halifax is the pits - **WON**

[blinkyblinkyblonk]

Hi Blinky

 

I just thought I would let you know something, I have just been reading your thread, after just sending letter to bank for charges within the last 6 years to be documented and submitted to me.

I was very cautious at first and dubious about wether this would work or not, but after reading your thread you have been a total inspiration to anyone who is contemplating this.

I now know that I will not give up and will get just reward, am so glad you got a result you don't know how many others that result affects and how much of a boost it has given people.

 

Brilliant site, and so many people to give advice.

 

Thanks

 

aww brimden, thank you and yes i was so worried, having never done anything like this b4 always been on the receiving end of threatening court since i was divorced 2 years ago!!! (because of the debt the divorce left me), it was nerve wracking i did have a headache making sure i did everything right, i thought at one point when the recorded delivery wasnt showing as being delivered that they hadnt received the letter before action, and i would be the one going to court because i hadnt given them time to receive it etc etc, and then i did have a laugh with mechs about the page 2 on the n1 court claim form, that was so funny i still laugh about it now. but it had got me so worked up about getting it right i failed to see the second page and also i wanted it to be filed for court action before i went on holiday. oh my god when i think what ive been through it does give you such inspiriation and you feel oddly powerful, that you are on the other end so to speak. I would like to think i have some intelligence somewhere but no where near enough to take on the bank without the help and support and confidence i have gained from this site.

 

long may it continue, in the knowledge that we will not be battered down by banks, and we do have the right.

 

good luck with yours and if i can help anyone in anyway i would glady do so

 

 

xxxx

[wsm36]

Congatulations on your win, here's hoping for the rest of us.

[blinkyblinkyblonk]

Congatulations on your win, here's hoping for the rest of us.

 

 

thank you good luck with yours

[BARRY M KENT]

sorry to change the subject but can anyone tell me do the halifax drag their feet or do they respond quickly put our request for statements in last week

[blinkyblinkyblonk]

sorry to change the subject but can anyone tell me do the halifax drag their feet or do they respond quickly put our request for statements in last week

 

 

hi barry

they do have 40 days to comply.

i already had my statements so cant help you on the statement bit, but

my preliminary letter had an answer quite quickly offering a ridiculous amount, but i heard nothing from my letter before action, it was only the court action that they respond to, they defend the claim, then a week or so later you will receive a letter refunding the charges, plus interest plus the court fee if applicable,

 

sorry i cant be more helpful

 

just a quick question

have you posted your own thread? as you will have more of a chance of an answer to any of your questions

 

good luck not that you will need it;)

[blinkyblinkyblonk]

update:

 

awaiting the money to be paid into today or tomorrow,

have asked the lady to supply me with a cash card, according to her the account has just been downgraded to a cardcash account and is still active, so i get to keep the account, and in my situation thats a good thing cause no-one else will have me lol.

 

so everything in the garden is rosy apart from getting a puncture on my car taking the kids to school this morning:mad:

 

its menial to what i have acheived though!!!

 

 

my shopping list with the amount left over:

 

buy my children a swimming pool:D

carpet my lounge:D

grrrrrrr get new tyres for car:mad:

[BARRY M KENT]

Cheers Blinky I Am New To This And Computers How Do You Post A Thread I Dont Know Sorry If This Makes Me Seem Thick But Just Learning

[blinkyblinkyblonk]

Cheers Blinky I Am New To This And Computers How Do You Post A Thread I Dont Know Sorry If This Makes Me Seem Thick But Just Learning

 

your not thick at all barry,

just go to halifax bank forum and then post new thread

the button is at the top left hand corner

and fill in your details like you have just done

it just makes it easier for the moderators and other peeps to help you as you have all your details in one thread,

 

if need any other help dont hesitate to contact me

[blinkyblinkyblonk]

YAHOOOOOOOOOOOOOOOOOOOOO

 

 

MONEY IN THE BANK

DEBT PAID OFF

LEFT WITH £495.

WAITING WITH BAITED BREATH FOR MY CASH CARD NOW!!!!!

 

and trying for the life of me to remember my pin number rofl

[mechs]

Well done Blinky the wife keeps looking in our account ....but nothing there yet

[blinkyblinkyblonk]

update:

 

awaiting the money to be paid into today or tomorrow,

have asked the lady to supply me with a cash card, according to her the account has just been downgraded to a cardcash account and is still active, so i get to keep the account, and in my situation thats a good thing cause no-one else will have me lol.

 

so everything in the garden is rosy apart from getting a puncture on my car taking the kids to school this morning:mad:

 

its menial to what i have acheived though!!!

