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    • We’ve all ignored and I know people who’ve been back for years longer and always ignored and nothing has ever come of it 
    • I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5. After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs?  I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore? 
    • Afternoon All. I have today received a court order requiring me to send them more details before 16:00 on 8 July. A copy of the order is attached, but the relevant paras seem to be: 2 Send all of the documents that are relevant to your case to the court at the above address, also send them to the other side. Both parties must do this. These documents should be placed in date order and should be numbered in the bottom right hand corner. You should include the following documents if available: •       A copy of the contract/agreement •       Relevant correspondence, including text messages and emails  Photographs Before 4pm 08 July 2024 3 Send to the court and send to the other party your own witness statement and also witness statements from anyone who can give relevant evidence about your case. Both parties must do this. A witness statement must •       have the court case number at the top •       start with the witness’ name and address •       it must contain numbered paragraphs and should be typed and double spaced. If not typed, it must be written clearly in block capitals or printed. •       finish with the words “I believe the facts set out above to be true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth”, the date of the statement and the person’s signature. The original statement must be sent to the court and copies must be sent to the other side. Before 4pm 08 July 2024 I'm a little confused by para 7 in the order : Because this order has been made by a Legal Adviser without a hearing, you have the right to request that the decision of the Legal Adviser be reconsidered by a District Judge. Any request must be sent to the court to arrive by 4PM 12 June 2024. The request may be made in your online account, by email or on paper. The request must include an explanation of why the reconsideration is sought. Is this normal? Do I have to do anything with this by 12 June? As ever, many thanks    527MC352-claim-direction-order (anonymised).pdf
    • might be your close I’ll check or maybe they stopped giving notice if an adovcate is going to attend because they dont want a reapeat of last time
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Dowie Vs Halifax


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Well the Halifax recived my preliminary letter on the 27th March, I am claiming back £476.

 

I haven't heard anything yet, but fingers crossed I will do in the next few days.

 

I've started a new thread because my old one disapeared... so this is where I'll keep everything updated with my case.

 

Good luck, everyone!

 

Kc.

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Good luck, don't forget to keep us updated.

 

Your old thread may have gone missing when the site changed name and started using this new layout.. maybe??

..

.

 

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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Good luck, don't forget to keep us updated.

 

Your old thread may have gone missing when the site changed name and started using this new layout.. maybe??

 

I think thats exactly whats happen. Thanks for your good luck wishes. :)

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Update:

 

Well I still havent heard from the Halifax... no standard letter, no nothing. I sent my letter by special delivery, so I know they have received it. Monday is their deadline day, (It's now Friday) so I dont think I'll be hearing anything.

 

I'm going to send my second letter first thing Monday morning. and see what happens then.

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Received a standard letter this morning (Saturday), which is good as I now know they have received my preliminary letter.

 

Dear Miss XXXXX

 

Thank you for your recent letter. I was sorry to learn that you are unhappy with the charges applied to your account.

 

We are keen to deal with your concerns and are currently investigating your complaint. You will receive our full response shortly.

 

I enclose our complaints leaflet, which explains how we will deal with your complaint. If you need to speak to us about your complaint in the meantime, please call us on 0141 204 6451.

 

This is from Tracy Hopkinson, customer services... and a Leeds address. Am I right in thinking I should send my 'Letter before action' to this new address?

 

Thanks for your help, people.

 

Also, is it possible for the name of this thread to be changed to CunnyFunt Vs Halifax? Cheers.

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I'm not sure what address you should use, or have been using...!

 

I'd be inclined (if it was me) to send it to Trinity Road, and to my local branch. HOWEVER, as she says that it is being dealt with, it'd be an idea to AT LEAST cc the letter to her address.

 

Be sure to stick to YOUR deadlines. You call the shots, not Halifax!

 

Send the Letter Before Action when your deadline expires.

 

Good luck, keep us posted.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Hey Monkey,

 

Thanks very much for changing the title!

 

I sent my first letter to the Trinity Road address... so maybe, like you say, sending one to each address is a good idea.

 

Thanks for your help. =o)

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  • 2 weeks later...

No probs, although I notice you've changed your bloody username!

 

I'll rename the thread - again! *sigh* lol, joking, don't worry!

  • Confused 1

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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No probs, although I notice you've changed your bloody username!

 

I'll rename the thread - again! *sigh* lol, joking, don't worry!

 

LOL...Bankfodder asked me to change it, so being a good forum member, I obliged.

 

Ok, so today I received a goodwill gesture of £56... I'm going to write them back and decline their offer... or should I just file my claim on the 15th day? Hhmm.

 

 

EDIT: There is a number on the letter and it says 'If you would like to discuss your concerns, please contact me'. I really want to call them, but I'm not very good in these situations... can anyone please give me some advice on what I should say? Cheers for any input.

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So, I decided to call the Halifax and decline their offer. The woman I spoke to said that she feels the £56 was a fair offer (?!?!) and she said I wont be getting another offer. She's taken my number down anyway, so I wonder now if I'll get another call. I told her that I will be filing a claim on the 26th April anyway.

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There's somethin I'm a little confused about, and was wondering if someone could please advise. I'm not certain if I put the interest charges onto the excel spreadsheet.

 

Could someone please confirm? Cheers.

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Sorry for being lazy, I haven't read the whole thread yet.....

 

If you are ready to claim through court, then that is the time to prepare the interest on each charge (the 8% version).

 

Is that what you are referring to?

 

Or do you want to know how to input them?

..

.

 

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 for being lazy, I haven't read the whole thread yet.....

 

If you are ready to claim through court, then that is the time to prepare the interest on each charge (the 8% version).

