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sally v Halifax 2 ***SETTLED IN FULL***


sallysas
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Tell me people if you think this is a silly idea.

 

I can file for judgment on 21 March. Just wondering if it would be an idea to call Halifax just before that and suggest they settle to save me the bother/them the aggravation of having the baliffs calling on them. Now I live in Beautiful Birmingham - where Howard comes from..... Supposing I suggest that I ask for the baliffs to go to Howard's branch with the media in attendance. Go on -tell me this is stupid and I can't specify which branch the baliffs attend. It's a lovely thought though................

 

Might be worth calling and being polite though.

  • Haha 1

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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Hi Sally,

I've not been in the Halifax forum for a couple of weeks, so haven't been checking your thread - I an't believe that you're still waiting... :confused:

IMHO, I'd give them a call. I did and got a negotiated settlement of the full amount. Just remember to be polite and courteous at all times - I was and it worked.

I would suggest that when yo call them, just ask if there is any furter pdate regarding your claim. Whoever you speak to will probably put you on hold and finally come back to you and tell you that there are no updates. At this point I just tahnked the woman on the phone and asked that the file was updated with the information that I had filed at court - shealso said that she would e-mail a customer relations manager in the hope that it may 'gee them up a bit' - her words, not mine.

90 mins later, I got a call and was offered approx 60% of my claim - upped to 100% + costs + 8% s.69 interest.

I'm sure that many people will advise you to let it run, and others willsuggest hat you make the phone call. At the end of the day, the decision will be youre, I can only tell you how it worked out for me..

Survivor :cool:

If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just to bring you an update. Survivor, it seemed like a cunning plan, so I rang on Tuesday, asked about progress and reminded them that I had filed at court and would file for judgment next week. Whether this had any effect whasoever we will never know, but

 

 

I've won!!!!!!!!

 

Letter arrived in post this morning saying it wasn't worth their while 'on a purely commercial basis' to defend so they would be refunding £4187.74 within 5 days. We checked and it was there. Been on cloud 9 all day particualrly as I had overtime to do. Will make a donation tomorrow. Thank you so much for all the encouragement and help along the way. I suppose I had better let the cour know.

 

But there's more............. There is £350 showing on statements outside the 6 year rule. Will be going after that next with contractual interest. Am I evil?87.ett

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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FANTASTIC...!!!!:D :D :D :D

 

 

Thats brilliant. I am sooooooooooooo chuffed for you.

 

So whats first on your spending list?? :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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We've just got back from a balti.......... Does that count as No. 1?

 

Going to Matalan tomorrow to stock up on some clothes, buy tickets for Cropredy folk festival and check out ISAs to invest £1000 towards Italian holiday in 2010 when Sarah has finished her GCSEs. Sort out central heating problems, make a donation here and just TRY and calm down..............

 

Oh yes. Pay £1000 off my 2nd mortgage so I can then complain about their unfair charges.

 

I've got a bottle of Disaronno to try sometime. Feeling a bit tooooo tired now after doing 7 hrs overtime on cloud 9.

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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  • 3 weeks later...
LBA going off tomorrow. If the information I obtained from the courts yesterday is accurate I will be filing 2 claims for free when time is up. Oooohhh perhaps that is too ambitious.

 

Hi Sally

Could you give me Halifax Card address in England to send LBA I have send 1st letter to Fife no reply.

Thanks;)

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It is the trinity road address.

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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After 40 days elapsed with no sign of my data I sent a non-compliance letter to :

 

Stephen Webster

Head of Customer Services

Halifax Credit Cards

Pitreavie Business Park

Dunfermline

Fife FY99 4BS

 

Within 7 days I got a 2 replies one saying they had not received my original letter and the 2nd (which arrived the same day) saying I will get my data by 9 April at the latest. This is later than 7 days but perhaps I did send it to the wrong address as 2nd letter came from HBOS (which stands for Halifax Bank of Scotland) 10 Carlton Street Halifax HX1 2LA. Head office for Bank of Scotland is: The Mound Edinburgh EH11YZ

which is where I shall be sending my N1 if necessary.

 

Hope this helps, Sally

 

ps have you started your own thread yet. I think you should

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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  • 1 month later...

Hi Sally

 

I am just at the stage were I have received my bakn statements from the Halifax and have sent the letter off to claim the charges. Did you have lots of problems at this stage please give advice.

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Morning. If you read mine and other 'WON' threads you will have a much better understanding of how Halifax operate. Every bank reacts a little differently but Halifax were quite easy last time I claimed. Be prepared to have no reaction from them until you send the LBA and then stand your ground. Should they call you don't agree to anything, just tell them politely that you would like everything done by letter as it is likely they will offer you only half what you are claiming. Have you added on 'interest debited - as noitified last month' as it is yours so add it on. If you haven't don't worry add it on to your LBA. You can add on any charges etc until you file at court - and then you tell Howard you want 8% on top.

 

It would be a very good idea to start your own thread. Just go to start of 'Halifax forum' and on left-hand side it will say 'start thread' give yourself a title and start happily posting. Sally

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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