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Salisburyowl V Halifax ***WON***


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Well today I receieved the standard 'we're sorry you're unhappy' letter from the Halifax together with a lovely leaflet. Sorry Halifax we're working on my timescale not yours :D

 

LBA due to be sent on the 18th April......we count bank holidays and weekends in the 14 days...don't we?

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yep..:D

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Hi Sea-side lady

 

Thanks for your quick reply. I'm just thinking ahead here. Would you recommend MCOL or N1? All the particulars I've put on my statement of charges are 'charges as notified'. Also is it better to fill out the N1 form online and print it off or go to my local court to pick one up? Any suggestions on the best way forward now would be greatly appreciated. Also it would be useful to have someone check my handywork on the form filling side ( if that's possible ). I just want to get it right and not provide any reasons for my claim being rejected.

 

Many Thanks in anticipation :D

 

Owl

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There are pros and cons on both, but this is worth reading..

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Have a read befoore you decide. Let me know what you think.

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Thanks again Sea-side lady for that. Having read all that I'm tempted to favour going down the N1 route. One thing does concern me however and that is that on my spreadsheet of charges I've just put 'charges as notified'.....is there a danger that this is too vague? The reason I put this is that this was what was recorded on the bank statements.

 

 

Can I pick up an N1 form from my local county court or shall I just fill in the 2 page one online then print it off. I'm querying this because it doesn't seem to contain much and what do you put at the bottom of page 2 where it talks about solictors etc

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I did N1, and all i put was "charges as notified".

 

It is all they put, so that is the only thing you can put.

 

You can pick up the forms at the local court, i did, but my com was playing up at the time. You can download it from the letter templates.

You dont need to put anything for the solicitor. You didnt use one.

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Your N1 claim form.....

 

Claiment

salisburyowl + address

 

Defendant

Haliprats Trinity road

 

Brief details of claim

Money claim for return of penalty charges applied to the claiments bank account by the defendant.

Value

 

Charges.......£xxxxxx

Interest under s69 county courts act 1984......£xxxxx

Total.....£xxxxx

SAR Fee.....£10

 

In the boxes....

Amount claimed.....full amount

Court fee ....... (court will tell you)

Solicitor fee...leave blank

 

Human rights.....NO

Poc.....Attatched

 

The bottom of the form.....print and sign.

DONE..!

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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And take 3 copies of everything with you and they sort it all out and send where ever they need to go. They should also double check it for you.

 

I hope this helps you.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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So LBA and schedule typed up and ready to send off recorded delivery in the morning. I've included a telephone number just in case Halifax want to make me an offer of the full amount.....no, no, don't laugh, they may do :D

 

Just in case I'll get my N1 sorted.....only 14 more days to go ;)

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  • 2 weeks later...

I've just been looking at the pdf N1 form to see what needs to go where. On the back of the form is says particulars of claim attached...does this mean I can't type in my particulars of claim on the actual form?

 

Also do i just hand in 1 N1 form to the court but with 3x poc and 3 x spreadsheets?

 

Any advice gratefully received...just want to get it right first time, that's why I'm querying this.

 

Cheers :-D

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Hand in 3 N1 sheets. with the poc and spread sheets attatched.

 

I just printed all out and stapled together.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Yes.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Well I popped to the local court yesterday and a nice lady gave me a court pack which included 3 N1 forms and lots of other useful information. She also said she would check it for me when I hand it in on Tuesday. I've heard nothing from the Halifax...so looks like I'm claiming an extra £500 interest :D

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Hay Owl.

 

Am watching your thread with baited breath lol,,:razz:

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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