 

Is that what you are referring to?

 

Or do you want to know how to input them?

 

 

Thanks just for replying! lol

 

I understand that when I submit my claim with Moneyclaim I can add 8% interest. When I add my charges to the spreadsheet... do I include the intested that Ive incurred on these charges?

 

Again, thanks for your reply!

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It is my understanding that if you put the 8% on everything (excluding costs) then you are effectively asking for interest on interest. Because of this, you put the daily interest from date of claim until settlement ONLY on the charges total.

 

Perhaps a point that could be clarified in the FAQ section.

..

.

 

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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OK, I think you are getting more and more confused.

 

At court stage, for example purposes only, your charges amount to £2000

 

When you input the charges into the spreadsheet (or online calculator) the 8% total interest is £600

 

Your claim is for £2600 (plus court costs)

 

The daily rate of interest from the date you issue it, until they pay up, will be 8% on the £2000 only, otherwise you are adding interest to interest.

 

The calculation for this is 0.00022 X the amount of your claim

 

Thus - 0.00022 X 2000 which would equal £0.44p PER DAY

..

.

 

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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Flippin' heck, Jonni, you've been doin' a lot of reading haven't you?

 

Dowie - If it were me, I wouldn't even give them the time of day on the phone. I would much sooner write to them - that way I can think about what I want to say.

 

I rejected my 1st offer of £380 in writing and received a higher offer a few days later (ha ha). Also, if you keep everything in writing, and it goes to court - you have written proof.

 

Best of luck mate, and may the best man win! (Except I'm a lady!)

 

x

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OK, I think you are getting more and more confused.

 

At court stage, for example purposes only, your charges amount to £2000

 

When you input the charges into the spreadsheet (or online calculator) the 8% total interest is £600

 

Your claim is for £2600 (plus court costs)

 

The daily rate of interest from the date you issue it, until they pay up, will be 8% on the £2000 only, otherwise you are adding interest to interest.

 

The calculation for this is 0.00022 X the amount of your claim

 

Thus - 0.00022 X 2000 which would equal £0.44p PER DAY

 

No, thats not what I mean, at all.

 

I completely understand the 8% interest thing.

 

What I'm talking about is the interest on my bank statements for charges I've incurred.

 

Thanks for your help.

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Flippin' heck, Jonni, you've been doin' a lot of reading haven't you?

 

Dowie - If it were me, I wouldn't even give them the time of day on the phone. I would much sooner write to them - that way I can think about what I want to say.

 

I rejected my 1st offer of £380 in writing and received a higher offer a few days later (ha ha). Also, if you keep everything in writing, and it goes to court - you have written proof.

 

Best of luck mate, and may the best man win! (Except I'm a lady!)

 

x

 

 

Hey C&S!

 

Glad you found me. You're probably right with the not calling them thing, but hey-ho too late now... I'm just wondering now if I'll hear from them again before Wednesday.

 

And good luck to you too, my friend. :)

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..What I'm talking about is the interest on my bank statements for charges I've incurred....

 

In that case........

 

You can claim for the interest that the bank applied to your account solely due to the charges, i.e. NOT for general interest which occured simply because you had gone overdrawn.

 

This, in my book anyway, is more complicated to work out because you should ideally know what APR they charged you for general overdraft rates and for 'over limit' rates - unless, of course, you are one of the 'lucky' ones whose statements break this figure down for you.

 

It can also be argued that by not claiming this (possibly much smaller) figure, that you are allowing the bank an amount you consider IS proportionate to the costs it incurred dealing with your failed Direct Debit / Cheque etc etc.

If you had to face the enemy in court, you would at least have an arguement to show you have allowed for actual cost. Remember though, you do not have to give them it.....

 

Another train of thought on this subject is as follows - If the interest is not itemised, then claim for ‘Interest Charges,’ and the onus will be on the bank to demonstrate the proportion they are entitled to.

 

The choice is yours........

..

.

 

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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In that case........

 

You can claim for the interest that the bank applied to your account solely due to the charges, i.e. NOT for general interest which occured simply because you had gone overdrawn.

 

This, in my book anyway, is more complicated to work out because you should ideally know what APR they charged you for general overdraft rates and for 'over limit' rates - unless, of course, you are one of the 'lucky' ones whose statements break this figure down for you.

 

It can also be argued that by not claiming this (possibly much smaller) figure, that you are allowing the bank an amount you consider IS proportionate to the costs it incurred dealing with your failed Direct Debit / Cheque etc etc.

If you had to face the enemy in court, you would at least have an arguement to show you have allowed for actual cost. Remember though, you do not have to give them it.....

 

Another train of thought on this subject is as follows - If the interest is not itemised, then claim for ‘Interest Charges,’ and the onus will be on the bank to demonstrate the proportion they are entitled to.

 

The choice is yours........

 

 

Hey again!

 

Well I have the interest charged, for unpaid DDs on my statements, so I know how much they owe me. Thanks so much for explaining this.

 

Well I'll be filing with Moneyclaim on Wednesday 26th, so I'm going to read up on that again now.

 

This is where it either gets scary, or exciting... I haven't worked out which one yet though :)

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Deleted post so I don't hijack anyone else's :)

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Guest Lueeze

Hi there...

 

You need to start your own thread (otherwise youll be hijacking some elses!) and ask those questions once you have read through all the FAQ's

 

Good Luck

 

Lou x

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Dowie, have you filed your claim yet?

 

Yep, just done it now!

 

Have you heard anything yet, C&S?

 

Do you know which mod I should send my claim details to?

 

Thanks!

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