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Technonorm Vs The Halifax (Bring it on!!!!1)

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well...I finally received my statements from the Halifax today (all 20 envelopes worth!) and have submitted my 1st letter, which i found in the templates section. The [causing problems] gits owe me £1,911!!!


Just dashed to the post office to send it by recorded delivery as well. Should i give them any leniency, with it being the holiday period and all? Any help would be great. I'll also keep you all updated.


Hopefully, if this all works out, i'm gonna use the money to backpack around Europe...Im starting to think of this as a 'naughty boys savings account' now!

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Hi Techno,

Stick to your timetable. Would they give you any leniency what with it being the holiday period???? 14 days after 1st letter send LBA, 14 days after that court proceedings.


Good luck and keep us posted


[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Hi everyone


just an update. i received a letter, acknowledging my complaint today.


They say that someone is investigating and will be back to me within 4 weeks. The question i have is: should i send the LBA when the 2 weeks notice is up? Or should i wait for them to process the complaint?


Any help would be great



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Stick to your timetable - they're just trying to raise doubt and cause delay by saying 4 weeks.


If you've not heard from them within the 14 days you gave them then move on to the next stage.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.


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Hi again all.


Just a quick question. I'm preparing all my stuff for court in advance. The only problem i have is calculating the interest that i can claim in the courts.


My question is, I don't have an overdraft on my account, nor have i ever gone overdrawn as a result of these bank charges. Do i just claim the standard 8% APR for each claim?


Any help would be great.


Thanks in advance



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Have you tried:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html ?

Works it all out for you and you can add any charges that get added between now and when you go to court. Up until that court claim, you can hide the 8% interest columns before printing out to send to the bank.


30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed


20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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  • 2 weeks later...

Just a quick update.


I sent my LBA off last week and have still heard nothing back. Getting all my court stuff ready so i slam in a claim on day 14.


In total, i've worked out that, if it goes to court i will receive over £500 in interest! Heres hoping the Halifax are as incompetent as they seem :)

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