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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Halifax (2) closed credit cards PPI reclaim.


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WELL ,WELL, WELL here we go again,

 

Could someone please just advise on on the following. my statements from my old credit cards have a thing on them called "repayment Cover" do I take this to be a form of PPI.

 

I have also had income protection on my mortgage and a loan but I have had to use this feature......can I still claim the PPI back even though I have had to use the scheme or is that just being a little bit cheeky.

 

My last statement on these cards was june and july of 2006, can I claim and can I go back to when I first got the card in 2002...?

 

Hi again to old friends on the site..

 

Regards Nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi and welcome back

 

The answers to all questions is yes (if the PPI was mis-sold)

 

As regards the mortgage where the policy paid out, all you do is deduct what you received from the amount you are claiming back. If the amount received under a claim on the policy exceeds any mis-selling award then it is not worth doing but the credit card you should deffo go for

 

Have you got all the statements for both accounts and the agreement for the mortgage?

 

ims

 

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Yes I have them from when I claimed the charges back from them in 2006. I'm just a bit rusty on the site after being away for some time.............mortgage paid out way more than the cost of the PPI ...I think but i will have to calculate.....but I'm going to do my 2 old credit cards..... I had a loan with the Halifax as well which paid these off but they have taken the acct number off the online banking maybe i should check that out too.

 

regards nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Can you just tell me do i use spreed sheet Cis (2) for the credit cards and just fill in when the charges was applied, does it work differently than the charges I thought the 8% was only added if they were taken to court.........sorry not found the FAQs about this PPI yet.

 

So basically do a covering letter and fill in spread sheet and do the spread sheets work out the interest like the charges did and which interest do I use to claim back......getting into it again..

 

thanks ims21

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi

 

This is the sheet to use for the credit cards. It reconstructs the account to provide a figure for a regulatory based award which is basically the return of the premiums paid plus any contractual interest paid on them. In addition where the removal of the ppi causes the account to show a credit balance for any period then 8% simple interest is awarded on that balance for that period.

 

When completed you will end up with the award calculation at the top

 

FosRunningPPI v101.xls

 

You then complete a fos questionnaire for each account and attach a copy of the spreadsheet and send them to the lender just with a brief letter saying "Here's my claim, give me my money back"

 

They will have 8 weeks to investigate and give you a final decision before you can pass it to fos to deal with.

 

If you intend to go the court route then you can use this spreadsheet for compound interest in restitution (rather like a charges reclaim) but the onus will be on you to prove mis-selling and will involve a lot of work on your part to out the case together but with no guarantee of a win.

 

CISheet v101.xls

 

Although there are some, there are not many PPI claims that go the court route.

 

ims

 

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Well believe it or not I didn't even realise that there was this charge on my account until i 've just checked out of curiousity.....I have one charge going towards the last staement which says "Halifax card protection ESHER" all the others say the repayment cover are they the same thing do you think...?

 

thanks ims21.

 

regards nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi

 

Card protection may be something different i.e. to cover you in the event of lost or stolen cards.

 

Repayment cover is PPI.

 

If it were me I'd include the Card Protection payment in your claim.

 

ims

 

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thanks ims21, I have included it but towards the end they stopped charging me for the repayment cover don't know why.

 

Going for 2nd card now..........regards ndr1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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just as a matter of interest . Do I use the old " Data protection Act 1998 Subject Access Request " form to get the rest of the statements that I require or would they just look over the one's I don't have to complete payment.....thanks

 

regards nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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has someone moved my stuff on Hsbc its vanished..../???????

 

 

ndr1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Share on other sites

hi ims21 any ideas how to reduce the spread sheet so that it fits on to a page or just two pages . that credit card fosppi sheet that you said use is rather large.

 

regards nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

Link to post
Share on other sites

thanks ims.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

Link to post
Share on other sites

Hi everyone iI have used the fosrunning v 101 spread sheet there doesn't seem to be much interest added to the total PPi being reclaimed is this calculated differently from a PPI that would be on a loanmy sons added up nicely from each day that a payment was taken out straight forward why is there little interest on my credit card PPI.its still payed each month albeit different amounts each month.

 

just checking everythings right before its sent in

 

regards

 

nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

Link to post
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The spreadsheet will be right if you have filled it on correctly.

 

Credit card interest is charged differently to loan interest.

 

With a card you get the premiums back plus any contractual interest charged as a result of those premiums. If at any time the removal of the PPI causes the account to go into a credit balance for any period then you also get 8% simple interest on the credit balance for that period.

 

ims

 

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so if my card had a negative balance accept for when i payed it off then there will be little interest on it anyway.

 

I filled it in and the figures match the cards statements so .......just wanted to make sure they don't come back at me with technicalities

 

nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

Link to post
Share on other sites

well there's a list of the charges and the date it was taken out on there so that should be fine. should I just do a basic letter or do i need to do the longer letter that's in the CAG templates

 

regards

nigel 1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

Link to post
Share on other sites

  • 2 weeks later...

Hi again, the best address for halifax card would that be their Dunfermline address or best to go through head office in halifax i think trinity house trinity road.?

 

regards

 

niogel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

Link to post
Share on other sites

Many thanks

 

Nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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