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vsouth v Halifax ***WON***


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Please can somebody help me and give me some advice on how to use these spreadsheets. I am trying to make a spreadsheet calculating the 8% interest ready for filing my N1. Have been sat at my PC for ages trying to work it out. I am using the Simple version on Google with the statutory interest. Where do I put the 0.00022 and how do I calculate this. Really confused!!!

 

 

Please anyone???

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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i struggled aswell! there are some spreadsheets in the step by step instructions bit, they calculate the 8% for you, the 0.00022 bit is for the court claim bit, you just times your total charges (just the charges-not with the added interest) by 0.00022 and that is your daily rate!

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i struggled aswell! there are some spreadsheets in the step by step instructions bit, they calculate the 8% for you, the 0.00022 bit is for the court claim bit, you just times your total charges (just the charges-not with the added interest) by 0.00022 and that is your daily rate!

 

 

Thanks mawrey! Just been trying again to work my way through it. I have entered all my charges. The total of JUST my charges is £2489.00 so do I multiply that by 0.00022 to find my daily rate of interest??? If so do i then enter that into the spreadsheet. I am using one out of the template library. Have just filled it in using 0.22 in the daily rate of interest. Any help would be much appreciated. I am at the court claim stage so am feeling slightly nervous and want to get this right!!! I am having a real dizzy airhead day today!!!!:grin:

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Ok. Have just gone back to spreadsheets and changed my daily rate of interest to 0.55 (2489.00x0.00022). My spreadsheet is as follows:

 

 

Claim date: 30 Nov 2006

 

Interest rate: 8%

 

Total claim: 3179.94

 

Daily rate of interest: 0.55

 

This makes the interest total £690.94. Does this seem correct??? Think I have brain meltdown!!!:grin: :grin:

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Ok. Have just gone back to spreadsheets and changed my daily rate of interest to 0.55 (2489.00x0.00022). My spreadsheet is as follows:

 

 

Claim date: 30 Nov 2006

 

Interest rate: 8%

 

Total claim: 3179.94

 

Daily rate of interest: 0.55

 

This makes the interest total £690.94. Does this seem correct??? Think I have brain meltdown!!!:grin: :grin:

 

 

Sorry in advance for being an idiot!!!:grin: but when I change the daily rate of interest in my spreadsheet it does not alter the TOTAL amount of interest. aaahhhh!!! have not used my brain like this for a long time!!!:-)

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Sorry cannot help you there, spreadsheets are like aliens to me.

But the one I downloaded from the libary suited my needs and I have left at 0.8% for all adding up of interest.

 

Mind you before I go to court I will asking a lot of questions and posting my sheet for people to judge and advise on.

 

Keep on carrying on claiming the right

 

 

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Hi All,

Just been to my local court and collected the N1 claim pack. Just a couple of questions, Please can somebody tell me what I write in "Brief details of claim" and do I need to send in copies of my statements aswell as copies of my spreadsheet? I have copied the particulars of claim from the template changing what i need to. Any help would be much appreciated as I really want to get this bit correct!!

 

Thanks

Vicki:)

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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:) Just been to my local court and handed in my N1 forms and £120.00. Very helpful at the court. Checked all my forms and told me the procedure. The lady who helped me said they have had a lot of these just recently. She was very interested in it. She even wished me luck!! Anyway all I can do now is wait....:)

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Had my form back from the court. They have deemed the order served on 9th December and the Halifax have until the 28th to respond. Just a waiting game now I suppose to see what they do next. Will keep you informed. :)

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Hi all,

Was looking through my court form yesterday and realised that the 14 days that the court have allowed the Halifax is 14 WORKING days and these include Xmas day and boxing day. They have not included these as holiday dates. I decided to ring Halifax legal department and spoke to Jamie Mcgill?. He sounded really stressed and told me they had not received my court forms yet but to ring him back on Friday and he would check then. The thing is I wanted to remind him that they only have until the 28th to reply to the court and these included Xmas etc.. and he said that they have so many claims going through at the moment that they are snowed under.!!! I did remind him that if the court had nothing back by 28th then I could claim a judgement against them but after reading lots of threads this seems to drag the process out longer. So I will keep gently nudging the legal department to avoid the judgement route.

