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jonni2bad v Halifax - Got the money but no default removal


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another new person on this thread just read it all and i'm amazed like everybody on here!!! good luck will look in my diary for friday and might have atrip up if thats ok.

but if not good luck again!!!

HALIFAX MONEY CLAIM ISS FOR £4k 26/10/06:mad:

 

Look out :eek:

 

Cap One

EGG

lloyds tsb!!!!

 

:cool:

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A very quick update since I'm supposed to be swatting!!!!

 

Produced 2 of the documents from the Competition Commissioner's report into Banking in Northern Ireland and filed them in Court / copy to Halifax on Monday morning.

 

For those who don't know about this report (only published on 20.10.06) it's quite a 'smoking gun' and makes many references to profiteering from charges and a lack of actual costing of the whole default scenario by banks - the Halifax being one. Since they took part in the investigation, they can hardly have a case for denying me the right to use it now!

 

Let's hope the Judge agrees......

 

Find the report here

 

Provisional Findings report -Northern Irish personal banking

 

and see Appendix 4.6 and 4.10 in particular.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Wow.............:o

 

Appendix 4.6 pages 18 through to 28...........Very interesting reading. Shame so much has been censored but still could be quite damming.

 

I seem to recall from the citicards thread of lickthewall that it was agreed that UK, NI and Scot could all be treated independently due to differring levels of expendature and costs etc, so I can see a get-out-clause coming in terms of court admission?

 

Don't suppose an equivalent report has been compiled in the UK?

That would be too easy I guess.

 

Well found Jonni, thats an excellent bit of info,

 

Ta.

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This report specifically states that the Halifax (amongst others) base their charges etc on their operations throughout the UK.

 

If any bank suggests differently, you would need to ask what specifically is so different in relation to their costs that would mean it needed to alter charges accordingly.

 

They have no get out clause as far as I can see (again, let's hope the Judge agrees!!)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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thank you for the link jonni2bad best wishes for friday

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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I will be filing my moneyclaim when you are up there doing your best rumpole impersonation, so all the best J2B.

I hope you bring them to their knees.

Or at least give them a noticable stoop.

Here's hoping your planned drinking session is a celebratory one!!

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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good luck xx

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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All the best for tomorrow - will be keeping watch for the result.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Good Luck tomorrow! I'm currently preparing to do a similar thing to the Halifax myself -

 

- Removal of Default

- Distress and Damages

- Additional damages due to deterioration of health - Stress makes my muscular condition worsen

 

Don't want to say any more - it's a bit sensitive at the moment....will let you know of progress

 

Would love to sit in on your case though, it looks like you've got it well prepared - that and I only live five minutes away from Mansfield County Court!!!

 

Anyhoo...bloody good luck - give 'em a thrashing!!!!

 

Raven

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break a leg jonni

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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Good Luck Jonni will be sitting here waiting

01/09/2006 Data Protection Act sent

04/09/2006 Data Protection Act recieved by Halifax

28/09/2006 Called Halifax to see if they have done anything about Data Protection Act letter

17/10/2006 Non Compliance LBA sent

23/10/2006 Phone call made

24/10/2006 statements arrived

24/10/2006 prelim letter sent asking for return of £1455.87

08/11/2006 LBA sent ;) court next :p

14/11/2006 good will gesture made offered £513 now claiming £1639.95 :D

15/12/2006 Court claim number Halifax must respond by 23/01/2007

 

05/01/2007 PAID IN FULL WOOHOO

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Yep, me too, Keep checking back for any news!!!:grin:

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Maybe he's on the Black Russians already. He did say he would be celebrating before he let us know, so if it's a real bender we may need to wait a couple of days.;)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Interesting read J2B. All the best mate.

Regards

 

 

S

 

 

Halifax PLC - £607 - SETTLED IN FULL

Halifax Card Services - £1142 - SETTLED IN FULL

 

MBNA Europe - £842 - SETTLED IN FULL + INTEREST!

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