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    • The employer should consult staff about furlough and ideally they should be transparent about what's happening, but this is all new.   Emmzzi may know more than I do.   HB
    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
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Drewster_UK

Drewster v Halifax ***WON***

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Hi All

 

1st post here, although been reading through loads over the last few weeks. What a great site this is.

 

I asked for my 6 yrs of statements mid December and recieved 23 letters through the post yesterday. I've gone through all the charges and was amazed to find £3,422 worth.

 

I've sent my 1st letter recorded delivery with a print out of charges today to my local branch, they've got 2 weeks to reply as I understand, then its the LBA letter.

 

I'll sit and wait, to see what they come up with.

 

Cheers

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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Hi All

 

1st post here, although been reading through loads over the last few weeks. What a great site this is.

 

I asked for my 6 yrs of statements mid December and recieved 23 letters through the post yesterday. I've gone through all the charges and was amazed to find £3,422 worth.

 

I've sent my 1st letter recorded delivery with a print out of charges today to my local branch, they've got 2 weeks to reply as I understand, then its the LBA letter.

 

I'll sit and wait, to see what they come up with.

 

Cheers

Drew

 

Hopefully a full offer ;) Keep us informed.


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Well that was quick. I've received a letter today from them saying they have passed my letter onto customer relations, who will be in touch.

 

Does anyone one know if customer relations will actually contact me?

 

Regards

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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they do eventually by letter acknowledging your 'concerns with the charges' yeah too right we are!

 

just keep to your timetable. it seems, after reading some of the other threads, that the Halifax are beginning to offer full refunds instead of stretching it out to the court stages............no harm in calling before you do the MCOL bit............see my thread for number or Hillards thread....

 

good luck


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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Hi Folks

 

Just double checking before I send my LBA off tomorrow. Is it the name of my local courthouse i put on the letter?

 

Not heard a peep from the Halifax, since that initial letter, so off the LBA goes in the morning.

 

Thanks all

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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just a little bump before bedtime :D

 

I'm sending it tomorrow morning. So if anyone can confirm it's your local courthouse you put on the LBA that'd be great.

 

Night :)

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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So if anyone can confirm it's your local courthouse you put on the LBA that'd be great.

 

I'm confused the LBA makes no reference to any courthouse. Where were you thinking of putting it?

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just a little bump before bedtime :D

 

I'm sending it tomorrow morning. So if anyone can confirm it's your local courthouse you put on the LBA that'd be great.

 

Night :)

 

Drew

Also confused - what procedures are you following that involve the court at this stage ?

 

Suggest reading a lot more, the FAQ's (http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/) , http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html, other threads - you're obviously going wrong somewhere?

 

The LBA can be found here:- http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html


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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Thanks for the replies - I was using the LBA from Martin's MSE site, I'll use the template on this site instead.

 

Cheers

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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LBA posted recorded delivery this morning - I'll wait and see what i get from the Halifax over the next fortnight.

 

Thanks

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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Hi All

 

Just a quick question : Up till now on both the prelim and the LBA letters i've sent, I've only listed charges for unauthorsied OD, unpaid DD's etc.

 

Is it possible to claim for the interest caused by going overdrawn, these charges usually are around £5 or so each month.

 

If it is possible to claim for these charges, am I to late? Or can I add them on to the mcol, which I file early next week?

 

Thanks for all the help so far.

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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I'd really appreciate it if someone in the know could answer my quesstion above, Id like to get my ammended claim ready before the weekend if it's possible.

 

Many Thanks

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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I noticed on the mcol template - it states the month/year your account was opened - is it vital to put that info, i don't no when i opened my account.

 

Cheers

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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just a quick question : Up till now on both the prelim and the LBA letters i've sent, I've only listed charges for unauthorsied OD, unpaid DD's etc.

 

Is it possible to claim for the interest caused by going overdrawn, these charges usually are around £5 or so each month.

 

If it is possible to claim for these charges, am I to late? Or can I add them on to the mcol, which I file early next week?

 

Thanks for all the help so far.

 

Drew

 

I've just totted the amount up for overdraft interest alone, and it's almost £500, can someone pleeeeeeeeze let me know if i can add this on to my claim, I've not mentioned it on prelim or LBA and i file MCOL on Thursday.

Just a quick yes or no would be most welcome.

 

Thanks

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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This is just my opinion.

 

I claimed for interest accrued by them taking charges out and making me overdrawn. And they paid me!

 

I would amend your schedule of charges to reflect this and then send a letter to Trinity Road today saying, further to my LBA I will file on Thurs the enclosed schedule blah blah.

 

I don't think it matters too much that you haven't mentioned it before because when we file on MCOL we add on for the first time the interest that the spreadsheets work out!

 

A D


[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

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Much appreciated mate - I'll do just that.

 

Thanks Again

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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yes drewster i was also aid out in full by the halifax, you can indeed claim for interest accrued re going overdrawn due to charges Biffa

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Thanks for the confirmation biffa - I received a goodwill gesture letter from halifax today for just over £2000. I've just sent the Rejection of settlement letter back to them, along with a copy of the revised charges.

 

Cheers

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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Hi Drewster, could you tell me what address have been sending the offers etc so I can make sure mine gets direct to the correct dept please?

Many Thanks


Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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I think it's dependent on where u live in the UK - I'm in the North West, so my offer came from Leeds, so i sent my ROS back to the Customer Relations dept in Leeds.

 

Where u from? I'm sure someone here can point u to the correct regional location. If not, sending letter to the Head office at Trinity Road will always end up at the correct place, although it may take a little longer to get there.

 

Regards

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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Hi Guys

 

I'm just filling the MCOL in, ready to submit tomorrow morning. It's a bit of a daft question, but just want to make sure it's right before hand.

 

Where it's asks for "Amount Claimed", I'm assuming I put the whole total, ie including the interest. Is that right?

 

Thanks

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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Drewster

 

That's what i put, the total yes.

Don't forget the £10 for the access request if you paid for your statements.

 

MC

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thanks mate - all sorted - ready for submittal 1st thing in the morning...:D


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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I noticed it says "I will send another copy of the charges to halifax", on the mcol template, have people been doing this as a rule? Will the court need a copy also? If so do you include the 8% interest figures?

 

Regards

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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Well mcol was issued to halifax this morning - i just hope they are a bit too busy over the next 14 days to notice i've served them :D

 

Cheers

 

Drew


02/01/07 - Statements received

03/01/07 - Prelim Sent

05/01/07 - Letter from Halifax, dealing with etc..

17/01/07 - LBA Sent

27/01/07 - Letter from Halifax, Offer of £2062

28/01/07 - Rejection of Settlement Letter Sent

01/02/07 - MCOL Filed

06/02/07 - MCOL Deemed Served

19/02/02 - Halifax Acknowledged Claim

21/02/02 - Notice of Acknowledgement Received

22/02/07 - Schedule sent to Halifax Solicitors

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