Purple v Halifax

[purplerain]

Filled out the N1 today and off to court tomorrow. Feeling a little nervous now. Will post tomorrow when it's done.

Wish me luck

Purple X

[MARTIN3030]

You will be fine and wont need luck

Just a little patience....youre almost there......well done !

[purplerain]

Thanks for the support MARTIN3030

Purple X

[purplerain]

Filed N1 at Nottingham County Court yesterday.

Purple X

[aardvark the lecturer]

Good luck purple, fingers crossed it's in time for Xmas eh?

 

 

I'm just getting my LBA ready to go (still claiming contractual Int).

[purplerain]

Yep still going for contractual interest.

Purple X:)

[aardvark the lecturer]

Get in there...me to.

[OCTAF1SH]

Hi there, anyone able to advise??

Have started to attempt to reclaim £3,000 from the Halifax. Pretty much on the 14th day after my prelim letter, I received an offer of just shy of half the amount. Obviously I daon't want to accept this, but am wondering how to reply. Should I now send the LBA, with additions to encorporate the 'response to settlement offer', or do thyem one at a time, or just send the LBA?? I don't want to extend their timeframe any longer than necessary!

 

Any advice much apperciated.

Wil.

[OCTAF1SH]

Sorry to post again so soon!

What is the contractual interest people are talking about? I might be being blind and not reading the right posts! Is it the interest on the charges, which the bank has charged you (when over your limit)? or something else entirely? Due to the amounts , I really didn't bother requesting the interest, as i understood I could claim 8% at the moneyclaim stage, which would far outstrip the other interest. Have I got this wrong? or am i doing myself out of my money?

 

cheers again.

[aardvark the lecturer]

Hi Wil, i'd just amend the LBA opening paragraph to include the rejection (or partial acceptance) bits.

Do you have your own thread yet Wil? that's the best way to get help as more people will see your questions that way. When you try and cover your own case in other peoples threads, no-one can read back on the status of your claim to know how best to advise you, your questions also tend to get lost a bit too.

 

As regards contractual interest, it is a seperate thing that replaces the 8% that you can claim if you go to court. It is a much more in depth claim and is less proven than the standard procedure but if you wish to consider it you must have stated you were claiming it from the start really. Try searching on 'contractual' and also read Mindzai and Lucid's thread (click on the link).

 

Good luck

[OCTAF1SH]

Thanks aardvark...

 

Cheers for the info, and forum advice. Have now started own thread at

http://www.consumeractiongroup.co.uk/forum/halifax-bank/42501-wil-world-halifax-least.html

 

Thanks again, and good luck, one and all, in your quest!!

peas.

wil.

[purplerain]

Hello all, Just a quick note received papers back from court today 3/11/06 will pm a mod with details later.

Just a quick question does this mean they are deemed as served?

Need to know so I can start the clock.

Purple X:)

[Kizzyella]

bump

[Guest bluecloud]

The date that the claim was deemed served should be on the papers.

 

All the dates on mine were listed just below the box with my name and address.

 

 

.

[aardvark the lecturer]

They usually allow 4 days from the date the papers were issued to allow for post. The date the claim would be deemed as 'served' should definately be on your claim papers though.

 

Halifax have not historically been waiting for deadlines before acknowledging etc though.

 

Good Luck!

[purplerain]

Got my Notice of issue back on Monday 6/11/06 it was deemed served on the 3/11/06 that gives them till the 17/11/06 to reply.

 

Here we go.

 

Purple X:)

[crocodiles]

Best of luck PR.

Here's hoping your xmas shopping funds get a boost real soon.

[aardvark the lecturer]

Here's hoping for a smooth one....

 

Good luck.

[purplerain]

Thanks Crocodiles and aardvark Will keep you all posted

Purple X:)

[purplerain]

Well it's the 17th tomorrow and I have not heard a thing from the Halifax or the court. Does anyone know if the Halifax leave it this late to acknowledge a claim? Lets see if there is anything in the post tomorrow.

Purple X:)

[BenKing]

My cut off date was the 16th and I received my letter the day before.

 

If you don't get anything in the post you could do what I did: phone and nonchalantly ask them if they can confirm the date of the last letter sent to you.

 

The court will tell you they have until 4pm to reply, so alerting the Halifax they haven't could trigger a last second acknowledgment possibly, but asking an innocent question will let you know if "the letter" has just been sent or whether you'll need to return the court form with box A ticked Monday morning.

[aardvark the lecturer]

..........Biting of nails..................

 

...........Grinding of teeth.................

 

Any news Purple?

 

Have you filed for judgement?

 

Did they enter a last second acknowledgement?

 

 

 

..............all these answers and more, in the next exciting episode of......

 

Purplerain sticks it up the Halifax.............

[crocodiles]

Hi Purple,

 

I haven't had anything from Halifax since my clain was submitted on 11th but on 13th my mcol was started. I got a letter from mcol on 16th saying they had sent out claim to them.

On 17th my mcol account statys was 'aknowleged'.

Does this mean that Halifax have actually aknowleged?

There may be a postal delay as I'm using a proxy address in England.

Am I getting a little ahead of myself?

It's all getting a bit 'nitty gritty', isn't it?

 

Lol

[purplerain]

Hi Crocodiles, if they have acknowledged the claim, that now gives them 28 days from the date of service to file a defence, so still more waiting I'm afraid.

Purple X

[purplerain]

Hi aardvark,

Not heard a thing yet just waiting again this morning for the postman (eek) If they entered a last second acknowledgement it will take a couple of days for the court to let me know via post.

.......... Biting of nails down to my elbow now:D ..................

Purple X:)