Skeeloj Vs Halifax

[skeeloj 1]

Hi there,

 

Have been using a different thread, but have now been advised to post a new thread in this forum as I am claiming back charges from Halifax.

 

Current Position:

 

Received statements, am claiming back £602 in charges from Halifax. I have issued 2 LBAs to Halifax which they have until today to respond. If I get home and there is no letter from them, I will be starting my court proceedings tomorrow. Wish me luck and thanks to excellent people on this site who's help so far has been amazing. Once again, thanks to all for your advice and support.

 

Will keep you posted.

 

Skeeloj.

[bearo 583]

Great you found us!! - (I am not stalking you honestly! )

 

Sounds like its all going to plan so far, you will see your money very soon!!

Any probs just post away on this thread!

[skeeloj 1]

Hey Shaz,

 

Thanks a great deal. Really appreciate all your help I know your not stalking lol.

 

Can I ask, do you know how much court fees cost and do I have to pay it at the time of issuing my claim?

 

Thanks.

[bearo 583]

It is a sliding scale depending on how much your clai is for, although if you are family tax credits you are exempt... here is a link to the county courts small claims, it explains much more than i could ever! Small claims track

[skeeloj 1]

Thanks for this. It's gonna cost me £80 according the link and I was wondering if I can claim the money back off the Halifax and do I include this in my total amount tha tI am claiming back.

 

Thanks.

 

SKeeloj

[bearo 583]

yes when you file a small claim you put the £80.00 on, also your sar request fee is refundable too

[skeeloj 1]

Thanks very much. One last question (for now and sorry for all the questions). My credit cards have not responded to me as yet. I have only issued the 1st LBA to them. Is the next step I send another LBA giving them another 14 days and after that, start court proceedings.

 

Thanks Shaz.

 

Skeeloj.

[bearo 583]

Process

 

1. Sar Request 40 days

2. Peliminary letter 14 days

3. Letter before action 14 days

4. File small claim

 

[skeeloj 1]

Hi there,

 

I submitted my MCOL today and had to withdraw it because I had made an error putting in my account number under the particulars of claim bit. I often wonder things happen for a reason.

 

Yesterday 17 Oct, I got a letter from Halifax saying that they didn't receive my LBA letter of the 12 September and only received my second LBA letter (I referred to my letter of 12 Sept. in this letter) and that they are now looking into my complaint. On 18 Oct (today), I got another letter saying that the figure of £602 is incorrect and they make it £292 in charges and I was given wrong information and they also enclosed a list of charges they are referring too. Well the charges they have listed only date back as far as 2004. They are offering my £109 of the £292 total. Which I will of course refuse. As a result of me going through my statements again and double checking against what they say, I have now realised they owe me £702, £100 more than my original request.

 

When they provided me with my statements of 6 year history, they said they were really sorry, but couldn't provide me with statements from Jan 2004 to Oct 2004 because they were not available. As a result of their breakdown of my charges that they supplied, miraculously they managed to identify charges applied to me from the statements they allegelly couldn't provide me with previously. However, I managed to find these statements i've now discovered another £100 in charges.

 

Please can you advise me what I should do. I was going to photocopy the statements where the charges have been applied and send these to the Halifax and reject their offer and give them a few more days to respond or should I just proceed with my court action?

 

Many thanks in advance.

[ED1237 86]

As you have amended the amount, you need to send another LBA with the amended schedule, but only giving them 7 days to respond. I would point out that the charges you are claiming go back further than those they calculated. After the 7 days, file.

[skeeloj 1]

Many thanks for your advice. I will do that.

 

Regards.

 

Skeeloj

[skeeloj 1]

Latest update... Halifax after telling me my claim was incorrect and was only for £202 or something have admitted that it is £787 and are offering me £209. I have declined their offer by telephone and told them that I would be proceeding with court action. MCOL issued on 4 Nov. They have until 25 Nov to respond.

 

On MCOL it says claim acknowledged.