halifax is the pits - **WON**

[colour-me-happy]

hi colour me happy thanks for your reply

 

yes it was a step account, just phoned customer services

and she said something on the experian credit report must of made them decline.

she advised me to get a credit report from them just to see if any one is using my details. I explained i was on a debt management plan, and she didnt seem to think that was the problem, im wondering if halifax have put something on there, as they were the last creditor to go on my debt management plan, and they havent acknowledged my notice of a debt management plan yet, because they keep sending me letters to say ive gone over my overdraft limit, and you will be charged £28.00, all the others have been covered by the dmp. and I didnt have a problem opening a barclays account! I wonder if its because the statement i sent had most of the bank charges on, which in someone elses eyes ie bank would think i cant manage my bank account properly, and as usual if the halifax hadnt of kicked me while i was down, hence the proportion of charges in one month i might of been alright. I wish the nat west could just tell me exactly what made them decide to decline, and I would of been able to shed some light on it.

 

I think its a case of "little Britain" "the computer says noooo" lol

 

What a nightmare for you, I applied online for mine (I have ccj's, defaults etc coming out of my ears! ) and had no problem at all, I didn't even need to send any id, when I was applying I called them and asked what their criteria was and they told me there was none (except the bankruptcy) and according to my credit file they just carried out a generic id check rather than a credit check.

 

The Co-op basic account has been recommended a few times on here although I haven't got one myself

[blinkyblinkyblonk]

What a nightmare for you, I applied online for mine (I have ccj's, defaults etc coming out of my ears! ) and had no problem at all, I didn't even need to send any id, when I was applying I called them and asked what their criteria was and they told me there was none (except the bankruptcy) and according to my credit file they just carried out a generic id check rather than a credit check.

 

The Co-op basic account has been recommended a few times on here although I haven't got one myself

 

hi colour yes a horrendous nightmare have just phoned co-op and the application has been referred to the underwriters, should hear in a few days:(

She also advised to go into a branch I might do that actually, then they can see me face to face which looks something like this:mad:

 

will keep posted on my sarga for a basic "bog standard i want access to my money when i want it" account lol

[colour-me-happy]

Hope you get it sorted

 

Keep your chin up! Not long to go now with your claim!!

[blinkyblinkyblonk]

thanks very much, ill keep all me chins up lol

 

just waiting for 19th now to file my claim, ill have to go to the courts in person as i dont have a debit card, but ohhh what a worthwhile trip lol

 

watch this space!!!!!!!!!!

[dellydaisy]

Hi BBB just wanted to offer words of support, been following your thread as the halifax are on my hit list too!!

Keep up the good work!!!!!

Delly

[blinkyblinkyblonk]

Hi BBB just wanted to offer words of support, been following your thread as the halifax are on my hit list too!!

 

 

Keep up the good work!!!!!

 

 

 

Delly

 

hi dellydaisy,

 

thank you for your words of support it is much appreciated,

 

and good luck with yours

[blinkyblinkyblonk]

i posted the letter before action recorded delivery, on the 5th june and it is still showing as not been delivered. arghhhhh

but i sent a couple of other items recorded on the same day and they have been delivered, it just had to be the blooming halifax thats not showing grrrrrrrrr

im going to ring the post office.

 

 

Too many being sent to that address pmsl!!!

 

had to be the flaming halifax one didnt it

 

just my luck

 

:mad:

 

Do i send another letter before action if it is lost?

 

or do i just wait to see if it arrives???

 

 

any help from luvveryly peeps gratefully received thank youuuu

[colour-me-happy]

I'm beginning to sound like a stuck record now but Recorded is a waste of time.

 

What has probably happened is that if they have several items of recorded mail the postman gets them to sign just 1 slip. so chances are they have *probably* got it, it's also probable that they won't reply anyway:rolleyes: they ignored both my prelim and lba (even though it was in the same envelope with a letter they did reply to .

 

If necessary *if* you were to get to court you can show you have made sufficient effort to resolve the matter, just keep your recorded delivery slip

 

Hope that helps.

[blinkyblinkyblonk]

I'm beginning to sound like a stuck record now but Recorded is a waste of time.

 

What has probably happened is that if they have several items of recorded mail the postman gets them to sign just 1 slip. so chances are they have *probably* got it, it's also probable that they won't reply anyway:rolleyes: they ignored both my prelim and lba (even though it was in the same envelope with a letter they did reply to .

 

If necessary *if* you were to get to court you can show you have made sufficient effort to resolve the matter, just keep your recorded delivery slip

 

Hope that helps.

 

thanks colour me happy

ill just go with it now.

if the other letters i sent recorded have been delivered chances are that the halifax has as well. I will carry on as normal on the assumption that they have received it and file my claim on monday

 

thanks for your help

[blinkyblinkyblonk]

just spoke to a nice lady at the royal mail, she confirmed that its not been delivered yet which i knew anyway, i told her it was to the halifax bank and she said it may have been delivered with a load of bulk items, mmm wonder how that could be lololol. and that the company has a sheet which they just send to the royal mail confirming delivery of all the recorded items, so *probably

it has been delivered as said by colourme happy thanks,

and im going to continue my court proceedings on monday as then there time is up.

 

[blinkyblinkyblonk]

just spoke to a nice lady at the royal mail, she confirmed that its not been delivered yet which i knew anyway, i told her it was to the halifax bank and she said it may have been delivered with a load of bulk items, mmm wonder how that could be lololol. and that the company has a sheet which they just send to the royal mail confirming delivery of all the recorded items, so *probably

it has been delivered as said by colourme happy thanks,

and im going to continue my court proceedings on monday as then there time is up.

