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    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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Ok. I am about to send the prelium letter for £1,045.00 :shock: do i include the £5 admin charge?

 

I have not included the 8 per cent interest do to the current statge nor the standard interest as i could not work out the spreadsheet :oops: i just thought, i'd rather get it right, so i just claimed for charges.

 

Am i guessing the charge for the interest taken back by halifax for the bank charges wont be that much anyway and therefore have done the right thing?

 

Lisa x

Request for all charges sent dating back 6 years 18/9/06

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Hi lisa,

 

Had trouble with the interest myself, found a simple interest calculator at this address

 

http://www.consumeractiongroup.co.uk/chargeinterest.php

 

It seemed to work for me and was easy to use, i'm on mac and couldn't use the spreadsheet at all

 

cheers beano

don't knock it 'till you've tried it! :)

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Thanks,

 

the 'to date' is that todays date or the date they charge me interest?

 

and do i do that for each bank charge? or is this the calculation i use before the MCOL?

 

sorry i just worry :)

Request for all charges sent dating back 6 years 18/9/06

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Lisa,

you only add on the interest charge when you file MCOL or N1, Not before. If you use the spreadsheet which has blue and yellow columns on either side you type in the date of the MCOL file then each charge and the date it was incurred and it adds it all up for you.

 

Hope this helps

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Thanks Guys,

 

It does help.

 

What about the overdraft interest you charge before court action, i tried to use the spreadsheet but could not work it out :confused:

 

Also when working out the daily rate once you submit the MCOL when do you start the charge for the daily rate and stop it? :oops:

 

Thanks :D

Request for all charges sent dating back 6 years 18/9/06

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the 'to date' is that todays date or the date they charge me interest? Yes

 

and do i do that for each bank charge? Yes, it will make a list, but you can't save it. Copy and paste it.

 

or is this the calculation i use before the MCOL? It calculates the interest that you can claim once you have filed at court

 

It really is preferable to use the Simple s/s if you can since:

 

1. The online calc is calculating at 7.3% instead of 8%

2. Once filled in and saved, it will update the 8% to todays date every time its opened.

3. You can use the s/s (without the last 2 columns) as your schedule of charges to send with the prelim and LBA letters

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Thanks, I think i got it.

 

Ok i have picked the s/s which includes contractual interest and not statutory, and is asking me to changed the 8 per cent to my banks unauhtorised or authorised overdraft rate? whats this?

Request for all charges sent dating back 6 years 18/9/06

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hi lisa,

 

just found this link

 

http://www.consumeractiongroup.co.uk/forum/nationwide-successes/7056-juicy-nationwide-i.html

 

you may find it helpful, the bits about interest are on page 2 but the whole thing is worth a read, although its against nationwide not halifax still some useful info from tinkerbell on thread.

 

cheers beano

don't knock it 'till you've tried it! :)

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