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    • Hi. I've moved your thread to the Residential and Commercial lettings forum. People should be along to advise later. HB
    • Ah I never even considered it, odd f9r me because im Tech savvy. Had a look and sure enough its all there in my google timeline. Perfect. 
    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
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started my claim.... oh they will pay :)


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started my claim against the halifax for £364 plus £249.25 in interest at their unauthorised borrowing rate of 28.8% APR....

 

HEHE feels good...

 

got my std reply letter this morning saying "we sorry ur unhappy etc... we are getting case manager to look at this, may take upto 4 weeks"

 

:mad: - who do they think they are trying to dicate the process! their 14days before LBA action letter is ticking

 

 

but unfortnatley because i am in n.ireland i cant use moneyclaim online, small claims court for me

 

 

 

 

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They whereon phone ;last night trying to speak to me.... i didnt answer wife did.. and wrote to me today again.... explain about charges are fair and another leaflet and offered good will of £206

 

Ths letter is presonally signed too...

 

Should i wait the remaiing days and send lba? or reply now with stuff it?

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They whereon phone ;last night trying to speak to me.... i didnt answer wife did.. and wrote to me today again.... explain about charges are fair and another leaflet and offered good will of £206

 

Ths letter is presonally signed too...

 

Should i wait the remaiing days and send lba? or reply now with stuff it?

 

You can reply now as they have made a final offer and stated their position.

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just posted a letter to tell them i still want all my money 8-)

 

 

 

i just had to tweak mine as i had only send Inital request LBA hasnt went yet

 

Response to settlement offer.

Dear Hayley

Thank you for your letter dated 25/10/2006

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £614.67 (£364.00 in charges and contractual interest of £250.67), for your convenience a copy of the schedule of charges is enclosed.

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

My initial letter sent previously indicates that you have until 03/11/06 to respond after which I will send you a letter before action giving you a further 14 days in which to reflect before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my position

 

 

Hope this gets the point across

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got another letter today back, "sorry you still not happy, £206 is all we can offer as some charges we cant refund... if you want to take it further we suggest finical ombudesman etc....."

 

well LBA this friday so, lets play the waiting game

 

oh and cahoot just charged me i feel another one coming one

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  • 2 weeks later...

so... letter back early today from halifax saying they offered final settlement on 1st nov (1/3 of amount), they cant help anymore...

 

should i lodge mye court case now, or wait until actual time has expired (mon 20th) before lodging, to prove you followed some kind of proceedure?

they threatened account closure again, will they actually do this :) ?

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I haven't heard of them closing any active accounts yet!

 

I would wait until the 14 days deadline is up and then if it does go to court at least it shows you have given them adequate time to reply positivley!! :)

Springer :p

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  • 3 weeks later...

had to fill in an extra form yesterday to enable the NI courts to pursue the matter in England and Wales...

 

lets hope case porgresses.... would be nice if it was settled by xmas :), heres for hoping!

 

i am also going to send in my schedule of charges to the courts they require 2 copies, presume one is for the bank.

 

 

should i sent in my letters and their replys as extra evidence?

and should send my bank statements?

 

if i choose to use the bank statements the court officer did state, the court would automatically presume the bank has them as they hold my records and banking details....

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started my claim against the halifax for £364 plus £249.25 in interest at their unauthorised borrowing rate of 28.8% APR....

 

HEHE feels good...

 

got my std reply letter this morning saying "we sorry ur unhappy etc... we are getting case manager to look at this, may take upto 4 weeks"

 

:mad: - who do they think they are trying to dicate the process! their 14days before LBA action letter is ticking

 

 

but unfortnatley because i am in n.ireland i cant use moneyclaim online, small claims court for me

 

 

 

 

 

You can file you claim in England or Scotland.....if the ammount you are claiming is over £750 thats what you need to do. I to am in Norn Iron and have started my claim a few weeks ago. received the statements yesterday!

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hi apples they offered me a 1/3 settlement, but was rejected as full settlement and accepted as a part settlement....

 

then i got a templete :)

 

 

hi lutecia great to see someone else from here taking them on...

 

 

hopefully i win sooner rather than later, and would be nice to stay with halifax afterwards, nice idea of phoning up and saying "remember how i took you to court before, well i will again if you dont repay charge"

 

stay cute and all!!!

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Guest ian cognito

Apples all templates are in the bank templates library under the spreadsheet link, sorry can't paste for some reason.

 

Start your own thread in you bank forum and you'll get all the help and advice you need, also have another read through the FAQ's before you go any further.

 

Good luck

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  • 4 weeks later...

bit of a kerfuffel!

 

i am still waiting on the 18th jan deadline for Halifax to respond to me or the court...

 

since the court case was filed, i have had 2x further £30 charges... what should/could i do?

 

1. alter case, and would that mean, extra delays i.e. re-issuing of case

2. negoiate on the full settlement (hopefully) from halifax, to include 2x new charges raised

3. start a new procedure against them for 2x new charges

 

many thanks

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at long last ts over :)

 

halifax wrote to me to day, acknowledged court case... replied they intend to defend. But on a purely commerical basis have decided refund charges + 28.8% interest and court costs without admission of liability :p so!!!

 

better still money is in my account with no talk of closing it :D

 

 

so.... as for my other 2x new charges, lets ask for those back too!!!

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