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    • There are example threads where AOS is done but defences are submitted late, it happens, sometimes because MCOL is broken! As the claimant you will be able to reference a late filing and request it be struck out for not following Court Directions, for example if the defendant arrived at court with it on the day without submitting... but I believe there is some (slight) wriggle room for defendants (reasons depending) on late defence. I believe you just need to continue your claim, no defence and not following court directions will almost certainly strengthen your case
    • I'm afraid it's against site rules to recommend lawyers. You could look on the Law Society's Find a Solicitor page for local firms with the right expertise, or google nwnf lawyers in the uk, then check out reviews on social media, review websites and so on, to see how other people rate them. If they say they don't do nwnf, I would ask if they know a firm that does. 403 - The Law Society SOLICITORS.LAWSOCIETY.ORG.UK HB
    • Thanks for that information. I seem to think they have similar names and similar addresses and I thought it was Aldi that was offering the great deal that attracted you to that car park. So we are still stuck with Nexus. Please do not call DCBL about a settlement figure.The first reason is that they have your telephone number which is not something you want to give to those vultures as you rightly call them. They will then harass you on the phone and try and send you last minute details the day before the case -which they shouldn't do. And second they are already charging you £60 to £70 more than they should lawfully, to that they will then add the Court costs that they haven't yet paid or incurred and then say that they will give you this great offer of £150 to avoid going to court.Big deal-not. Were it around £50 that would be a better deal but they would not accept that.   
    • Hugo, how are you getting on? the deadlines can creep up on you. It's useful to have a week or two in drafting a defence, so you can understand it for yourself before submitting. Read other like threads for examples and tailor to suit you. Get one drafted and posted (without personal info) and let us take a look
    • OK thx jk2054 I'll go that route, does anybody have any positive reviews of NWNF law firms they've had experience with? I did consider InjuryLawyers4u, but apparently they're more of a broker, & who you end up dealing with can be hit & miss.  Would rather try & get a sharp firm that are on-top of things if possible.   
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Mr Zippo vs Halifax


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hello , thought i would make a thread in here incase i need help along the way... i sent my SAR off on 15th December and yesterday received a letter of acknowledgement, which gave me the encouragement to get ready for Barclays too , i will send the SAR off to them on Monday as i am now at work when i get a letter back from them i shall start a thread in the appropriate forum ....... and so ... good luck to me ;):D:p

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Good to see you zippo,

U dont need luck, and you will have plenty of help on here. :)

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hey seaside lady thankyou for the encouragement.... and good luck to you even if you dont think its luck we need :)

 

 

 

well my statements came through the post today :eek: .... and i must say i am shocked (i need a more shocking word than shocked) to say the least it appears that within 4 years of opening this account i have paid £5275 in charges :shock::shock::shock: so i guess i wont be in the small claims court.

 

 

and about my request for help .... here is my first question do i also claim the interest they debited ? or just the charges as notified ?

 

i also got my aplication form through to open a natwest account . not very often the postman brings good things now is it ? :D

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That is about the same as my claim. But i have done it just as normal so far, even up to the court.

Here is the link to my thread so you can see the pickles i got myself in to lol.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/43327-posted.html

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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hello again .... i will go have a read through ... may save me asking questions :)

 

 

 

well i finally got through the spread sheet and printed the PAR . so it's all in an envelope ready for the post office in the morning :)

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  • 2 weeks later...

:D

 

well i had a phone call yesterday from the Halifax , they started out offering me half the amount, then pushed it to £4000 to which i stated i have been doing my research and it's quite apparent that they're evidently paying people the full amount and so i would be holding out for at least £5000 . The same guy called back 5 minutes later to tell me that they are going to give me the full amount back - and they will be sending the form out for me to sign and complete

 

so we have one happy bunny right here

 

:D :D :D :D :D

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OMG Mr zippo thats fantastic,

 

I have just requested my charges over the last 6 years from the Halifax. I am hoping it goes as well as your claim..

 

Fantastic and a MASSIVE congrats! :D8-)

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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Thankyou AtMoSpHeRiC and good luck to you ;)

 

 

well i received the offer by post on Saturday , signed and returned within half hour :D ... no clauses in it or anything :)

 

So i should have the money within 10 working days :cool:

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