Wilkins vs Halifax ***WON***

[ukaviator]

Hi Wilkins

 

It should'nt get that far, but you must be prepared if it does. There is a buddy system on this site if you are worried about it. Where are you in the country?..

 

Uk

[thesergeant]

Wilkins,

 

As one of the previous posts mentioned, they tend to ignore or forget all about it ............

 

They wrote to me offering a partial payment and disputing interest. I accepted it as an interim payment only and informed the court I was still pursuing the remained.

 

The Halifax just ignored/forgot about it. When I pointed out the final date for filing a defence or paying up was oly three days away - They paid all the outstanding interest in full

 

Do not panic, settle back and wait. If you haven't heard by the beginning of the final week, write to them again pointing out that they must file a defence or pay up or you will seek judgement in default ............

 

All the best.......

[WILKINSS208]

Hi

thanks

so will i write next week to remind them they need to reply? or will i just wait. also, where can i find a buddy? im in newcastle upon tyne

[bill-k]

Hi

thanks

so will i write next week to remind them they need to reply? or will i just wait. also, where can i find a buddy? im in newcastle upon tyne

No harm in polite reminders - it has precipitated instant settlements, I hear, bonny lad !!

[Angi]

Hiya

Add me for a buddy, I will come along & hold your hand(not that you will need me to do that)

Will you chill out, you will be fine trust everyone who replies to your threads, ok, I have never known any-where give so much support (me thinks they are all NUFC fans lol)

pm me if you need me ok

mines a Vodka & Coke

[WILKINSS208]

thank you, i will await their reply

[WILKINSS208]

sittin here thinking again. i would love this money for xmas but wont get it. would love to treat the whole family as they have helped me out lots while been a student. would be nice

[bill-k]

"Wilkie"

 

...Your call, no-one else's. Tough one, admittedly.

 

Your heart says one thing - your head says another, it seems. Chances are, as you say, you won't get it for Christmas, anyway.

 

If you want to repay the family for previous favours, I say let your heart buy them something small & thoughtful this Christmas to say thank you, and love you. Then let your head buy them something in the January sales that costs ten times as much as you could have bought them for Christmas.

 

To me, that says, "I love you with my heart and my head." In my book, that's all of your soul.

 

FWIW - the best prezzie I ever bought my girlie (now my wife) was an IOU. I was skint, but had a new job in the offing. The IOU was the most treasured, as the message that came with it, came from my heart. The prezzie I eventually bought her was appreciated, but has since been outlived by the message that I gave her with the IOU.

 

Yeah - cheesy, I know. Cheesy time of year.

 

But it's still your call.

 

How much do you wanna say thanks ?

 

 

 

 

 

Thinks.....

 

 

 

 

 

 

 

 

 

 

 

(There's good guys here - right behind ya, either way !!)

 

 

 

 

 

 

 

 

 

...

 

 

 

 

 

 

 

 

 

Now make the call - one way or the other !!!

 

Love & Max. Goodwill, mate,

 

Bill.

[WILKINSS208]

thanks. i might just do that.

the halifax have until 17 dec to reply, then can have another 14 days if choose to defend. do they normally do that?

has anyone ever lost? this site is sooooo positive, i havent read one thats lost yet

[bill-k]

I'm claiming from HBOS currently, and from what I've seen (of mine and others' claims), they've usually taken the maximum time possible to pay out. That's all part of their "war of nerves" approach, I reckon. They know that if they can get us to bottle out before it gets to court, that's their only way of winning, because once it gets into court, they know it's almost impossible for them.

 

There have been a few claims that went to court and lost, I believe. I think if you can demonstrate to to the bank that you really haven't got a clue, or really can't be bothered to make an effort, then they'll jump on that and let you take it in, knowing they'll get your case thrown out. There was also one recently which was well researched and presented, but lost on some weird underhand technicality. I believe the claimant is NOT leaving it at that, though !! Such is the positive help of these guys here.

