mo v Halifax ***SETTLED IN FULL***

[mo]

i think ive confused myself again,too much reading,i was all set to work out my charges with the on line calculater,and now after reading more i cant decide if im supposed to add 8% on or not,so i might be as well just asking for the charges back and forgetting the interest, can any mod can help please

[Clive H]

hi mo i would cliam your 8% i was not going to bother but did it anyway once i got my head a round it took me 2 hours but worked out at £200. just take your time theses guys on here have been a god send, iam at the court stage they have till 6/11 to respond so iam on tender hooks at the min, YOU CAN DO IT

[Angi]

Hiya Mo

 

I just PM you, so come on huni, get that 8% added, I need a beer hahahah

[Angi]

Sorry to jump in on your thread Mo

 

Clive?

 

so your claim is at court now?

 

if yes

 

keep checking your bank account,

 

I feel Fridays a Good Day For You.....

[Clive H]

Thanks Angi Just Got A Letter Going To Defend Just Wanted To Help Mo.it Was Hard For Me To Sort Out 8% But Took My Time And Did With Help From You Guys Many Thanks

[Angi]

Oh I had letters saying they were going to defend, still waiting for that day hahaha

Its just a put off letter, as you will know by now, This site has & is great, I won my charges back, I did have a few problems along the way, but the people on here, just helped me out.

Thats one of the reasons I stayed around to help others out & give my support where I can.

[mo]

thanks angie and clive,think i just needed to know i was doin everything right,getting sleepless nights now moithering about spreadsheets(which i cant do) and 8% interest that i dont understand

[Clive H]

hi mo go to bank templates library their is a speadsheet for 8% put yourown dates and figures in it will do it for you it takes time but it is worth it come you can do it. WE GOT PAID OUT YESTERDAY ITS A GREAT FEELING MO.i had help from guys on here its very scary just take your time good luck

[mo]

im just working charges out by hand cant work out spreadsheet,can someone see if it looks ok what im sending thanks ie...

 

 

date incurred

 

 

ammount incurred

 

 

interest

 

 

days passed

 

 

ammount owed

[mo]

im back again,particulars of claim is it this?

 

 

.

 

1. The Claimant has an account 1234567 with the Defendant, opened May 2000 2. Since 01/02/03 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £XXXX; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

 

 

if it is what do i put in brief details of claim

[livelylad]

im back again,particulars of claim is it this

 

1. The Claimant has an account 1234567 with the Defendant, opened May 2000 2. Since 01/02/03 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £XXXX; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

 

 

if it is what do i put in brief details of claim

 

 

Use this Mo

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

[mo]

thanks,do you mean put this in..

 

 

* Your account number

* Date account was opened

* The date from when your charges began

* That you have already supplied a schedule of charges

* That you will be supplying a further copy

* That the defendant has levied charges and interest

* That the defendants contractual term which allows charges is unfair and contrary to common law

* Total amount claimed

* Section 69 statutory interest statement

* The alternative argument - S.15 Supply of Goods and Services Act 1982

* Costs

[Angi]

Mo

Check your emails huni, Ive sent you what you need to put on your N1.

 

Well Done Clive

[mo]

well,ive finally done it,been with n1 this morning and filled court papers,wish me luck

[Angi]

Hiya Mo

Ohhhh good for you, Now stay calm, dont worry to much, you will do great. This will feel like the longest wait of your life, Loads of Luck to You...not that you need it xx

By the way....mines Vodka & Coke lol(when you win )

Keep me posted ok

[Clive H]

well done mo now your nerves will kick in dont worry easy for me to say i know but we have all been there you think you are going to be the one they go all the way with, on the twelfth day you mite get a letter they are going to defend i got paid out the next day so the 21st looks good for you check your account all the best :grin:

[mo]

just got letter from court,notice of issue,deemed served on 10th november,they have until 24th to reply,oh now im really nervous.

[livelylad]

just got letter from court,notice of issue,deemed served on 10th november,they have until 24th to reply,oh now im really nervous.

 

You will be fine dont worry.

[dollies01]

Don't be they are just pussycats really!

They have just refunded another lot of my charges, at the preliminary stage, and thanked me for my custom!!!

[Hayleytin]

Snap, I filed mine on 7th aswell. Halifax told me they havent got the claim yet, I was worried coz they hadnt acknowledged it, so I spoke to a woman in the legal dept and she said she would get it faxed from the court and then she would acknowledge it!!! Waiting for an e-mail from them to say they have done that!

[Angi]

Hiya Mo

Ermmmm YES wont be long now, check your bank account around the 22nd if not before, They will pay up & STOP being so Worried will ya!!!

Its nearly over

email me if you need me ok

Take Care xxx

[downiblue]

Hi Mo I am in same boat as you, it is scary but a good scary. I filed my moneyclaim online at about 4.30 this morning when igot up for work, it felt as if a great weight had been lifted off my shoulders. I even enjoyed work:) I AM NOT GOING TO LET THIS BEAT ME NO WAY NO HOW! GOOD LUCK WITH YOUR CLAIM.

[mo]

thanks everyone for the support,its a good feeling knowing everyone is there for you,ill let you know what happens

[lucy.c40]

hi mo i too am at court stage took my papers in wednesday afternoon after nearly having a nervous breakdown the day before as i couldnt work out the N1 but with all the help i had i got there anyway the court said they would file claim next day (thurs) so now im just waiting and hoping i get it b4 xmas ,well done anyway and hears hoping for a merry xmas hey x

[mo]

still no word,im really starting to worry now,they have untill 24th friday...