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Wilkins vs Halifax ***WON***


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thanks just wish it was over but should hear something soon from judge. hopefully before court hearing on thursday

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Wilkins I've just read your thread it's 10 o'clock in the morning here & I'm absolutely drained! I have been ready to throw the towel in with you then ready to fight on I know exactly how you have felt as so many of us have never had any dealings with courts, legal people even the police I don't like arguing with anyone let alone the Halifaxs' Barristar! But you must feel so proud of yourself to have soldiered on & with such wonderful support & help from all these guys ,it surely can't go on much longer I'm just behind you filling in AQ for 2 years beyond 2000 which they are defending as in your case

Good luck mately chin up:)

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Wilkins I've just read your thread it's 10 o'clock in the morning here & I'm absolutely drained! I have been ready to throw the towel in with you then ready to fight on I know exactly how you have felt as so many of us have never had any dealings with courts, legal people even the police I don't like arguing with anyone let alone the Halifaxs' Barristar! But you must feel so proud of yourself to have soldiered on & with such wonderful support & help from all these guys ,it surely can't go on much longer I'm just behind you filling in AQ for 2 years beyond 2000 which they are defending as in your case

Good luck mately chin up:)

 

 

Good luck with yours too moses.

 

Where abouts are you then?

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Wilkins,

 

I have given the same something serious to think about today. 14 days and counting. 'One dog, one bone'. They can only deal with those they have resources for. I can't understand that they are laying off staff in Manchester and employing foreign call centres when they have a severe problem internally. They are then claiming that they haven't got the staff to deal with the sheer volume of claims.

 

They made sure they had the staff to enforce their false claims.

 

Stick with it, you have support.

 

Tide

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Wilkins,

 

I have given the same something serious to think about today. 14 days and counting. 'One dog, one bone'. They can only deal with those they have resources for. I can't understand that they are laying off staff in Manchester and employing foreign call centres when they have a severe problem internally. They are then claiming that they haven't got the staff to deal with the sheer volume of claims.

 

They made sure they had the staff to enforce their false claims.

 

Stick with it, you have support.

 

Tide

 

Makes you wonder how many people not using CAG are accepting the 8 week nonsense. dpick:-x

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Exactly :mad:

 

Good luck wilkins, hope it all works out

X

Tippety toeing where angels fear to tread .... :o

 

Hey and I thought of that all by my lonesome :cool:

 

1st Data Protection Act letter Halifax - 30th Sept 2006

 

Non compliance letter sent 23rd November 2006 :mad:

 

Preliminary request for repayment sent 11th Dec 06

 

Reply from the Halifax stating that they're investigating my concerns!!!.... Rec 15th Dec 06

 

LBA sent 30th December 2006 :mad:

 

Offer from Halifax of £814.00 - 5th January 2007

 

Rejection of Settlement Offer - 6th January 2007 ;)

 

Papers filed at Court - 29th January 2007

 

:) Settled in Full, 16th March, 2007

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still nothing from court or halifax and court date next thursday

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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well, something from court today:

 

i have received a copy of the applicatio notice the halifax submitted to the court on 7 march. it says:

 

We DLA Piper UK LLP on behalf of the Halifax Plc (Who are they??) intend to apply for an order that the claimants claim be struck out, pursuant to CPR 3.4

 

because, on a without prejudice basis the defendant has settled that part of the claimants claim, which is not statuted barred. The balance of the claim, is in relation to bank charges, which were incurred more than six years prior to the issue of proceedings and therefore pursuant to section 5 of the limitation act 1980, are statue barred.

 

We wish to rely on the following evidence in support of this application:

 

I Andrew Wilson Horton, Fellow of the Institute of Legal Exzecutives and Associate with DLA Piper UK LLP state:

 

I have care and conduct of this matter on behalf of the defendant and I am duly authorised byt he defendant to make this witness statement upon their behalf.

 

I refer to the claim in relation to this matter, and the defence filed by the defendant.

 

I would refer the court to paragraph 5 and 6 of the defence i which the defendant advised the court that the claimant has without admission of liability refunded to the claimants account the sum of £879.88 being six years worth of banking charges, together with interest and relevant fees.

 

In my submission the balance of the claimants claim is statute barred pursuant to section 5 of the limitation act 1980 which states that an action found in a simply contract I cannot be brought after the expiration of six years from the date on which the cause of action accured and accordingly I submit that the remainder of the claimants claim is statue barred as the cause of action accured, when the bank charges, were applied to the claimants account.

 

 

Now what do I do???

 

The Court have answered:

 

NOTICE O

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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NOTICE OF HEARING:

 

22 MARCH AT 10AM

 

Does this mean court havent let claim be struck out or will it be discussed in hearing?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Hasn't been struck out at all...merely means you'll both have to attend on the 10th to give your sides of the story. How much of a difference in money are we talking Wilkins...for the claim pre and post 6 yrs?

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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£1875

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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what do you think? Im nervous now

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Don't be nervous hun, we're all here for you...what's the £1875 figure? What I'm asking is how much are the charges over 6 yrs and how much are the charges within the 6 yrs?

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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1990-2000 £1875 including interest

2000-2006 £879 including interest, court fees, SAR fee

 

I cant believe got to the stage and dont think i can stand the court hearing, do nervous but dont want to drop it.

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Wilkins, this is exactly what they want to do..bully you into submission. My understanding is that they haven't paid you anything yet? Not even the partial payment of £879? They made that mistake with me where they were insisting to the court that the claim within limitations was settled, when in fact they'd never paid me at all.

 

Anyway, I'm in the chat room for a bit if you want to pop in....it'll be easier to chat about this and put your mind at ease...see you in a few :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Wilkins you need to be prepared to argue your side and you would be advised to read through taylormandys thread.

 

I suspect they wil turn up and try the same tactic.

 

Have you accepted their partial offer? if not have you rejected it formally?

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Wilkins, when you get back from the school run (!) please pm me and we'll catch up again in the chat room. :) Glenn has also pm'd you on this.

 

All is not lost my friend....the game is well and truly on!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Tanz

 

We have found a jolly wheeze to help wilkins and put her in a much stronger postion, dont want to go into any details yet.

 

It will be fun and puts the pressure right back where it belongs.

 

glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Tanz

 

We have found a jolly wheeze to help wilkins and put her in a much stronger postion, dont want to go into any details yet.

 

It will be fun and puts the pressure right back where it belongs.

 

glenn

 

Let me know when the time is right I would be interested in this.

 

Tanz

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ok im back, let me know where you are

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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