 

CRAFT !!! - If I can remember who this was, I'll get back here with it.

 

Can anybody else help on this ?

[smcgall]

the claiment who lost on a technicality was lickthewallfatboy but he didn't actually lose he just had charges reduced to £12. You are right he is contesting result

[bill-k]

the claiment who lost on a technicality was lickthewallfatboy but he didn't actually lose he just had charges reduced to £12. You are right he is contesting result

 

Aaa, yes. Cheers, smcgall. I should have read that more closely than I did. Must get back to see how LTWFB is doing.

[smcgall]

a click on the scales is as good as a wink:wink:

[bill-k]

a click on the scales is as good as a wink:wink:

My apologies - do forgive my inconsideration there, smcgall. I often need reminding that "What goes around, comes around" applies to things we do, as well as things we fail to do !!

[bill-k]

...so it does !!

 

Bless you.

[WILKINSS208]

well halifax have until 14/12/06 fo rme then will issue letter to them if they havent responded. i hope they do

[bill-k]

well halifax have until 14/12/06 fo rme then will issue letter to them if they havent responded. i hope they do

They'll probably lodge an Intention to Defend, giving them another 14 days, during which time they'll hope you bottle out. They (HBOS) did that with mine, but I just got a letter this morning saying they'll pay up in full. Admittedly, this is less than £200, but shows they generally have no intention to defend whatsoever. They just want you to think they do.

[WILKINSS208]

Hi everyone

I am at the court stage and the halifax have until the 17 December to reply. However, they have just rang me and said they will only pay me £879. I have claimed back to 1991 (i know its only 6yrs but worth a try). Anyway, she said I was claiming £2375 and this amount was wrong. She also said since my claim went in on 28 November I can only claim from 28 November 2000 - I started this claim in July!!!!

Anyway, what do I do??? I told her I wasnt happy with answer and said I would think about it. I feel I should have more than that - are they trying to soften me up?

[callumsgran]

You have to be very careful here you may lose the lot!

You are entitled to claim back to july 2000, as you started your claim in july this year!

I wouldnt try going for the full claim back to 1991 or you could lose everything, i will pass your details to someone who may know more about this ok?

[WILKINSS208]

thank you i would appreciate it.

really need help here

[WILKINSS208]

You can argue the toss for the pre 6 years stuff, but for the moment the 6 years will run from JULY - when you first told the bank you intended reclaiming your charges - ie from your Data Protection Act letter. What are the breakdowns of amounts

 

1991-2000

July 2000 - Nov 2000

Nov 2000 - current

 

just for an idea how much effort you want to put in to the pre 2000 bits

 

 

Following your request I have detailed the amounts below:

 

1991-2000 charges £920.00, interest £640.84 = TOTAL £1560.84

 

July 2000 - Nov 2000 charges £75.00, interest £37.14 = TOTAL £112.14

 

Nov 2000 - current charges £626.00, interest £120.94 = TOTAL £746.94

 

PLUS COURT FEE £120, SAR FEE £10

 

Hope that helps!

[Aaronsdad]

Just bookmarking this thread, because it may be handy for me.

All the best with this one. I will keep an eagle eye on it!

 

A D

[kevcam]

Hi,

 

I successfully claimed back more than ten years from Halifax.

 

I think if you stick to your guns they will pay you out.

 

Has a court date been set?

 

If so when is it? And have you already submitted your court bundle. You will want to include the Limitations Act which Karnevil is referring to and refer to this in your skeleton argument.

 

I believe they are calling your bluff as the Limitation Act is clear that the 6 years does not begin to run until the claimant has discovered the concealment.

[WILKINSS208]

so what do I do. If I accept this amount as part payment, should i press for the rest in court?

im really scared now, havent a clue what I am doing

[cheddar]

Did you include anything legalese regarding post 6 year charges in your particulars of claim ?

 

Answer this question and karnevil may be able to help you.