 

 

my shopping list with the amount left over:

 

buy my children a swimming pool:D

carpet my lounge:D

grrrrrrr get new tyres for car:mad:

 

 

I quote "awaiting the money to be paid into today or tomorrow,

have asked the lady to supply me with a cash card, according to her the account has just been downgraded to a cardcash account and is still active, so i get to keep the account, and in my situation thats a good thing cause no-one else will have me lol

 

WHAT A JOKE

 

rang them this afternoon to find out if the account could be unlocked and they said no sorry this account is being closed having been told this morning that i could have it as a card cash account. advised to go down to branch with id and withdraw the money out. I had to see someone couldnt just draw it over the counter so had to wait 1/2 hour to see someone, so............. luckily (having not got my licence or passport) I just took my council tax bill and my water bill, all the statements i could find from them, anything that would convince them that i am who i say i am, she was very nice and said dont worry about the identity as i have clearance already as she had rang head office while i was there.

anyway, withdraw the rest of the cash and put it in my parachute account

 

phew. hope this makes sense

 

(people who have been following my post will know what hassle i've had)

 

anyway i can safely say it is ALL DONE AND DUSTED NOW

[blinkyblinkyblonk]

Well done Blinky the wife keeps looking in our account ....but nothing there yet

 

Hi mechs and mrs

 

it does become a habit keep looking lol

even when i signed off this morning i sign back in again!!!!

 

the interest went in first

then the full balance went in

 

ive just posted a reply on here about the hassle i had.

[mechs]

Did they say why they were closing the account?

[blinkyblinkyblonk]

Did they say why they were closing the account?

 

 

not this morning they didnt, but this afternoon they did!

[Judy123]

Oh well done you! have been watching your progress from the start, plucking up the courage to go for it. Lost the internet in last weeks storms so have just been catching up - tears are pouring! Our luck is the same - but if this doesnt boost your confidence then nothing will!!

 

LBA sent 4.7.06 - no response yet

[Marilyn]

Hey Blinky

 

You done it well done, now you've got your money in those hands of yours!!! Glad you made it over the final hurdle and it was worth all the hassle....

 

Are you going for anymore ????

[blinkyblinkyblonk]

Oh well done you! have been watching your progress from the start, plucking up the courage to go for it. Lost the internet in last weeks storms so have just been catching up - tears are pouring! Our luck is the same - but if this doesnt boost your confidence then nothing will!!

 

LBA sent 4.7.06 - no response yet

 

judy thank you very much, i must admit i was confident when i went into the branch today i thought i am not budging until they give me that money to MY SATISFACTION.

 

sorry to hear about your internet, and good luck to you. (you wont need it just CONFIDENCE) lol

im following your progress .

[blinkyblinkyblonk]

Hey Blinky

 

You done it well done, now you've got your money in those hands of yours!!! Glad you made it over the final hurdle and it was worth all the hassle....

 

Are you going for anymore ????

 

hi marilyn thank you and yesssssss i done it

oh yes well worth the hassle

especially when she was counting out the £400 odd tee hee

and yes it was lovely to have it in my hands

 

ive got a £28 charge and £38.68 debit interest, after the claim was settled,I shall be writing again. teeheee

 

 

roll on!!!!!!!!!

[Marilyn]

Blinky

 

Have a question for you....when you put in the claim with court how did you calculate the daily interest and when does it start from...its just that lm having a few nightmares about that bit, lve got the fact that you put the 8% on at that stage but lve also read about daily interest and am a little worried, well a lot actually, its kept me awake a couple of nights!!!

 

so any help you can give me, now that you've been through it would be greatly appreciated.

[barracad]

The 8% interest can be calculated using the spreadsheet from the templates library on this site.

[Marilyn]

Barracad

 

So is that the daily interest that lve read about, the 8% from the spreadsheet?

 

Sorry if lm being thick just want to get it right now that l know lm going to claim in about 10 days or so time.

[barracad]

The spreadsheet works out the 8% interest.

 

The daily rate is 0.00022 x your claim amount.

[blinkyblinkyblonk]

Blinky

 

Have a question for you....when you put in the claim with court how did you calculate the daily interest and when does it start from...its just that lm having a few nightmares about that bit, lve got the fact that you put the 8% on at that stage but lve also read about daily interest and am a little worried, well a lot actually, its kept me awake a couple of nights!!!

 

so any help you can give me, now that you've been through it would be greatly appreciated.

 

oops i didnt put the daily interest in. just the 8% and im sure now that that was wrong because when i do the 8% interest on the cag calculator it was much more than on the spreadsheet.

either im thick but the daily rate only worked to about pennies so didnt think it was worth it.

i may have been doing it wrong

sorry i cant help but barracad kindly has

[blinkyblinkyblonk]

oh what a surprise!!!

 

halifax have declined me a basic bank account mmmmmm wonder why!!!

 

 

oh and my application does not pass the qualifying tests that we use.

 

oh and that would be WHAT exactly!!

 

and........... signed by garry r d kettle

 

if you lovely people know of a somewhat GOOD reply to my decline

i would be most grateful

[Mariana]

...Dear Mr Kettle

 

You can take your account and stick it where the sun doesn't shine!

 

Love and Kisses

Blinkyblinkyblonk ...

 

It don't suppose that will go down well ......