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    • Unfortunately paying the £185 is the least worst option..   You could apply for a set aside, but not only does it cost more at £255 but you also have to give the judge a reason why you didn't file your defence when you were supposed to.   You could just not pay, but that would lead to six years of a trashed credit file.   Best to take it on the chin and be ready if the same thing ever happens again, when it will be essential to read what is written on the court form and respect any deadlines the court sets (something dx repeated upthread). 
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    • Nope not worth mentioning. Paying them Even 1 penny will let them sink their claws int him for the next 6 years. Don’t fall for their fake threats.
    • Hi @Mwynci The UW threw this into the mix yesterday.    As @BankFodder mentions above they are making a meal of this, given they will be claiming back from the third parties insurer anyway given its a Fully Comprehensive Insurance.  That said they have advised this morning that they need to prove to the TPI that I've been fully indemnified and this plays heavily on the basis I've made a 'careless misrepresentation'. My view is its an oversight on the basis the contract was auto re-newed.    As stated, non fault accident, full liability accepted by third party and police log confirms this, following attendance at the scene so no dispute. Surely my insurer has no liability. 
    • Topic moved to Default Issues Forum.   Andy
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I have done the first bit, got my statementsd, identified charges, hassled Halifax with no success. I have now filled in the on-line court form.


Do I now send a copy of the charges and interest to the Court and Halifax and do I need to send copies of the relevant statements also?


My response from the Halifax came from Customer Services in Leeds so I used that address on the court form - do you think it will be OK.

Thanks, Kie.

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so you haven't sent the Halifax a Prelim.Letter or a Letter Before Action notice either?


i think you need to read the FAQs first, you seemed to have missed out notifying the Halifax of your intentions and requesting refunding charges first.


you've gone too far too soon. read read read FAQs.

S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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I think if he has had a response from Customer Services in Leeds, he will have done the initial letters (I am only presuming though)


The address would be

Halifax PLC

Trinity Road



Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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I'm confused too about whether you have followed the tried and tested procedure. However, we are all here to help each other.

In answer to your question.

You now send, for the first time, a full copy of the spread sheet showing the full interest claimed under S69. Two copies to the court and one to Halifax's solicitors who are named and addressed on the acknowledgement.


A template for you (thanks to Michael Browne)


The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street




Dear Sir/Madam


(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx


Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).


I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully


When you receive the Notice of Acknowledgement send a copy to the bank’s solicitors.


Hope this helps, if not post again and we'll see what we can do!



[sIGPIC][/sIGPIC]"Another charge by the Bank?"


1st Claim (Current account)

30/11/06 WON! £3146.41


2nd Claim (Mortgage charges)

27/3/07 WON! - £277


3rd Claim (Credit card charges)

14/5/07 WON! £300


4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga



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can anyone help me with which spread sheet to use ??????:confused:

statements requested 23rd Nov charged £5

statements arrived 28th Nov

sent first letter claiming £1264 on 7th Dec to halifax

halifax replied standard letter 13th Dec

second letter sent 22nd Dec :p

Halifax sent letter 22nd Dec offering £1087 full & final only £177 short of the full amount:eek:

Accepted the offer on 28th Dec on to the next one.......

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can anyone help me with which spread sheet to use ??????:confused:



May I suggest you begin your own thread then each individual can receive the appropriate help for their claim.

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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