** Anon vs Halifax ** £1500

[givememymoney123]

Hi All,

 

thought i'd log my story on here , as others are doing.

 

I received my statements for the last 3 years (This is since the account was opened)

 

I actually was supposed to be billed £5 for this but have actually had them sent for free !

 

I have just posted my initial letter today (14th) , asking for around £1500 back in charges and interest.

 

Sent by first class so they should recieve my letter tommorow, which would be the 15th November 2006.

 

I am giving them 14 days to respond, so that would take me up to the 28th November to respond.

 

Failing a satisfactory response I intend to issue a further letter giving hem 14 days. If I still haven't received a full refund, I will write telling them I am issuing court proceedings within 7 days.

 

At this point , I expect them to make an offer of about half. I will obv decline , at the end of he 7 day period I will make my court claim.

 

So my LBA should be on the 21st Decemeber..... Lets get them working over Christmas and make them suffer like I did over my teenage years without any money thanks to Halifax.

 

I don't expect to go to court with this, but am willing to if needed.

 

Any advice anyone can give re the above timetable would be much appreciated.

 

I will keep you all posted should I receive a response.

 

Wish me Luck , some money for the new year would be great !!

 

Cheers

 

GiveMeMyMoney123

[Guest bluecloud]

Can I suggest a couple of things?

 

The total number of days from sending your preliminary letter to filing a claim at Court never needs to exceed 32 days.

 

Day 0 - send preliminary letter

Day 2 - latest day that Courts deem letter to be successfully delivered

Day 16 - latest day by which bank should respond

Day 16 - send LBA

Day 18 - letter deemed to have arrived

Day 32 - issue Court claim in afternoon

 

The only requirement is that you need proof of posting - this can be obtained free of charge from any post office - recorded/special delivery is not necessary but using either can allow 2 days to be shaved from the calendar if the letters are delivered overnight.

 

If you stick to this method then your claim could be issued as early as 15th December - this would give the bank ample opportunity to have the refund in your account well before the Christmas holidays.

 

 

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[givememymoney123]

thanks bluecloud,

 

I posted the letter but didnt get proof of postage ?

 

Do you think it's worth me re-posting another copy with proof of postage ?

 

How do I go about that, Do I just ask at the Royal mail post office counter ?

 

Thanks again for your advice, if I got the money before Xmas I would be very very happy ! Last Christmas was spoil due to high charges , and his christmas would be great therapy if I got the money !

[Guest bluecloud]

thanks bluecloud,

 

Do you think it's worth me re-posting another copy with proof of postage ?

 

How do I go about that, Do I just ask at the Royal mail post office counter ?

 

 

 

 

Yes and yes

 

 

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[givememymoney123]

Does anyone have a template for the LBA,

 

I have a template for the initial approach , and all the rest , but not for the letter you send to them before you proceed with court action.

 

Cheers

 

Anon

[Guest bluecloud]

All the templates you will ever need are here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

 

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[givememymoney123]

I have today sent another letter , using a different template and got proof of postage from Royail Mail, So my LBA should be 16th Decemeber ! Fingers crossed I'd get this money before Christmas.

[givememymoney123]

Going by these new dates

 

i.e. 15th is Day 0

 

My LBA would be sent on the 1st Dec , then I would issue a claim on the 17th which is a sunday ,

 

Can you issue them on a sunday ? Or would I have to wait until monday?

 

Which is the cheapest, MCOL or local county court ?

 

Thanks !

 

GiveMeMyMoney123

[Guest bluecloud]

Going by these new dates

 

i.e. 15th is Day 0

 

My LBA would be sent on the 1st Dec , then I would issue a claim on the 17th which is a sunday ,

 

Nothing wrong with that.

 

 

Can you issue them on a sunday ? Or would I have to wait until monday?

 

You can use MCOL 24hrs a day

 

Which is the cheapest, MCOL or local county court ?

 

Both exactly the same.

 

 

Thanks !

 

GiveMeMyMoney123

 

 

.

[givememymoney123]

What if I was to give them no time after the inital 14 days ,

 

Then file my claim against them on the 15th Day ? Thus giving it enough time to get the cash before Xmas,

 

Whilst were on the subject, Can I claim back charges from Credit cards I have paid off and cancelled ?

 

Thanks

[givememymoney123]

Recv'd the Ackowledgement letter , We are sorry etc etc

 

I'm going to write a letter stating this isn't an acceptable response and they only have 9 Days of my original 14 day deadline to respond before I issue court action.

 

Should I mention that if they don't settle pre court there costs will increase significantly as I will claim contractual or 8% interest and also my court fee's ? Put the pressure on them a bit ?

 

Cheers