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BLUENOSE81HUSKYS Vs HALIFAX ***WON***


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Hi All,

 

I have posted my (Consumer Action Group) Data Protection letter requesting statements along with cheque for £10 on 28th November 2006.

 

Now awaiting.........

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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Good Luck to you too mate, Hope all goes Well!!

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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  • 3 weeks later...

Hi All, what is overdraft interest please and how is that worked out???

 

In letter number 2. prelim letter of approach it says : What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter.

 

So was wondering what i put after plus £xxx bit and how i work it out?

 

Thanks

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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Do you have an overdraft? if not then this part does not apply to you.

In the plus £xxxx you put the interest that they have taken from you, but you can only claim the interest on the money by which you have gone over your overdraft limit I find it hard to calculate and it only adds up to afew pence so I dont bother

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 1 month later...

Had letter Back Saying I had to pay five pounds, I Have finally had some money in my halifax account in which I am £2000.00 overdrawn so Paid the £5.00 2 days ago to FINALLY get my statements. - Awaiting Staements

 

So Standby on an Update

 

Thanks

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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  • 2 weeks later...

Request for repayment of charges - Sent 08/02/2007

From The statements they now owe me £1325.00 + £195.50

if it goes to court so 14 days from 8/2/07 = 22/02/07 for LBA to be sent.

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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  • 2 weeks later...

Recieved letter dated 15th feb :

 

We are sorry to learn you are unhappy with charges etc etc, give us 8 weeks to investigate............

If we cant respond fully to your concerns in the next 4 weeks we will write update of our progress....

 

I think this is standard letter.

 

My LBA is getting sent tomorrow 22/02/2007 anyway as thats the 14 days up.

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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Yes, standard. They have also lately changed the letters to 8 weeks time.

Snowed under......;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

OK, Just Submitted MCOL to Northampton county court 0059hrs so should be issued in the morning.

Claim For : £1413.00 Charges

£202.92 = 8% interest

£120.00 Court Fees

Total =£1735.92

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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Claim Number-********

Charges-£1,413.00

Interest-£202.92

Court Charge-£120.00

Court-MCOL Northampton County Court

Total-£1,735.92

Issued-08/03/2007

Deemed served - 13/03/2007

Bank has til 27/03/2007 to reply

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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  • 2 weeks later...

I just Got back from Offshore Yesterday To find that there was a letter in the door saying that Halifax are offering me £1000.00 unless i ring up otherwise. It will be credited to my account in 14 days. Dated 6th March,

The £1000.00 Gone in But i Have already submitted a MCOL and I still want the lot!

Now What do I do please, anyone????

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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Ok,

 

You need to turn it down, and ask for it to be removed from your account.

 

Use the rejection letter from the templates relevent for the stage you are at.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Ok,

 

You need to turn it down, and ask for it to be removed from your account.

 

Use the rejection letter from the templates relevent for the stage you are at.

 

Thanks, Seaside-Lady Copying and pasting letter number 5 and adding my details just now. NOW SENT RECORDED DELIVERY!

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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  • 2 weeks later...

Just Got Letter Today from Wendy Benn (Review Manager) She Said:- I have returned the form of acknowledgement of service to northampton indicating that halifax intends to defend claim however on a purely commercial basis it will cost halifax money to defend. It is unlikely that Halifax will be able to recover these costs (even if the bank wins) because your claim will prob be allocated to small claims, in which costs are generally awarded.

For this reason without admission of liability, halifax is willing to reinburse £1413.00 in respect of bank charges incurred, together with £202.92 in respect of approx interest, The Halifax will also reinburse £120.00 in respect of the court fee. = £1735.00 - Will be credited within next 5 working days!

 

I DID IT!!!!!!!!!!!:D :D :D :D :D :D

MANY THANKS,

BLUE.

Barclays:

Data Protection letter sent 22/11/06

Prelim approach letter sent £1720.00 22/12/06

Bank offers me £1000.00 to settle 20/01/07

LBA sent 23/01/07

New charges added

MCOL filed £1780 + £310.26 + £120.00 = £2210.26 09/02/07

Court Date Walsall County Court: 17/07/2007

Barclays Case Settled and *WON* before court

Halifax:

Data Protection letter sent 28/11/06

Prelim approach letter sent £1325.00 08/02/07

Halifax Case Settled and *WON* before Court

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CONGRATULATIONS...!!!!!!!:D :D :D

 

Just in time for easter.

 

Happy Spending :p

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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CONGRATULATIONS

 

Don't forget to take the SURVEY....!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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