On benefits...collecting N1 tomorrow. HELP

[melly407]

Hi all.

Well ive managed so for to follow the site, reading practically everything there is to read., including the FAQ'S!!

And have got my statments, requested payment, (got standard letter that they will take 4 weeks to look in to it) kept to my timescale and sent LBA, during this time they sent me an offer of £701.00!! Im claiming back £4,315.00.....so obviously i didn't accept, i sent letter saying that i would only accept as part payment but not as final. Have not had a reply since. well 14 days is up tomorrow, as i am on benefits i can't do this bit through MCOL. I understand that i have to go to the court to request this form. i will take my list of charges spreadsheet with me (x2 copies, one for court & x1 for bank, with the added 8% interest) i will fill out the form at the court, do i then give all forms to the court? or do i deliver the form to the bank? also i don't know what date we opened our account, we've had it about 10 yrs..can i put an approx guess down on this form? what ID do i need to take with me (if any) regarding my benefits? Is there anything else i should know about collecting this form in person and filling it in at the court? I was guna print out Bankfodders guide to filling out the form, so i could understand the whole thing a bit better. any advice would be excellent......dont want to go wrong at this stage.....got x2 babies to think about, totally broke and severely in debt.

[Thailand]

You will need to fill out 3 N1's which you can download in advance, and an EX160a benefit exemption form(also downloadable), you don't need to do it all in the court. One N1 is retained by the court, one is forwarded to the bank and one returned to you with a seal. Attach copies of all correspondance and shedule of charges to the 3 N1's (well 2 if you like), the court processed my mums EX160a that day and It was a doddle to fill in,

 

Don't hesitate to ask should you need any help,

 

T.

[Thailand]

also i don't know what date we opened our account, we've had it about 10 yrs..can i put an approx guess down on this form? what ID do i need to take with me (if any) regarding my benefits?

 

1. My mum rang branch, and HQ faxed it through (apparently)

 

2. A letter from DWP etc?

[melly407]

Hi Thailand...

Thank you for getting back to me so quickly. Where would i be able to download form EX16OA from? I can't say that ive come accross that form on this site...unless ive totally missed it!!

How long do you think it will be from going to drop papers off tomorrow to when i hear something? and am i right in what i have read that the bank normally pay up when they have recieved the papers? although im basing this that i am going to court!!

Mny thanks once again..i will donate when and if i get some money back!!

[Thailand]

My reading, and small flirt, with the Halifax is that they are no way near as bad as most of the others.... Not set in stone but would guess you're not too far from the finishing line, albeit every case is different so wouldn't like to speculate!

 

Will be back in a mo with the links....

[Guest bluecloud]

Try the following links from HM Courts Service

 

EX160 Application for a fee exemption or remission (PDF 172K)

 

 

EX160 Application for a fee exemption or remission (large print). (PDF 562KB)

 

EX160A Court Fees - Do you have to pay them? (PDF 377KB)

 

 

.

[Thailand]

Sorry its EX160 scrap the a HERE

[Thailand]

Print off an extra copy when you've filled it in for your records, I think if you need to apply for exemption for allocation questionare (should it go that far) you would need to fill it in again, and due to the income/expenditure part you can re-enter the same info again.... just in case

[melly407]

I cant thank you both enough. (thailand & bluecloud) This is my first post on here and im amazed at the speed of response and everyone so willing to help. Thankyou so much, will keep this post updated on my progress.

[Thailand]

got x2 babies to think about, totally broke and severely in debt.

