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Hello,

 

I know it is still possible to claim back charges on Credit Cards and Loans and I am in the position that I need to enter legal papers towards Halifax as they are refusing to pay out.

 

Have the POcs changed since the OFT ruling or can use the same ones from the bank charges era?

 

I can't seem to seem to find any POCs on the site, so please can you point me in the right direction?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Yes, charges can be reclaimed on Credit Cards and Loans. These were never subject to the OFT case.

 

However, banks are defending - I think there are one or two current threads, I will have a look for you.

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Hi citizen,

 

Thanks for your help

 

I have found some POCS but they are for LTSB cards - I asusme these will be ok

 

Any idea which Address I should use?

 

How far are they defending to, any idea?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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shelleys pocs are very good

 

see the barclaycard successes forum

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just to keep you updated, I've just entered the MCOL now. The POCs I found and have printed...so these need to signed and sent to the court and the bank do they?

 

I know the bank have 14 days to reply but I only put a summary on the claim form!! As it's not me claiming, can I just send the POCS to the court and the bank without them being signed, or should they be signed?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 3 months later...

Hi guys,

 

I totally forgot I needed to submit court bundle for the hearing that's scheduled on 20th May. I should have had it submitted yesterday.

 

I'm claiming credit card charges and they've taken it to court bundle stage so far and tbh I am scared.

 

Any ideas what I should e putting in my budle and whether they will make me attend?

 

I claiming for a friend and she is freaking out about having to attend court.

 

HELP!!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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have a look at shelley threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Don't be afraid, it's not a court with a judge in a wig and nasty solicitors walking up and down shouting at you. It's a little office where you sit at a table with the judge and the other sides representation. You friend should attend and you can go with her.

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  • 2 weeks later...

This seems to be the way Halifax are behaving of late to just deny all claims for charges.

 

A previous claim I had against BofS over an Opus card was settled albeit late in the day but at least before the AQ was filed before the court, today I received a defence to my Charges claim against Halifax & they have defended everthing so I guess well have to see how far they take this one.

 

Good luck un1boy I hope that they are just pushing you & that they settle before so that you don't have to go to trial.

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