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jontah 2006 v hALIFAX


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hello,

i wrote the halifax bank asking for repayment of charges over the past 6 years, as advised on here.

they wrote me offering £139 back. i refused, they have now offered £416, representing 6 month worth of charges.

what should i do next pls? also, i do not have nor have i requested bank statements. i claimed for £3884, that is £2500 + £1384 interest. the amount i claimed for, is a serious under-estimate, as i do not have the statements.

 

 

pls help.

thank you,

thanks

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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wrote the halifax bank asking for repayment of charges over the past 6 years, as advised

on here.

they wrote me offering £139 back. i refused, they have now offered £416, representing 6

month worth of charges.

what should i do next pls? also, i do not have nor have i requested bank statements. i

claimed for £3884, that is £2500 + £1384 interest. the amount i claimed for, is a serious

under-estimate, as i do not have the statements.

 

 

pls help.tx

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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Hi again,

I am thinking that you have jumped in a bit quick, before you were sure what you were doing. You need to get your statements first and work out exactly how much they have charged you. You need to send a schedule of charges with your letters requesting repayment. You only claim interest when you file a court claim. How did you come up with £2500? I think you will need advice from a MOD on this.

Good luck

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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  • 2 weeks later...

hi, i got my statements today. the charges are £2951.

how much is the interest please, on that amount?

i am terrible with figures(hence my current state!) lol, even with the spread sheet. my printer have now stopped working, as i was trying to print them.

 

help pls? ta

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Guest bluecloud

Okay sukrefine, time to slow down. You will still get your money in time for Christmas.

 

You have calculated the total amount of charges applied. Cool.

 

Use the spreadsheet created by Vampiress and available here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html#post750

 

The Simple one is usually good enough.

 

Transfer the highlighted charges to the spreadsheet - don't forget to detail the charge type (normally "Charges as Notified" when dealing with the Halifax) and to include the date.

 

The spreadsheet will total the charges for you, reducing the chances of an error.

 

The spreadsheet will also calculate interest at 8% but you do not need that yet.

 

Then starts the process proper.

 

Go to the following page and use the template for a "Preliminary Letter".

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html#post3489

 

Unless you are particularly confident with you maths/computer skills then you may want to miss out the bit about interest. Note that the interest in this letter is NOT the interest caluculated in the spreadsheet.

 

You also need to include a copy of the "Schedule of Charges". This is a copy of the spreadsheet WITHOUT the last two columns on the right.

 

The bank may or may not reply - it really does vary.

 

After 14 days, you can send the LBA or Letter Before Action. Think of this as the red bill you get get from the Electricity Company. You can find a template here.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html#post272

 

When you send this letter you will need another copy of the Schedule of Charges, again with the last two columns removed.

 

n.b. both letters have red sections about defaults - include this if you believe that the bank has put a bad note on your credit record.

 

You will probably get a reply to the LBA offering you a ridiculously low amount compared to your charges. DO NOT REJECT THE OFFER! Instead, accept the offer but only as part settlement of the full claim. The bank will rescind the offer and may even make a second offer.

 

After another 14 days you can issue the claim at court either through MCOL or at your local friendly County Court.

 

In the meantime read, read, read. All the FAQs and the forums.

 

Before I go, one last thing. YOU ARE NOT ALONE IN THIS! There are 10s of thousands of members in the Consumer Action Group and there is always plenty of help if you get stuck.

 

 

.

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  • 2 weeks later...

hi, i made a claim in the 'smalls claims court' regarding halifax.

i got a letter from them today that 'they intend to defend'. however, they are prepared 'without admission of liability, halifax is willing to reimburse £2024'.

i am claiming £5000.

what do i do now please?

advice pretty please.

much obliged.

 

 

ta

 

lol

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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you simply send them this letter, and adjust it a bit taking out the bit about they have x amount of days until you file a court claim.... just re iterate the fact that you are accepting it as partial settlement but wil pursue the rest in court.... http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

:)

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It seems that you have jumped in too fast with all this. You were given advice above and you have not followed it. All the information you needed to help you was on here.

 

If you had your charges you should have sent them with a prelim letter giving them 14 days to respond.

 

Then a Letter before action giving them a further 14 days (with a copy of the charges).

 

Meanwhile you may have received an offer.

 

I have no idea where you stand now. If you go to court and the judge asks you what documents you have, how much time you gave them etc you will have nothing.

 

 

I think you can either accept the offer as it stands or hold out and see if they backdown before court. You could be lucky but you are certainly not prepared if they take you the whole way. Bluecloud could not have made it clearer.

 

Also how did a claim of £2951 become £5000 ?

 

My claim is for about £3700 plus interest at 8% is £606 total £4306.

 

You could do yourself a lot of harm if the amount you are claiming is NOT correct.

 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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Shaz - if you're reading.

Can Blueclouds response (with a paragraph about DPA) go into the FAQ or something?

It is probably the most definitive and succinct version of the actions we need to take that I've read!

A D

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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  • 1 month later...

in response to my not posting, i am afraid, i will no longer be posting(this is my last post incidentally).

 

i made a mistake. i don't believe that i should be patronised + spoken to as if one were an imbecile on a public forum.

i asked for advice; not for some school ma'am jumping down my throat.

a thoroughly unpleasant experience.

thank you.

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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  • 7 months later...

MMmm!

 

Guess it was a tad severe.

 

However, we are all in this together in this wonderful CAG.

 

From your PM to me today - a lot seems to have happened since November.

 

I've forwarded your PM to someone who may be able to send it in the right direction.

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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You need to update your thread so we know where you are with your claim and you can get the help you need.

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STEP BY STEP GUIDE...Read here

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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thanks all of you.

my claim was settled last year october or thereabouts.

 

i am happy.

matter of fact, i am a little wiser with the halifax. i have actually moved banks + i am on my second claim with halifax.

 

however, i am now doing my sons' visa, with lloydstsb. he is a final year student + i thought i would do this for him.

 

i have already been to court. the county court did not forward the bundle of documents.

 

i now have them + have forwarded copies to both lloydstsb + the court it was adjourned. i have NOT as yet claimed the interest. i am due in again in court on 20/7/7.

now if someone can advice me please on 2 matters. as i now in possession of ALL the documents, we need to revised upwards. i believe form N244 is the form to use. i have completed it; (1)do i send a copy each to both the courtlloydstsb or wait until the day in court + ask the judge for permission to revise?

i had worked out all the charges long-hand! i now want to use the spread sheets. (2)please can anyone who is familiar with lloydstsb visa statements, know if i should also include "transaction and charges", as part of the claim please?

thanks for your help.

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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