jaxads v Halifax!!

[jaxads]

Good luck Reeta

 

I've just spoken to the guy at the Halifax. The letter they sent me still stands!! He said that letters that have already been issued offering a refund still stand, but if no refund is offered they won't budge. All is on hold until after the OFT case.

 

If that is the case, then shouldn't the banks suspend all charges in that time too -- or at least reduce them to say £5 for this time. How can we bring that about.

 

As Kev the teenager would say ........."its sooo unfair"!!!!!

 

Will have to proceed to MCOL now, but having just come back from hols, will have to wait until payday before i can do it!!!

[1rnold]

Hi

thanks for that. I had a refund offer in february for partial which I rejected but I am wondering if to accept that now even though I have done the MCOL bit which they said they are defending as they did not reply initially so I entered a default but MCOL system was down that weekend so the paper records crossed over I think in the post. My case was this stage and then they announced the Test Case. I may just wait and see what Halifax are doing and stating in thier defence. I am moving house and could do with this money. I think I may just send a follow-up letter with a schedule again and see if this puts pressure on them to cough up...I managed to get £141 out of Abbey for my son (he is only 18 years old) and that was a lot of letters but did not reach the schedue as in the end they refunded as a 'gesture of goodwill'. Just calculated that Natwest owe hubby £965 in charges as that took its time with them sending the statements.

Good Luck

Reeta

[emmaf01]

If you are going through mcol, they will send you an allocation questionaire, which you complete (see templates). Don't worry about court bundles until this step is completed.

[1rnold]

Hi All,

Son just rang me a work to let me know that he had to sign a recorded delivery letter from the Halifax (he's only 11) and was worried it was important. Anyway its not good news. They basically told me that they are going to request a Stay at the court for my MCOL claim as OFT has informed them they can do this in light of the TEst Case (not sure if thats true ) and referred me back to their measly offer of £695 as a final settlement (they actually owed me £3744 without the interest as I had some charges over silly things like not clearing a cheque as I was £1 pound short but then charging me £39 for this). Life's hard enough as a single parent without them acting all high & mighty especially as my wages on into thier bank each month !

THe money would be really useful due to house move. But not heard anything from the court. Any ideas' what I should do? Have you heard anything about your cases?

thanks

Reeta

[1rnold]

Hi

JUst readon another thread not to pursue any claims via MCOL at the moment but N1. Not sure what is going on. I wish I had the confidence to do this earlier like last year..............:o

[sea-sidelady]

If you have already filed mcol, then please read very carefully the advice that is here.

Follow it exactly.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

[jaxads]

Just bringing this thread up to date !!

 

I didn't do anything back in August last year re the charges. Halifax wrote to say they wouldn't refund so my next stage would have been to file at court.

 

Can I do that now?

 

Or do I need to start the whole process again from scratch?

 

Any advice greatly appreciated - as always

[**Tilly**]

Hi

 

You can file your N1, you might need to amend your spread sheet if you have had

more charges,you can add these right up until the date you file your claim.

 

 

 

 

 

Tilly

[jaxads]

Thanks Tilly - I've not actually got as far as filing an N1 yet, so may be yelling for help again soon!!

 

Jaxads x