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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
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Nailz v Halifax


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Hi All,

 

Came across the site and spent most of my day reading through the posts about how people have challenged Halifax and won, I must say I was very apprehensive at first but this site has given me the confidence to push forwards and challenge them!

 

I sent off for my statements on the 3rd Jan, they arrived yesterday and I didnt even get charged for them!

 

I have calculated I have paid £1554.00 in the last 6 years on charges, today I send my first letter requesting my money back!

 

Wish me luck, and thanks to you all for your support, if you hadnt of posted your experiences, I may never have got the bottle to do this!

 

Nailz

Hard Working, Hard Drinking, Hard Done By!

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Ok Nailz, am subscribed to your thread now, so will keep an eye out....sorry, site is really slow today so posts taking time to appear!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I recieved my "thanks for your letter but the charges are justified letter"

 

They have forwarded it onto Customer Relations (should of just sent it there and not to my branch) (but then again my branch didnt charge me for my statements!) I didnt leave my tel number on the letter, will that hinder my claim, or will they use a number I have left on the account?

 

T-minus 11 days until I threaten them with court action!

Hard Working, Hard Drinking, Hard Done By!

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Hi Nailz,

 

Don't worry about the telephone number, just add it into your next correspondence...

  • Haha 1

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Will do, just read that someone won a claim without even threatening court action... I so hope that happens with me!

 

So should I call them maybe the start of next week and check they have my letter, or just send my next - I am taking you to court letter?

Hard Working, Hard Drinking, Hard Done By!

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Nailz, no need to call them to check if they've received the letter, get a proof of posting certificate which will suffice if you ever need to argue about it being sent/received in court. As you say, you may get lucky and get paid before any of that which would be fab.

 

Just send them the next letter about 16 days from the date of the prelim, as this will allow a couple of days postage grace too :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi everyone it's my first time to post on the site but have been reading all the stuff on here for a number of months.

 

I issued my claim on the 5th Jan 07 and it was acknowledged on 9th Jan, but i've had no paperwork yet about a defence being lodged, so I'm keeping my fingers crossed that they won't defend and I can just enter judgement against them.

 

my brother took them on recently and after saying they'd defend the case they paid out in full.

 

So here's hoping they do the same for me!!

 

i'm a bit lost as to what date i can enter judgement if I fail to receive anything about a defence can anyone help?

 

Cheers Chichi

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  • 2 weeks later...
I posted my "I am taking you to court letter Monday", do you think it is worth calling them??

 

Should I start putting my court bundle together?

 

Nailz, it's up to you if you want to ring them but they don't usually start negotiating until you've been issued a court date.

 

In the meantime, have a look at my Halifax thread...it's been moved to the 'Successes' bit!!!! :razz:

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No Nailz, your court date will be issued after you and halifax file your allocation questionnaires (which are sent to you from court) so no need to do the bundle yet, but so start putting stuff together, and researching/reading up on the bundle info, available in the library. And there's no need to panic about not knowing the law stuff...I only said about stuff I knew/had read up on. Anything I couldn't handle I just turned around and said I'll see you in court to argue it out. That soon had him squirming!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Welcome to the site.

Unfortunately you cannot run your progress in the welcome site this is for newbies.

I have moved your posts into the Halifax bank group with fellow claimers.

Feel free to post any further requests for help,and log your progress here.

Help is at hand from me or other members of the Cag support team should you need it.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Martin!

 

The letter I sent Monday was my LBA ( I didnt realise)

 

So I have given them 7 days to respond before I issue Court papers.

 

I didnt include interest though, have I messed up?

 

When I dont hear anything, I write to the court, is this form N1?

 

If so, do I send 1 to court, keep 1 and send 1 to halifax?

 

I live in swindon so would I send it to Swindon crown court?

 

Is it too late to add interest to that form?

Hard Working, Hard Drinking, Hard Done By!

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As crash said, there is more room on the N1 form for the particulars of claim. Yes the N1 form can be used to start your action. The are templates in the library and particulars of the claim that need to go on it. Also include a copy of your schedule of charges with interest calaculated. Take this (3 copies needed actually, i had to pay a couple of quid at the court to get the other 2 copies!) to the court and they will advise you how much it will cost to start the claim, again the cost depends on the amount of claim, it can be up to £120. At the Aq stage there will be a further £100 to pay as your claim is over £1500

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yes nailz,

on the N1 form you will claim charges as per your schedule of charges , plus £xxx in interest as calculated on the spreadsheet, and also interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

take a look at this template from bankfodder in the templates library

 

4. Particulars of claim- N1- hard copy version

 

I must learn how to paste in links!!!!

 

kevin

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Excellent, I was advised to fill out the N1 but I might have to do it online, I cannot get to the court at all next week, and I need to do it Monday.

 

At least if I complete it Sunday night it will be issued Monday. I will read up on the MCOL stuff tonight to familiarise myself with it

 

Bullocks! I demanded a response in 7 days of my LBA not 14... I am not doing very well here am I!

Hard Working, Hard Drinking, Hard Done By!

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Nailz, don't panic, even though you've stated 7 days, give them 14-16 days. Then file your court claim on an N1 form, which you can post to your local court (I posted all mine, all handled very promptly). And when you're ready to file N1, pm me and we can chat on MSN about how to do it. In the meantime, have a read of the information in the Bank Templates Library on the N1 form. It tells you the wording etc.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Getting exciting now, isn't it?!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I must learn how to paste in links!!!!

 

kevin

 

Kevin, go to the relevant website page, copy the full web page address at the top, and then paste it direct into the post :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

go for it - good luck!!:grin:

Halifax - paid out without getting to court - £250 WON - no intention of going, stated too costly!!

Halifax no 2 account - paid out without a fight - (by mistake, £1650 - should have been £1200 - had to pay some back)

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