Royal v Halifax come on monkey boys

[geraldine]

Hiya all, I have got very excited about this site and sent off dpa letters yesterday. We have been charged in the realms of about £4000 over the last 6 years.... We could really do with this money now, as in so much debt still. Just one question because I have read loads and loads of threads and cant find anything. My partner is a bit worried now because we have our mortgage with the Halifax, is it possible anything could happen there? Might sound stupid I know, just want to put our minds at rest.

Good luck with to everyone.

Geraldine

xxx

[colour-me-happy]

Hi there, I was concerned about the very same thing!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=1140

 

I think the answer is no... they can't recall your mortgage.

 

Good luck with your claim!

[geraldine]

hiya, Thanks for your quick reply, we both feel a lot happier now. Keep getting a bit nervous though, because like you, I think we'll be the ones going to court and having our accounts closed, we have opened new ones though coz thats just our luck, lol.

Cant believe we're actually doing this although we get confident reading all the threads.

Very best of luck to you all

We'll keep you informed

Geraldine;)

[geraldine]

I have sent off my dpa letters to Halifax 3 days ago, looking forward to getting my statements now, lol

We have remembered that about 3 years ago we also had an account with a&l bank, we shut it because the charges were going beyond a joke, we took a loan out and paid it all off, then shut it, Problem now is we have no correspondence at all as to our account number, can we just ring and ask for our old account number? Can we send off a dpa without an account number? Really not sure what do do, dont want to ring them in case they guess what we're up to, sad I know!!!!

Any replies would be very grateful

Thanks in advance to a wonderful site:D

[jonni2bad]

If you write the DPA, giving info of your name, d-o-b and address (especially if that has changed since) then the most they can ask for is evidence of your identity.

 

This should be all you need to get the info you want.

 

Perhaps you could pre-empt the request for ID and include a copy of your D-Licence or Passport...

[geraldine]

Thanks very much for the info, I'm getting square eyes looking and reading, been sat at the comp for hours and hours, lol. I will do what you have suggested and get some more money back. On a roll now, going to do the credit cards as well now;)

Want to wish every one the very best of luck.

[geraldine]

Hiya, I sent my dpa to halifax last week but have now found my statements long story!!!! Do I have to wait for the 40 days to expire b4 sending my prem letter, or can I just send it now that I've got my statements anyway?

 

Geraldine

 

 

Merged threads, please keep to the same one.

[geraldine]

Sorry Lueeze;)

[sean frampton]

If you have all the information you need then go straight ahead with the prelim letter.

 

Good luck.

[geraldine]

Thank you Sean, I just want to get this sooooo right, I want MY money.

[sean frampton]

The 40 days was just a time frame set out by the DPA for them to comply with your request for information.

 

You are heading down the right road with plenty of people here to help and guide.

[geraldine]

Hello, can someone help with this please? I am preparing my premlinary letter today. I have got all the charges etc, What I need to know is, I have charges coming out at the end of the month, can I put those in the letter as well? Or do I have to start again when I have done this claim up to todays date?

Help please......... I have been looking for something similar in the forums for about 3 hours now and cant find anything, so sorry if I have missed it and repeating myself.

Geraldine:confused:

[sean frampton]

I think you will only be able to ask for charges that have actually taken place at the time of your request going in not for ones that you have not received yet.

 

However, when you then send LBA you can quote a new figure for the extra charges.Maybe if you include "and for any further charges that i may occur as a result....." with your prelim letter.

 

A final figure can then be put forward on any court claim that you may take.

[geraldine]

Hello all. Just an update for you. Sent off our prelimanary letter for the 2nd account with Halifax, waiting with baited breathe now, lol:rolleyes: Still waiting for statements to arrive for the biggie account, I hope they have taken loads off us, our guess its prob in the region of £3000, looking forward to getting that back, I can tell you.

My son and daughter are also in on the 'get our money back' they havent got much, probably about £100 each but they are both going on a boys, girly holiday in the summer and it would help towards their beer and kebabs,

Keep you posted

Geraldine x

[geraldine]

Hello all, Had our statements through yesterday, 28 envelopes, lol. The postman is my cousin, not pleased, lol. When I told him what we were doing he said he's never had charges, he's a good boy. Anyway the charges and interest came to a grand total of £2710.52, my god I spent it in my head already, haha.

