in 1 week & the schools off so everyone is in fiesta mood!

Well back on track now & I'm afraid to say that the cheery chappie I spoke to last week was either having a chuckle or telling downright porkies as I haven't had a sniff from Halifax - everything has gone very quite

How 'bout you?

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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