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mark--- vs HALIFAX


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Decided to take the plunge for the £3K i think they have had off me in the last 6 years. My fault for managing my money so badly.

 

Sent off the 1st letter today.

 

Wish me luck.

 

mark---

I'm coming to get you Howard :lol:

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You shouldnt need any luck really, it is a proven method of reclaiming your money, however i will wish you the best of luck in getting it back asap, some people reclaim relatively more quickly than others!

Keep your thread updated as you move along the process!

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was really nervous about doing this. however after 3 hours of reading this forum i feel confident about getting the process done correctly.

 

can't believe i have waited this long before going for it.

 

good luck to anyone else going for it. if anyone else is at the same stage as me it would be good to follow each other.

 

mark---

I'm coming to get you Howard :lol:

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  • 2 weeks later...

Got the statements through today, only £2367 !!

 

done the prelim letter.

 

Any idea how i can get onto the statement of charges spreadsheet ??

 

Thanks

 

mark

I'm coming to get you Howard :lol:

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Got a reply to my prelim letter from Joanne Carmichael.

 

Bla Bla.

sorry to learn you are unhappy................

Bla Bla

We will reply in 4 weeks..........

 

Is it best to wait till the 14 days are up before sending the LBA ?

 

Thanks

I'm coming to get you Howard :lol:

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Is this an acceptable LBA. Would really appreciate a response from someone who knows what they're doing.

 

LETTER BEFORE ACTION

 

 

 

 

 

 

 

 

 

########

#######

#######

#####

#####

#######

Thank you for responding to my letter that you received on the 26th October 2006.

I am unhappy that your response does not involve telling me how you arrive at the charge amounts.

 

Templated part of letter edit by moderator as it is in Library, available to only those who are registered on the forums!

 

 

 

 

Yours faithfully,

 

 

 

Hope this will get the reply that i need

I'm coming to get you Howard :lol:

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Got a call from some guy from the Halifax this morning.

 

He basically said that i had no chance of getting any money back. He then promptly offered me £500 to go away. I told him to put it in writing and that I would speak to him soon.

I just hope they roll over this easily when i take then to court in 2 weeks time.

 

Any moderators or anyone else for that matter had a call so quickly ( 15 days after prelim was sent) ?

I'm coming to get you Howard :lol:

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Recieved a letter from Michael Davenport ( Review Manager, Customer Relations) offering £634.00 (where do they pluck these figures from?)

 

Should gonna use the template to refuse it. is that correct ?

 

I wish they would just pay straight up, it would save us both wsome hassle.

I'm coming to get you Howard :lol:

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Recieved a letter from Michael Davenport ( Review Manager, Customer Relations) offering £634.00 (where do they pluck these figures from?)

 

Should gonna use the template to refuse it. is that correct ?

 

I wish they would just pay straight up, it would save us both wsome hassle.

 

 

Send the rejection letter and continue to your timetable.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=25716

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it is annoying how they mess us all around but still pay up eventually - but stick to your timetable even if you get a reply from them before the 14 days, then the court know that you've done everything properly. Good luck!

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

--------------------------------------

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  • 2 weeks later...

Mark, the text for MCOL is here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

you need to fill in your details. I have been doing this today as well!

 

I have sent Halifax another copy of the charges as well - gives them no excuse for not knowing what I'm claiming!

 

Good luck with your claim.

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Mark, the text for MCOL is here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

you need to fill in your details. I have been doing this today as well!

 

I have sent Halifax another copy of the charges as well - gives them no excuse for not knowing what I'm claiming!

 

Good luck with your claim.

 

Joty. Thanks for that. How did your letter to the Halifax go ? and who did u send it to ?

 

thanks

I'm coming to get you Howard :lol:

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Mark, all I said in the letter was that I was sending them a copy of the schedule of charges that had been filed at court today. I have previously sent them one when I sent my original letter, but this one now includes the interest.

 

I didn't go into anymore detail as I have previously warned them that I would be filling a claim through the court when I sent them the LBA.

 

I sent two copies, one to the person I've had letters from in Customer relations and a copy to their Head Office address.

 

Hope this helps

Joty

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