 

 

ive been having a rethink and wonder whether i should re send my letter before action, i would like to email them and ask them if they have received my letter before action. if they havent i would feel much better if I sent it again and used special delivery, its just so i feel confident that they have received it.

 

I know colour me happy that you said it is possible that they had a bulk delivery, but im just a little unsure about going ahead with the court action, and then the halifax turning around to say they never received my letter before action so therefore i havent given them the right amount of time to sort it out so to speak

 

 

any advice greatly appreciated,

 

i dont really want to ring them cause im a mumbling idiot when confronted lol

 

i would just like to correspond with them through email or mail.

 

help me pleaseeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

 

 

thank you

[barracad]

I know colour me happy that you said it is possible that they had a bulk delivery, but im just a little unsure about going ahead with the court action, and then the halifax turning around to say they never received my letter before action so therefore i havent given them the right amount of time to sort it out so to speak

 

If it did end up in court, you would only need to prove you posted the letter - there is no need to prove delivery.

 

Anyway, you've still allowed adequate time - 28 days from your prelim. That's more than enough time.

[blinkyblinkyblonk]

thanks barracad

i feel better now thank you so much

 

roll on monday:D

[rbrears]

Absolutely. Really - don't worry about it. Just issue when the time limit runs out. As long as you have a copy of the letter and can say you posted it no-one's going to criticise you.

[blinkyblinkyblonk]

thank you peeps

 

 

off to court i go!!

monday roll on

 

 

fingers crossed claiming over 3000 now they've added more charges and now i can claim interest

 

wish me luck

[colour-me-happy]

thank you peeps

 

 

off to court i go!!

monday roll on

 

 

fingers crossed claiming over 3000 now they've added more charges and now i can claim interest

 

wish me luck

 

You won't need any luck but I will wish you it anyway

 

I've just booked a trip to New York with the proceeds of my successful claim

[mechs]

thank you peeps

off to court i go!!

monday roll on

 

All the best blinky we filed today at the court

 

You won't need any luck but I will wish you it anyway

I've just booked a trip to New York with the proceeds of my successful claim

 

Awwww any room in your luggage for lickle old me colour .........have a good time........ heyy and when you are over there raise a glass or three to the bank

[blinkyblinkyblonk]

ok people

im not at all happy or confident to take them to court without knowing that they have in fact received the letter before action, ive been mulling this over for several days, and not being confident as nothing ever goes right for me, I can just see me going to court and the judge saying you didnt send them a letter before action, you have internet access so why didnt you check beforehand! I have rang the royal mail twice now and it still hasnt been delivered i check on their website everyday and it still hasnt been delivered

 

 

I would feel better if i contacted them to find out whether they have received it or not. but then i suppose that would give them more time as they would probably lie and say that they didnt receive it. if the recorded item is not signed for i have no concrete proof.

 

I would like to email them with the letter before action pasted on the actual email so there will be no attachments. and saying that their time runs out today.

 

 

does it state anywhere that proof of postage is proof of delivery

 

im sorry if you lovely people think i am being stupid, I just need to be confident enough that this wont go against me.

 

I know you have told me that it will be ok, im just not so sure.

 

signed from a very not confident blinky

(who nothing ever goes right for me)

[mechs]

Awwww Blinky,

 

If its any consolation I am still awaiting some answers to our DPA request(mother and me) which is way over the 40 days now, we also sent them a LBA letter and have heard nothing ........we filed for our bank account ( wife and me) last friday as we didnt want to get things muddled up we left the mother and me account for another day but if it was just that account I would have filed for it ...they didnt reply we have the proof of the email .......its up to them

 

But at the end of the day its your claim you have to do what you think is right

 

Best of luck

[barracad]

I can just see me going to court and the judge saying you didnt send them a letter before action, you have internet access so why didnt you check beforehand!

 

The judge would say no such thing - the Court would consider the letter has been delivered 2 days after posting. You don't even need proof of postage - just a copy of the letter in your file would be adequate proof for the courts. The fact that you have got proof of postage is more than enough - just go for it.

 

Chances are they probably have the letter anyway, you just have no way of proving it at the moment.

 

Oh, and as I said earlier - your prelim letter clearly stated they would have 2 lots of 14 days - a maximum of 28 days to comply before you take them to court, so you have explained exactly what would happen.

[0justlooking]

hey blinky! have you had any joy with the parachute account yet?

 

i've been knocked back by the Natwest for the Step account - and am alarmed to read in this thread that the only reason they wouldn't give a person an account is bankruptcy - and i'm not, as far as i know! (though i am probably a good candidate..)

 

i'm going on to try with the Co-Op, but now am looking at the disctinct possibility of having no bank account, as I am at the stage where the Halifax have 'acknowledged' my claim.

 

how embarrassing!

[yvonne125]

ojustlooking try lloyds tsb they gave me an account better than the one i got with halifax after doing an appeal on the ist offer they gave me they upgraded and like so many others my credit is pretty bad. hope this helps and good luck with the claim

[0justlooking]

thank you for that Yvonne, its good to have another option, especially when recommended by someone who as you say is in the same boat..

[blinkyblinkyblonk]

thank you for that Yvonne, its good to have another option, especially when recommended by someone who as you say is in the same boat..

 

hi ojustlooking

 

ive been knocked back by co op as well, but barclays were ok with me,

when my dmp is sorted i might go to lloyds, (i say that cause i owe them and all)

 

cant get me blooming credit file as now they need proof of address and all that &**&*& arghhhhhhhhhhhhhhhhhh

 

 

ONE DAY THINGS WILL GO RIGHT FOR ME

 

 

good luck with yours

[0justlooking]

i know how you feel blinky - i'm not currently on the electoral roll, just moved to a new flat and stuff. its a right mess innit?