Halifax rolling over

[podgydad]

Sent preliminary letter,

Got 6 years worth of account/charges info via DPA request

Sent letter before action

 

Now making the court claim, which address should the summons be sent to?

[richardc]

Can be either the Head Office or your branch. I put my branch and had the pleasure of serving it on the manager in public

[BankFodder]

The Brach,

Are you ready for this if they defend and it goes to court?

Do you know how you will handle it and what you will say?

[podgydad]

The Brach,

Are you ready for this if they defend and it goes to court?

Do you know how you will handle it and what you will say?

 

Well I wouldn't issue a summons if I wasn't prepared to go to court ;-)

 

I Actually hope they defend it, thanks to this wonderful resource I feel I will be more than able to present my case, I'm almost hoping they try to defend

 

Thanks again for a great resource.

[podgydad]

I have now added this to the FAQ - I've seen it asked about 7-8 times - therefore it warranted going in there.

 

Thanks.

 

Thanks, I must have missed it. I actually sent it to the address that was on the reply telling me they wouldn't give me my money back, which is Trinity Road. Is this going to be a problem.

 

Also, while I'm at it, when you are on the moneyclaim site and it asks for the figure you are claiming, do you include the interest in that figure, as when you click on the button to indicate you will be seeking interest it inserts some text in to the paticulars box which relates to the interest figure, wasn't sure.

[podgydad]

Got an acknowledgement of service from the court today, the Halifax intend to defend the claim.

 

Oh goody, I hope it gets all the way in to the court room

 

Am I able to ask the court for additional expenses incurred in making the claim such as my time, taking time off work, and the general inconvenience of actually going to court?

[Bookworm]

Doing mine a bit later today, how exciting. let's see who gets their money back first!

Have you pm'd BankFodder or Dave with your litigation details yet?

[BankFodder]

You can claim some very limited travel expenses.

 

Where are your claim details for your litigation section please

[podgydad]

You can claim some very limited travel expenses.

 

Where are your claim details for your litigation section please

 

I PM'd the details to a moderator yesterday, dragon I think it was.

 

Anyway, got a letter through today agreeing to refund the charges, plus interest & costs. However, I made a bit of a boo boo on the claim and instead of paying me £3340 they are paying me this minus the interest, so instead of paying me £3766.19 they are paying £2913.81 plus £426.19. Shall I write to them asking them for the additional amount?

[podgydad]

Claim filed on the 7th, acknowledged on the 13th, settled today. A VERY happy bunny

 

I encourage everyone to see this through, its worth it in the end.

 

Thank you to everyone who set up this site.

[Natasha]

Congratulations!!

[Sliv]

Well done

[colour-me-happy]

Good for you!! Well done.

[Guest Alison82]

How much did you get if you don't mind me asking?

[podgydad]

How much did you get if you don't mind me asking?

 

£3340 plus court costs, but due to an error on my part this figure includes interest when its supposed to be another £400 odd.

 

So I'm writting to them accepting the amount but requesting the addirional interest

[kaz]

Hiya, Congrats!!!!

 

Its posts like this that keep me going and feel less anxious about the whole thing

 

Kaz

[Natasha]

Hiya, Congrats!!!!

 

Its posts like this that keep me going and feel less anxious about the whole thing

 

Kaz

 

 

As time goes by you'll prob see alot more of these types of posts.

[podgydad]

http://www.macassist.co.uk/forums/forum_pics/IMG_6073.JPG

[Sliv]

http://www.macassist.co.uk/forums/forum_pics/IMG_6073.JPG

 

Will you be framing this?

 

Direct line to their legal department noted

[podgydad]

Thank you for your letter dated the 15th March

 

While I appreciate you refunding me the ----, ---- in interest, and £120 for my court fee that you illegally took from my account, this figure is incorrect. The amount claimed was ---- PLUS £---- interest, it would appear as though you have regarded the interest as part of the £---- claimed in charges. I have enclosed a printout of my spreadsheet for your information. I would request that you now pay the interest in addition to the £--- already returned to my account

 

In your letter you also denied any liability and informed me that it was my responsibility to keep my account in good order. While this is a reasonable expectation, it is also a reasonable expectation to expect my bank to act within the law, and not to blatantly profiteer at the expense of its poorer, or temporarily disadvantaged customers.

 

You also state in your letter that you reserve the right to close my account if I incur any more of your illegal charges on my account. Are you saying that if you can’t operate my account in contravention of UK law you will close it? I think if you did this, we would find ourselves back in court.

 

Hopefully the OFT will make a ruling that your charges are unfair, and you will be forced to make your profits legally in future. I have never had a problem with being charged, its simply the level of charges I object to.

[podgydad]

Due to a cockup in my claim, I've lost out on the interest of about £400, this was a mistake on my part not including interest in the total figure.

 

I have not formally accepted their offer although they have placed the money in my account.

 

Is there anything I can do?

 

I also asked for charges that had been made to my account since the claim was made to be refunded, they have declined to do this also, do I start another action.

 

It makes me so mad that they are blatantly breaking the law and act in such an arrogant manner, why is it that if an individual steals billions they go to prison, if a bank does it, nothing happens?

[richardc]

Can you post this in your original thread please.

[podgydad]

I recently won a substantial amount from the Halifax, most of it went to repaying debts. Since I won in February, they have made imposed another £450 of charges against me.

 

I called them to discuss this, and they say if I make another claim against them they will give me 30 days notice that they will close the account. I have a second account with Natwest to fall back on but will obviously lose the £1000 overdraft facility in the Halifax account.

 

Opinions/advice?

[colour-me-happy]

Would they accept an arrangement to pay off the overdraft?

[insomniac]

If they now owe you £450 I would take all your money from the account and leave the overdraft £450 overdrawn.

 

That way you already have the £450 they owe you, and if they wish to close your account you can tell them they can but they cannot file a default against you as the amount is indispute.

 

I would like someone else to validate that information on here, as thats what I have come to believe from other posts i've read.

 

It certainly helps you as you can credit your Natwest with £450 to help with bills etc and leaves the Halifax in a no win situation.