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Crocodiles Vs Halifax


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Good luck! You sound on a similar schedule to me, although I have used the manual form N1 which has been safely received and notice of issue (think that's what they called it!) will be sent to the Halifax by the end of the week.

 

Quite excited by it all!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Thanks to Michael & bluecloud for your sound advice. My MCOL was double checked and is fine.

Thanks BB for your encouragement.

I will keep a close eye on your thread to see how you get on.

We may be celebrating at the same time. Best of luck!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Quick update,

 

Recieved confirmation from Northhampton court that they had served on Halifax. Will be deemed served on 18th (this drags on a bit doesn't it?).

Then recieved a letter from Halifax withdrawing their offer and again threatening to close my account.

Ho hum......

Here's hoping they cough up before Christmas!!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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The Bandits! Keep at 'em. I'm on a similar schedule so will probably get the 'account closure' letter over the next few days :-| Like I would ever bank with them again.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Well....

Thats almost one week since claim was upgraded to 'aknowleged' on MCOL.

Still no letter from Halifax, either aknowlegement nor payment.

If I recieve nothing in writing, can I request a judgement when the 14 days since issue expires?

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Quick update.

 

Recieved written aknowledgement from Northampton County court of my mcol claim.

Claim was filed on 11th Nov; issued on 13th and aknowleged on 17th.

Delay on recieving post may be due to using a proxy addressd in England.

 

I've has no contact from the Halifax whatsoever.

I'm going to give them a call to find out when their last corespondance to me was. Again, this might be delayed by use of proxy address.

 

They could hold on until 15th Dec before lodging a defence but the average based on most threads I recieve indicates that I have a chance of going xmas shopping by end of next week.

(He writes more in hope than expectation)

 

Looking forward to making a donation!!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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i have been following your thread, good luck with your claim! i am one day ahead of you, my claim acknowledged on the 16th...don't know about you but i'm getting quite impatient!! i haven't recieved anything back from the halifax either......feel quite neglected!

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I feel in limbo a bit as well.

After the flurry of activity and excitement at the prospect of being reimbursed, now all there is to do is wait...............

 

I'm prepairing another couple of claims but I won't start them until Halifax pay up. Proof in the pooding and all that.

I know that there have been many success stories on this site but I will go ahead with the rest once the filthy lucre is in my hand!

 

I am interested in exploring claims going beyond 6 years, being a veteran of Black Wednesday and 16% interest rates from the early ninties.

 

I could just about pay of my house mortgage if I got reimbursed all of that lot!!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Quick update.

 

I've just e-mailed the Halifaxx legal services Department asking if they can confirm aknowkegement of my mcol claim.

Let's see if I get some feedback now.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Well done Mo!!

 

That cheered me up no end.

I got a reply from Ms. Rachel Hinchliffe of Halifax legal services, saying that she had not recieved anything from court and that I should give them 5 days for posting.

I replied that the claim was issued on 13th Nov, acknowleged on 17th and even if the acknowlegement was erronious, it would have been deemed served on 18th.

I included an electronic copy of my claim form in my reply.

In fairness to Ms. Hinchliffe, she replied to my speculative e-mail within minutes.

My counter-reply was sent at 17:05, and therefore out of office hours.

Should recieve an e-mail from her this morning, barring holidays, natural disasters and them already having paid out!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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First things first.

Well done month and Aaronsdad!!!

 

I'm totally chuffed for both of you!

 

Hey Aaron, don't let your old man off the hook.

Don't settle for enything less than a Space shuttle this Christmas!

A REAL one, that is!

 

On a more sober note....

Still no written correspondance from Halifax and more disappointingly, no reply to my e-mail of last night.

 

Oh well.

Cinderella here will be thinking off you two having a ball.

Now, where's my plate of gruel......

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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well i'm debating contacting them as i've heard nothing either (claim acknowledged on the 16th) how come if they have acknowledged you on the 17th, they claimed when you e-mailed them to not have recieved anything from court?

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Gruel? Gruel? You're in Airdrie man, it's porridge.

I've been looking out for you. Monday that's the vibe.... MONDAY!!!

Be aware though, when you do get a refund, it seriously hurts your head every morning! Or is it just me?

Slater gator

 

Derek

[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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IWON!!!

 

Went to the bank on Friday in Glasgow and no doh.

Got into my car & logged into online bank via my phone.

between leaving cash machine & getting to car park the money was in!

Had a few glasses of milk at a local hostelry on Fri night to celebrate.

Been Xmas shopping, booked my tickets to Paris and I'm a very happy bunny.

Aren't the Halifax a lovely bunch of chappies??

 

Will get this thread onto the 'successes' group and a donation will be on its way.

Now, who's next???

 

Keep going everyone, you will get your cash, and thanks to everyone for your fantastic support, especially the geniuses that had the vision to set up this site!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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IWON!!!

 

Went to the bank on Friday in Glasgow and no doh.

Got into my car & logged into online bank via my phone.

between leaving cash machine & getting to car park the money was in!

Had a few glasses of milk at a local hostelry on Fri night to celebrate.

Been Xmas shopping, booked my tickets to Paris and I'm a very happy bunny.

Aren't the Halifax a lovely bunch of chappies??

 

Will get this thread onto the 'successes' group and a donation will be on its way.

Now, who's next???

 

Keep going everyone, you will get your cash, and thanks to everyone for your fantastic support, especially the geniuses that had the vision to set up this site!

 

Fantastic, well done. Just a quick question that I've posted on other threads too - did you claim statutory interest at 8% or contractual interest i.e. what they had charged you? Reason I ask is Halifax is saying I can only claim statutory not contractual and there's misleading info on this forum/it's not clear which can be claimed although there is an arguement for contractual. Thanks

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Hi BB,

 

Your cash is on it's way, I promise!!

 

Thanks technique,

 

I claimed statutory interest this time, but I have a few more fish to fry and I will be looking into the merits of charging contractual interest.

Check out Bankfodder & blueclouds threads.

I am sure there is sime infor on that, or references to other threads.

 

Best of luck!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Hiya S!

 

Been far too busy celebrating, but I promise I will have my head back on tomorrow. Will be in touch, and that goes for everyone else too. I'm sure you understand!!!!!

 

A D

 

Night night all!

[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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  • 2 weeks later...

Well done BB!!!!

 

Is it spent yet??

 

lol

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Oh yes! My Mum's got a muckle big telly for her Xmas - 32" flat screen, freeview and all the extras. The rest has gone on all important things, um, my car being serviced and taxed, a new matress and generally having a breather from worrying about money.

 

The latter of those things beings priceless!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi BB,

 

You are so right about the breather.

 

I have done Xmas, gone to Paris, and got drunk but the best bit is that my flat is safely mine until it is sold, and my parents & parents in law were given some cash back that they had previously helped us out with.

 

It feels good, doesn't it?

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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