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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sorry had to laugh at your last post lol ,you said that you spoke to jamie mcgill (still laughing) and he sounded really stressed ,i too have had conversations with him yesterday and the day before that ,he didnt sound too stressed the first time but he definately was by the time i,d finished with him lol,please feel free to read my posts and u may get an idea what im on about lol oh good luck with claim

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sorry had to laugh at your last post lol ,you said that you spoke to jamie mcgill (still laughing) and he sounded really stressed ,i too have had conversations with him yesterday and the day before that ,he didnt sound too stressed the first time but he definately was by the time i,d finished with him lol,please feel free to read my posts and u may get an idea what im on about lol oh good luck with claim

 

Hi,:)

It was after reading your thread that I decided to ring him!!!! I got the phone number off your thread. Anyway will be speaking to him again tomorrow. Give him a bit more to stress about!!!

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Hello,

Just a quick update. Rang Rachel Hinchliffe this morning to find out whether they had received my court papers. She has just rung back to say they have received them and they will be filing an Acknowledgement of service and that one of her colleagues will be sending a letter to me shortly. So they will either pay up or leave it for the extra 28 days and then defend. Is this correct? At least I now know they have my court papers though.

 

Waiting, waiting, waiting........:-D

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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hi vsouth im in exactly same position as you only i havent phoned them yet as im not sure what to say (i want my money),jamie mcgill told me wed last wk they have now got papers and they were due to defend fri 15th but as far as i know they havent so now have till 30th then i file for judgement,its really stressing me out coz i was hoping to have it for xmas ,if you have any thoughts on what i could say when i phone them it would be great many thanks lucy

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hi vsouth im in exactly same position as you only i havent phoned them yet as im not sure what to say (i want my money),jamie mcgill told me wed last wk they have now got papers and they were due to defend fri 15th but as far as i know they havent so now have till 30th then i file for judgement,its really stressing me out coz i was hoping to have it for xmas ,if you have any thoughts on what i could say when i phone them it would be great many thanks lucy

 

Hi Lucy,

Firstly I would ring Rachel hinchliffe NOT Jamie McGill as he seems to be a little bit slow! All I said on the phone was had they received my court papers yet and asked them if they realised that the court had not taken into account the christmas day and boxing day holiday. The halifax have until the 28th to respond to court which is fine, all I was querying was if they had now received them and the timescale to include the holidays. I explained to Rachel Hinchliffe that I would file for a judgement if I had not heard anything by 28th. I think probably the best thing to do is ring Rachel and speak to her. Either way they still have until the 30th so there is still time for them to pay or defend. Have you asked your local court if they have received anything from them yet?

 

Rachel Hinchliffe number: 01422 391 096

 

Good luck Lucy. It really seems to be a matter of waiting now. I know its hard and stressful but you have come this far so hang in there.

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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thanks for that vsouth i am now going to ring her and see whats happening ,this must be the worst bit (waiting) ,keep checking account ,practically hounding the postman (must think his xmas,s have come all at once)lol.anyway will get back to you asap ,thanks again for advice :)

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I havn't rung Jamie mcgill -maybe I should and stress him a bit further, I am also waiting have now filed at the court on same timetable exactly as vsouth, but I have never had any phone contact at all with anyone from the halifax.ever, don't they want to talk to me? - does it help to call them?:-D

I am also claiming from the TSB and I am having a bit of a laugh as the new address I have is from a Debbie Gilbert in Andover, Hants. My Husband used to do the recrutment there and we lived just around the corner! I went to school there and the name does ring a bell!!! now that would be funny!:p

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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:D Oh My God!!!!! I WON!!!!!!!!!!!!!!. Just checked bank and its gone in this afternoon!! Thankyou thankyou thankyou!!!!!Will do survey and donate as soon as its sunk in!!!!:D :D :D :D :D

HALIFAX:mad:

 

Statement request letter sent 17th Oct 2006

Statements received 02 November 2006

Prelim letter sent 03 November 2006

Offer letter received 18th November £450!

LBA sent 20th November

Court claim deemed served 9th December 2006

WON!!!20th December PAID IN FULL!!!

:D :D :D :D :D

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Well Done Vsouth - Congratulations!!!!!

 

We Are Were On The Same Time Scale - And Halifax Just Put The Money Into My Account Today!!!

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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