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Well, have written my letter asking for my transactions and charges. Will be sending it tomorrow, or should I take it to the bank on monday? The thought of court scares me plus my husband knows nothing of this. He honestly thinks we have never had any charges, fool.Will let you all know how it goes.

*Hayley*;)

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Hiya

 

Dont be scared, It all may look a bit scarey, but its not, As for your husband not knowing about the charges, I was in the same boat, I made a joke about it, & he was great when I told him, If you want to chat any time, Please feel free to PM(private message) me, & if anyone else is in the same boat, pm me, My claims are all finished now, so Im going to help other where I can. But never be scared, remember they took it off you & its time you took it back.

  • Confused 3

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Just think how pleased your husband will be when the dosh comes rolling in !

 

good luck & dont be scared !

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Hi Hayleytin,

I also hand delivered my prelim letter to Halifax, the casher went off to fetch the manager at which point my legs shook :shock: (but in my head I was thinking, well I'm doing nothing wrong, only asking for what is mine) don't let them make you feel uncomfortable, their no better than you. The more you read on this site the better you will feel about each step.

There's a lot of us in the same boat, so don't think your the only one

Purple X :)

26/09 Prelim contractual Interest

11/10 LBA

30/10 Filed N1

03/11 Deemed served

23/11 Offer Made

Lloyds TSB

Purple v Lloyds TSB

08/09 ordered statements.

23/09 Statements Received.

26/09 Prelim

03/10 Received standard response

11/10 LBA

30/10 Filed N1

03/11 Deemed served

08/11 Acknowledgement

24/11 AQ Received

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Well, have written my letter asking for my transactions and charges. Will be sending it tomorrow, or should I take it to the bank on monday? The thought of court scares me plus my husband knows nothing of this. He honestly thinks we have never had any charges, fool.Will let you all know how it goes.

 

Keep reading other Halifax threads especially those who have been successfull already. It should give you confidence and reassure you that if you follow the FAQs and good advice given you will be fine - much better than fine even!!!!

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Guest littlesally

Hi Hayley,

Just want to say my partner knows of very few of my charges and knows nothing of the £1150 loan I got!

Don't be scared, there's loads of help here and in the Bear Garden. We have all been where you are.

Thanks to people like Angi, who hang around to help, rather than take the money and run, we can all proceed.

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Was on another site today, chatting to a friend. She got advice from this site and got her statements and added up her charges. However, she then sent a LBA straight away and got her charges back within 2 weeks. Is it worth doing this once I have my statements or should I do it properly as it says here? WOuld be gratefull for some advice.

*Hayley*;)

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I received my acknowledgement letter from the Halifax on day 40. They then sent the statements 2 days later.

 

Be prepared for 6 years worth of statements to come along, each document in a separate envelope. The Halifax are so lame they'll try anything to prolong the experience. Your postie won't mind, he'll just wonder when he's going to come to the last of them. I got 36 individual envelopes.

 

I'm now in the process of compiling my second letter, requesting enough money from the bank to afford to take my family to Florida next year.

 

Hope it all works.

 

Buy the hubby a gift when you get your money. Then if he hasn't noticed the tree and a half in statements you can claim you've been saving all these years.

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It would be nicer if it were sorted by Xmas, true. I'm hoping the same. Just remember though that if the bank take longer then you can apply more interest in your claim. Also, if they fail to even give you the information you can report them to the information officer for a breach of the data protection act.

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thats what they rely on, intimidation please don't be scared , it does not matter how large an organisation they are, they have taken your money unlawfully. If you want some thought to help keep you focused try this. I read an article in the local paper this week about a 20 year old student who had an account with the HSBC. These bankers withdrew his overdraft facility after taking the whole of his terms student loan of £1200 he was so distressed about how he was going to survive through the term that he hanged himself. go get your money back

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Well, only a week after sending in my SAR, i decided to start bugginh halifax for my statements. I dont see why some peopl can get theirs in 4 days and others 40 days. To and froing e-mails with a helpfull girl called Louise, she has no assured me my statements are on the way. fingers crossed.

*Hayley*;)

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Help, got my staements today, all add up to £3654. How awful am I at paying direct debits!!!!! I cant do my spreadsheet!!!! I cant figure it out and my printer is cr**. Can i just write the list out and send it?

*Hayley*;)

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Hiya

Wow whos been naughty? lol

Right what you can do, is this

you can do them by hand(make sure you have plenty of pens)

or this might help, do you have a friend who has a printer? you could type your details, charges etc & save on floppy disk & ask your friend to print it off for you.

If you had lived near me I would have sorted this out, for you.

check your pm box

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Be prepared for 6 years worth of statements to come along, each document in a separate envelope. The Halifax are so lame they'll try anything to prolong the experience. Your postie won't mind, he'll just wonder when he's going to come to the last of them. I got 36 individual envelopes.

Mine all came (on day 40) with an eleastic band around them in one big brown envelope (handwritten address)...

 

Steve

Claim against Halifax for £2236 plus interest.

 

04/09/06 - Requested statements via phone quoting Data Protection Act. Charged £5.

14/10/06 - Statements arrived.

17/10/06 - Prelim letter sent giving 14 days.

23/10/06 - Received letter dated 19th Oct confirming receipt of prelim letter.

31/10/06 - LBA sent recorded delivery. Signed for 02/11/06

02/11/06 - Phone call with offer of £675 - thanks, but no thanks.

03/11/06 - Letter received conforming offer. Replied with an "accept as partial settlement" letter.

13/11/06 - MCOL - £2236 + 8% interest £417 + 49p per day :D

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Looks like you are exactly a week behind me, so keep an eye out:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/38945-nwuk-halifax.html

 

I'm only a rookie, but willing to offer any help or info you need.

 

Steve

Claim against Halifax for £2236 plus interest.

 

04/09/06 - Requested statements via phone quoting Data Protection Act. Charged £5.

14/10/06 - Statements arrived.

17/10/06 - Prelim letter sent giving 14 days.

23/10/06 - Received letter dated 19th Oct confirming receipt of prelim letter.

31/10/06 - LBA sent recorded delivery. Signed for 02/11/06

02/11/06 - Phone call with offer of £675 - thanks, but no thanks.

03/11/06 - Letter received conforming offer. Replied with an "accept as partial settlement" letter.

13/11/06 - MCOL - £2236 + 8% interest £417 + 49p per day :D

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Guest bluecloud

To make a claim in court is easy.

 

You have two choices.

 

Money Claim Online - http://www.moneyclaim.gov.uk

 

or

 

Visit a County Court - http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

 

 

 

Money Claim Online (MCOL) is, as the name suggests, an on-line version of the County Court. It is based in Northampton. To use the MCOL service, you need to register and be satisfy the conditions for claiming (they are all listed on the site). Everything can be done from the comfort of your own PC. You can even pay with your magic plastic, but be warned that Visa Electron appears to be unacceptable, I'm not sure what the score is with Solo cards.

 

County Court claims involve form N1. This can be collected either from the Court or downloaded via this site. You fill in your N1, attach any relevant documents and hand in with the correct fee.

 

 

 

Whichever system you choose, don't panic, there is plenty of help available from the 65000+ users registered with CAG.

 

 

.

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