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Seasidelady V Halifax****WON 2 CLAIMS SETTLED IN FULL*******


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I think i will leave it till about 30 days then i will give them a quick phone call just to see how things are going. Iv noticed a few people get theirs a bit sooner with a call. Its worth a try.

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def worth a try, good luck

Halifax

 

data request handed into branch: 25/09/06

 

statements received: 08/11/06

 

Total Charges to date: £569.00

 

 

1st letter handed into branch 20/11/06 requesting £607.75

 

LBA handed into branch 04/12/06, have till 18th dec to respond....

9th December... SETTLED IN FULL!! YAY!!

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Hiya Tara,

How far along are you now??

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  • 2 weeks later...

Hi all, its been a while.

I am still waiting for my statements, but i got a letter today from HBOS, standard i think. Just saying they confirm copies of duplicate statements have been ordered and will be sent under seperate cover.

Sent by Ken Patton, he must be the busiest employee there...!

17 days till the 40 day deadline, but fingers crossed i will get them soon.;-)

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hi i got my statements the two following days after i got that letter, so you should be getting them any day now. I have sent my first letter and they have till monday before i send my LBA so I think is 2 weeks i will preparing to go to court, good luck amd keep us posted, oh and be prepared at the shock of how much in charges you have paid!

Halifax

 

data request handed into branch: 25/09/06

 

statements received: 08/11/06

 

Total Charges to date: £569.00

 

 

1st letter handed into branch 20/11/06 requesting £607.75

 

LBA handed into branch 04/12/06, have till 18th dec to respond....

9th December... SETTLED IN FULL!! YAY!!

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I will let u know as soon as i get them, then its the dreaded spread sheets...!

I found 3 months of old statements and there was almost £800 just there, so i think i will be gobsmacked (hopefully) Good luck with ur claim, hopefully u will hear back before monday.

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I GOT MY STATEMENTS..! :D

Oh my poor postman, there are loads.......:-o its going to take me all weekend i think, cant wait to get started, and hopefully i will be ready for step 2 monday morning.

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oh glad you got them so quick, i had to go over mine then re go over them the next day, because there were a few that slipped through the first time, if you are at £800 in 3 months you are going to find loads!

Halifax

 

data request handed into branch: 25/09/06

 

statements received: 08/11/06

 

Total Charges to date: £569.00

 

 

1st letter handed into branch 20/11/06 requesting £607.75

 

LBA handed into branch 04/12/06, have till 18th dec to respond....

9th December... SETTLED IN FULL!! YAY!!

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HELP...!!!

I have gone over the £5000 on my charges. Wot do i do???

I knew i had been bad but oh my god!

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I think you can make more than one claim. If it were me (and it will be) I would claim for the oldest, say 3 years, first and some time later (to avoid them being lumped together in court) claim for the rest. This way any further charges can be added into your MCOL or N1. Sally

 

 

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i have 2 accounts, the first has just gone over by a couple of hundred , but the other is low, if i claim £5000 on 1 can i add the rest to the other account? Im not sure how tho. Im just doing spread sheets, (numb fingers!!)

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just a little friendly bump:)

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I dont think you can add charges from one account to another, like the person above said i think your best bet would be to go for the oldest charges first then afterwards go for the newer ones, good luck!

Halifax

 

data request handed into branch: 25/09/06

 

statements received: 08/11/06

 

Total Charges to date: £569.00

 

 

1st letter handed into branch 20/11/06 requesting £607.75

 

LBA handed into branch 04/12/06, have till 18th dec to respond....

9th December... SETTLED IN FULL!! YAY!!

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i am going to look into that, i was just worried in case i could only claim once on the account, if i split it in half and send the first one then when its finished (and bills paid..!) i can send the second half. If this isnst the way i should do it i would be very grateful for any advice.

How are you getting on Tara?

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hmm it may be worth asking a mod for it, i had a look through FAQ's for you but can't see anything about claiming once. I am doing ok handing in my LBA tomo so 14 days till court is filed!

Halifax

 

data request handed into branch: 25/09/06

 

statements received: 08/11/06

 

Total Charges to date: £569.00

 

 

1st letter handed into branch 20/11/06 requesting £607.75

 

LBA handed into branch 04/12/06, have till 18th dec to respond....

9th December... SETTLED IN FULL!! YAY!!

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Thanx 4 looking, i have looked aswell and i have been trawling thru threads but i cant find anything. So i think i will go find a mod.

Good luck with ur claim, i will follow ur thread and see how u get on.

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Yes, you can claim for the one account more than once. It just needs to be less than £5000 (without the interest - this is NOT counted as part of the claim. e.g. If your claim came to £4000 but over £5000 with the 8% interest the court would regard your claim as being for £4000. Have I made this clear?) When I get there I will probably claim to the end of whatever year so as not to confuse myself.

 

 

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so what i will do is the first bank account the amount is £1157 with out interest, so i can send that in the morning, then if i split the other account in halfish and send for £2358, even if they do round it up it is still under the £5000, then if i win the claim i can reaply for the remaining £2767.

This sounds right i think, Sorry if i am being a pain but i dont want to risk losing 2 thousand.

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Ok,

What i have done is, done my prelims, i did 1 for 1 account for £1157, and the other for 2989, so the total is still under the 5000. They are ready to go recorded delivery in the morning, so then tuesday will begin my 14 day countdown.

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Go back and read Caro's comments on 07/11/06. If you lump the 1st account with the first figure of the 2nd account you will still be under the £5000 (without the 8% interest) so that should be allright then. I do have a cheek giving you advice when all I have achieved so far is a capitulation with just one letter to Halifax mortgage department. Useful for Xmas though.

 

At least you will /should have money for February which is a lean month for finances. Go get 'em girl:) Sally

 

 

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Any advice is great sally, thanx. And the fact ur saying what im thinking makes me feel like i knew all along, but when you spend the first few weeks reading everything, you think you know what to do, but when you really start thats when you worry ur doing it right.

Good luck with ur claim.

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Yeah, you're right and once I have to send my 1st LBA I am CERTAIN my brain will freeze and I will need someone to give me some encouragement. Just to get me in the mood I am going to 'phone the West Bromwich BS tomorrow 'cos they cashed my cheque 2 weeks ago. Where is my data? Wonder what they will say, and will I be professional or tongue-tied?

 

Have you got your paperwork in the post today?;) Once the 1st one is in the bag I expect it will be like riding a bike. Hummmmmm

 

 

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I have posted them...! On my way now ;-) So i have done what i said, i even found a few threads where people have done the same as me and gone back to the same account, so im a lot more confident now.

I hope you give them what for when you phone them, just know what your going to say before you call. And take no messing from them.

Im not going to take any calls, dont want to fluster.

At least on paper i get help with what needs to be said. :)

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I got 2 letters from them today. Standard stuff, "sorry to learn you are unhappy with your charges" (No s**t sherlock..!!!) We are keen to deal quickly as possible. You will recieve a repy with in 4 weeks.

So LBA already to go, just have to wait till next tuesday to post it.

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Hi everyone, Thanx 4 all the help so far. Im afraid im asking again...!

I am having a problem with the spread sheets. I did the first ones without the interest which were easy enough. But i was just redoing them to add on the interest. It wont add on. Maybe im having a dense moment. In the interest box it says

 

#VALUE! Not a number: 3-Dec_2006

 

In the column where it says interest there should be a number. There isnt one on mine. Any ideas where i have gone wrong??

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