BJ vs HBOS

[bjamieson]

I have a thread running in the Halifax forum, but just found this one and hope i will get more info.

 

I phoned and received all my statements in December.

 

Sent my initial letter on the 16th of January for £2300

LBA & Copy of initial letter emailed on 31st January

Automatic email response received 1st February

 

I have still not had any correspondance from HBOS, no standard letters, no acknowledgement at all.

 

How should proceed from here?

Also am i going to have to raise 2 summary causes? 1 for £1500 and another for the difference?

I have since had another 6 x £39 since i sent the first letter , so does that mean that i can claim them as well wen i get to the court action stage?

 

Sorry to appear stupid,any advice would be appreciated

[maroondevo52]

Hi BJ.

 

BOS totaly ignored my LBA so I went to court. You should wait until the 14 days are up then file your court papers. I'm sure you can claim for the further charges, I have, but have to wait untill March to see if I get them.

 

 

Regards.

 

Scott.

[KHMcBey]

Yes, you would have to raise 2 seperate summary cause actions for this claim. Unless you can do it through MCOL using an English correspondance address?

[bjamieson]

Unfortunatley i dont know anybody in England , but i dont mind doing 2 sets of claims, because they will pay it back anyway, money is very tight just now so could have done without paying twice though.

[bjamieson]

has anybody else been completely ignored by there bank? im a bit worried i have had no correspondance from halifax at all

[bjamieson]

grrrr i have still had no response from haliprats.......i might call them on monday see if they have anything to say before i lodge my smmary cause papers !!!

[bjamieson]

looking for a bit of help with my spreadsheet.....thisis how the bottom of it looks, im just a bit confused why there is a blank space for the interest

 

£2,751.00 £527.42

 

 

 

 

 

TOTAL CLAIMED AT DATE OF SERVICE: £3,278.42

 

JUDICIAL INTEREST AT CURRENT RATE OF 8% £0.00

 

TOTAL CLAIMED AT DATE OF JUDGEMENT OR PAYMENT £3,278.42

can anyone help with the formula needed in the judicial interest column.

thank you

[pict]

Hi BJ, The judicial rate is added by the court if you win which I'm sure you will.

It is calculated from the date when you hand in your summary clause form to the date the case ends.

Hope this helps

Good Luck..................

[bjamieson]

thank you

 

i was due to raise action today but didnt get a chance.....my daughter took a call this morning from someone at bank, she said i was in bed could she take a number/name and i would call back, they gave name but no number and said they will write to me!!!! I am so mad for missing the call, but we shall see what comes in the post before i start court action

[bjamieson]

Received offer letter today for £1423....along with name and phone number to call if this didnt resolve my complaint.

 

I called them and told them it didnt resolve it at all.

 

After rubbish lecture about managing my account and advising me the unlawful ruling only applies to credit cards and as a goodwill gesture they would raise my offer to 2100, again i said thanks but no thanks.

 

He then agreed to pay the full amount of £2751, so ammended my ofer letter to say new amount and its in post back to them.

 

I wont celebrate till its in the bank though, but i think i have won :D

 

Hang in there everybody

[alic]

Congrats!!

 

Great news for you. I think the fact there has been a lot in the news today about bank charges has given the banks a kick up the backside!

 

my first small claims has been served on HBOS today... i have roughly £2500 and was only offered £600 which i rejected... but i was told to shove it by the bank...or words to that effect! So i have filed with the sheriff court. Im hoping that the bank think im serious and offer me the lot after the first case... fingers crossed!

 

Anyway looks like you got them told!

Good for you!

[bjamieson]

i forgot to mention, apart from initial letter which i posted, every other bit of correspondance has been via email, with copies being sent to chief exec at same time, i dont know of this helped push them into action or not.

 

[email protected]

[email protected]

 

these are the 2 emails i sent to

[stevesj]

there is a pattern that emerges - BOS do nowt until they are pushed / nudged a little - they react differently to each case - not sure if that's to put us of tho'

[maroondevo52]

Superb BJ,

 

Well done, makes my day when I hear when 'the wee guy wins'.

 

 

Regards.

 

Scott.

[Jake57]

Hope I am not hijacking this thread - if so, please advise what I should be doing.

 

I am helping my daughter to try and recover charges on her credit card - a mixture of overlimit fees - £552 - and late payment charges/fees - £345.

BOS CC refunded £287 after my first call to them. Subsequent correspondence and LBA has resulted in them offering a further £161.50 - total of £448.50 "represent 50% of charges since the account was opened.

 

I tried a friendly call to get them to increase the offer but was told this was final.

 

Before preparing the court papers, can anyone confirm if we are entitled to recover the repayment insurance as well. I have calculated it at £8 - not a lot, but it the principal.

 

I have calculated the interest due on the total amount at £404.65, using a rate of 21.26%, on the period August 02 to current date. The final transactions were processed in October 06.

 

Finally, I had tried to settle this "amicably" in August 06, offering to clear the balance on the account. Further interest charges were added totalling £57.62 and I have a letter from one of the Customer service team agreeing that I had tried to settle and offering to refund this as part of the settlement.

 

Do I include this in the claim as well?

 

Any guidance appreciated.

[bjamieson]

I would go ahead and present your court papers, however i would personally not try for 21.26%, i think the statutory amount that people have been getting is 8% at the court stage.

 

Add any extra charges since you started the action should be added.

 

Im fairly new to all this but this is how i would proceed.

 

Hope this helps

 

this is only my opinion, its your claim, you follow your instincts !

[Jake57]

Thanks for the guidance - the "high" rate of interest is based on what I calculated they were charging on the credit card, so I think it should be ok to use. I assume that I will add the "judicial" rate to the claim.

 

Should I move this to a thread of my own?

 

I have been struggling to understand this.

[fkerr1973]

I would start a new thread that way you'll get specific answers to your questions.

If you go to the HBOS section there are many more threads that may be of a similar nature and you might find your answer there too.

 

Good Luck!!!

[Jake57]

Got an e-mail from johniedepp asking for help, but can't find his message on the thread. Can anyone help so I can respond.