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    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject.   My original  CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  So at a loss as to why the sudden loss of response from them.   Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.  
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
    • Have you read our upload guide [click on the word] for advice on how to post up documents? Pdf files are best, jpegs won't be accepted. HB
    • Sunak's already had enough of travelling like the little people. Rishi Sunak flies back from Devon by helicopter after gushing about 'great' train travel - Mirror Online WWW.MIRROR.CO.UK Rishi Sunak told broadcasters: 'The train was great, I've been taking lots of pictures and videos' - but he skipped the 3-hour, £55 train home in favour of...  
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Taking on the Halifax for £3000


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Hi, thanks for the great site and helpful advice.

 

I'm setting out to reclaim over £3,000 in charges taken from me by the Halifax since January 2001.

 

In order to get things started, I went into my local branch last week and simply asked the girl at the counter for a complete list of all the penalty charges that have been taken over the past six years. She briefly consulted with her superior, a frightful old dragon that I've dealt with before, and then wrote down my address and told me she'd sort it out. I have to admit I was sceptical, and anticipated having to go higher up the food chain.

 

To my surprise I received a large bundle of envelopes in the post less than a week later, containing a full set of duplicate statements dating back to January 2001. Not quite the six years I'd asked for, but good enough.

 

I sat down with a cup of tea, a highlighter and MS Excel, and added up all the charges they'd had off me over five years. I knew it was a lot, but I wasn't expecting the total to come to £3,223!

 

I've just completed the preliminary letter from this site's library and printed out list of charges and total from Excel, and I'm going to send it off just as soon as my CAG labels arrive.

 

I'm very encouraged by the account by Martin3030 on the "Success Stories" page. It sounds as though his circumstances are almost identical to mine, so hopefully I'll have a similarly successful result.

 

Thanks again for your help; wish me luck!

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Hi, Cliffsmith.

 

Looks like your heading in the right direction.

 

Best wishes with your claim.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...

I received a reply from the Halifax on January 30th, the usual "I am sorry to learn that you are unhappy..." form letter that other users have reported receiving, stating that they will respond within 4 weeks. Since it is now more than 14 days since I received this letter, with no further response from the Halifax, should I now go ahead and send the Letter Before Action?

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Hi

 

Firstly start a thread in the Halifax forum as this means you will get ppl whoi have dealt with Halifax on hand to answer your questions.

 

Secondly...read FAQS thouroughly so you have a good idea of what the process is.

 

Thirdly...send the LBA once the time schedule you have set up has expired

 

Good luck

 

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