Along with my other charges of £1077 (sent off prem letter 10th May) on our other bank account, I cant wait. I was expecting more charges on the 1st account and was quite disappointed it only came to that amount, sad I know. My son and daughter and Mum are all doing theirs now as well, sent off their DPA's. Not much about £100 each on my sons and daughters but they are both going on holiday (not together, with their mates) so thats more alcohol they can have!!!! Still waiting for statements off A & L, more money to spend;) Will keep you posted.

[jonni2bad]

Well done so far!

[geraldine]

On our statements it said Collection £40 quite a few times over the years, Does any one know what they could be???

[geraldine]

Hiya all, Just an update, the 14 days deadline is up for the prelimenary letter to Halifax. Haven't heard a sausage from them. Just typed and signed and put in an envelope ready to go my letter before action. Probably wont hear a dickie bird from that letter either... I'll let you know in 14 days or sooner if I hear any thing, hopefully.

[jonni2bad]

Don't worry - they didn't respond to my Prelim. Got 2 offers after LBA, but they will 'regret' not paying up tomorrow when they are served with my court papers.

 

Holding out will now set them back a further £830.

 

Stick with it - and don't accept less than EVERYTHING

[geraldine]

I've read loads of threads and wasn't really surprised that I havent heard any thing. We are holding out for ALL the money, no half measures. We haven't worked out yet how much extra on the 8% if we have to file a claim. Another week and the other LBA goes off, coz we haven't heard off that one either!!!! Never mind more in the bank for us. Since I sent off my 1st prelim letter, I have had another £198 charges which we have added onto the LBA letter.

Good luck with your claim and I'll be watching your claim.

Thanks for the encouragement;)

[geraldine]

Hiys everybody, I recieved a letter from Halifax this morning offering £180 as a full and final payment....... I am claiming over £1000 so I think you already know the letter I sent back to them, I'll hold on for the next offer now, and refuse that as f&f payment as well. I'll let you know of any more developements, hope all your claims are going well..

[geraldine]

Hiya Everyone, I haven't been on here for a while, long story. Anyway my mcol is showing as acknowledged on the 14.6.06. I received a reply from halifax claiming they will be defending in full, yikes!!! but reading the threads I'm not really worried coz some of your cases filed at the same time have been paid in full already. I'm ready to go to court been reading and reading and reading just in case, but I'd rather not go, lol. We are having some money troubles at the mo, like most of us on here, I hope they pay before the end of June coz haven't got the mortgage money this month!!!! I've been laid off from work about a month ago and struggling to get any decent work at the moment, just temping.... Our car is going to be repossed and my OH is a taxi driver so he won't have any work either, just gets better.. Thank god hes got an HGV licence as well so he can pick up some work at least. My daughter has got us a cheap car on hp just to get him back and forth to work, coz we couldn't get one on credit and didn't have cash to buy a car. Surely it should be the other way around and us buying her a car!!!! something wrong there..... Hopefully this money will come through quickly then we can file our other mcol for £3000 and set our selves straight and never be in this position again, god its so worrying. I know there are plenty like us and some in even worse situations. Well I'll let u know when I get the refund, then I can relax a bit.

[jonni2bad]

You'll be fine - just sit tight and wait for them to settle.

 

If you need encouragement, let me just say that they agreed to settle my claim (at least for the money) in full today with no defence. I'm sure yours won't be far behind

[pmhread]

Best of luck and keep checking your bank balance. They paid the money into my account before they even told me they were throwing their hand in. The letter arrived the following day.

[geraldine]

HIYA, Thanks for the replies, we first got into this mess coz of csa (dont start me on that) and court and solicitor fees for OH to see his daughter. We just kept paying courts and solicitors and let other things slide coz daughter was our priority, OH took up taxi driving to avoid the incredible attachment to earnings they made when he was a lorry driver. Not saying that he shouldn't pay but they left us with £180 a week to keep a family of 5 !!!! I was on materity leave so had basic wages...anyway enough of my moaning, lol things are finally looking up and yes I keep checking online to see if Halifax have put money in, driving myself mad now coz doing it bout 5-6 times a day, lol.

Thanks for the encouragement, if it wasnt for this site we'd be knackered. Really good to see so many others getting their money back, well done. Mine will soon be reading SETTLED IN FULL.......