Taximan v Halifax

[taximan]

Hi

Just sent off Data Protection Act Request, sent it recorded to address on Trinity Street Halifax, I started adding charges from statements and it appears they may owe me a few thousand pounds.

Will keep you informed of how things progress here.

How long do they usually take to respond to Data Protection Act request?

[taximan]

Got a letter today saying that HBOS has 40 days to reply and that I will receive DPA by 29th Dec.

[Springer]

That'll keep you busy into the new year!! Maybe ask Santa for a pack of highlighter pens!!!

[taximan]

What do you mean, do you think that they wont respond in time.

By the way I sent in a cheque for £10 from another account and it has been cashed.

[Springer]

No, sorry to cause alarm!!!

 

I just meant that if you receive your bank statements on 29th you will have a nice time going through highlighting your bank charges!!

 

All the best and keep us posted.

 

xox

[taximan]

Received My Statements today and am shocked at how much they have taken its over £5,000.

they took over £300.00 in one week alone. seems like they are taking the mickey when you look back, they even started to lump the charges together at one stage I.E Charges as notified £78.00

 

Unbelievable.

Anyway I am just checking my addition before I send the lettesr before action..

 

 

Keep you all informed

 

Taxi

[Didge]

Taximan,

You send your preliminary request for payment letter first - just being picky:)

[taximan]

Sorry I meant to say the preliminary request for payment letter not the LBA.

Anyway I am just about to post it now then wait the 14 days and see what happens ..

[taximan]

Hi

First of all i would like to say thanks for all the info on this forum, the letter templates provided make the whole process very easy and straight forward. I have received an offer from Halifax.

I sent of my LBA on the 28th and recweived an offer by return on the 30th December .

I have been offered £3900.00 and my claim was for £4870.00.

Do I need to respond to this offer or do I just send off the court claim after the 14 Days has expired.

or should i write in accepting their ofer as partial settlement.

 

Thanks

 

Taxi

[Didge]

When I was offered about 50% of my claim, I sent the rejection of settlement letter off to them - felt that it might spur them on to offering more before the 14 days were up and court time.

It didn't - will be filing my N1 tomorrow (as long as there's no huge queue of other claimants in my lunch hour!) but I just thought that I should respond to show I am entering into a correspondence with them and not just charging into the court without giving them the chance to up the ante.

[taximan]

Hi

I am now ready to submit my claim I wish to use moneyclaim but how do I attach the details of charges to this.

Has anyone used moneyclaim any advice much appreciated.

Thanks

[taximan]

Well I sent off my claim today on the moneyclaim site claiming £4990 intota

had an offer of £2500 hope I am doing right thing sometimes I wish I had accepted offer, Help Im lookin for reassurance..

[hillards]

To do the last two posts together - MCOL require you to submit a claim, which you've now done. You have sent the Hx a copy of your schedule previously, so they are aware of the claim and the amount. If you've updated this then you should send them a new copy - if you put new charges on since the last copy for instance.

 

Some people say you should send copies of the schedule to MCOL by post, you don't need to at this stage. Only if the Hx put in a defence, and it's moved to a local court, would you have to send the supporting documentation.

 

It's now a waiting game, you've made your claim and have to wait for the time to run through. If Hx are true to form, they'll file a defence, but then pay up in full.