 

The banks don't care, we do! Welcome and yes please keep us up to date,

 

T

[melly407]

hi again.

printed off N1 and EX160.

is there anywhere on this site that goes through the N1 step by step? Ive seen the thread for the particulars of claim. is there anything else. Its just that im really confused after visiting the bear garden. as when i asked a question about the value bit on the form, i was told to put down the amount i was claiming for in charges (£4,315.00) and then something about the 8%intrest, which i do understand and then "intrest persuant to section 69 county courts act off £xxxx or at such rate and for such periods as the court deems just and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £xxp.

when i requested charges back from the bank, i did not claim the intrest part as i couldnt get my head round it. i didnt like to keep asking questions......but if someone could help me in what im supposed to write i would be gratful. By the way 8% interest on my charges is £745.06. if anyone fancys doing and sums for me that would be grate. im so crap when it comes to figures!!

[bearo]

Melly you have a Personal Message!

[bearo]

Mel

 

Update us and let us know how things are going!

[melly407]

Hi All,

Well what a nightmare!! First off i couldn't find the stated proof of benefit stuff they wanted, so i went down with a letter from the benefits agency and copies of my bank statments to prove what i was getting............this was friday afternoon.......they wouldn't accept it. So i had to wait till Monday (yeaterday) to spend an hour on the phone and then an hour in the benefits office to wait for a two lined letter i could of done myself.!! Well i handed that in at the court and it has all gone through...........now i wait...............and wait............and wait!!!!!!!!!

I just want to thank you Shaz for your help in doing that form, you were a lifesaver and also thankyou to all others that have helped me so far. Had an idea..........maybe a post could be set up on how to fill out that form.i cant be the only one that had problems with it.........i hope not anyway!!

well, i will be keeping you informed if i hear anything, will start checking my account daily from tomorrow.early i know, but desperate!!

[Thailand]

If the form you are refering to was the EX160 then I am sorry for citing it was a doddle to fill in hun!

[bearo]

Mel! Sorry you had so much trouble proving your entitlement to benefit, different strokes for different folks and all that, as I said to you last week all I needed was my certificate from the tax credits and bob's your uncle! At least you have it all filed now! Got your shopping list ready?

[Guest Niklowe]

Is this any use?

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

[melly407]

hiya,

Thanks niklowe, ive seen that thread and used it, but i couldn't find anything for filling out the rest of the form, although basic sounding qu's, i was helped answering these so i didn't sound like i didn't know what i was talking about.if you get my drift!!

and in response to ollibears (shaz) post..........i had my shopping list compleated before i even started my claim!!

take care all.

[melly407]

Hi all,

Just to update everyone.....been checking my account daily, still nothing. I haven't even heard from the court.

Would i hear from the court b4 i get any cash in my account, or could they just pay it in. Waiting for todays post, if nothing, then i will contact the court.

[Thailand]

It took about 12 days for my mum to get any paperwork back:rolleyes:

[Movingon]

When you're claiming remission of fees, they generally take longer to sort your claim out. Don't worry - they'll get it done for you!

[nigel1804]

It can take a little longer with the 160 form the courts have to check it out b4 they proceed.You'll then get a certificate of notice that will state when it was sent to the bank,deemed served to the bank.They then have 14 days to reply to see what they want to do.they may let the court know that they wmay intend to defend in full,normally after that your money comes through and you get a letter from the bank not admitting liablity but they prefer to pay up than go to court(you've one then)Don't forget to let your court know that they have settled the claim.Patience...... patience..........is the game.Regards nigel

[melly407]

hi all.

Nothing in the post. Is it worth me ringing the courts tomorrow? Or just sit and wait?

And will they have served the papers b4 they contact me? or do they just let me know when they are going to serve the papers to Halifax?

Am i likly to get a payout b4 November? (birthday is on the 5th, and would like to go out!!)

All this waiting is driving me mad!!

[bearo]

Melly,

 

I woudl think that in the next few days you should get a letter from the court which will include a copy of your claim, on the front will be date of issue and when it is deemed served on Halifax, they will then have 14 days to respond, you can always ring the court and ask what's happening as its been a few days since you filed, however bear in mind they could be extremley busy right now hence the hold up?

[melly407]

thanks shaz again....

dont mean to be impatient......!! Just desperate for the cash

take care all!!