Enough Is Enough - Settled In Full!

[Mariana]

Yes, Spiceskull, your assumption is correct. All interest calculated on the spreadsheet and have "reserved the right to claim interest" on MCOL.

 

Thanks for the confirmation.

[Spiceskull]

Great - go get 'em.

[brispie]

Go Mariana!

 

I got an offer of £210 against £1,474 worth of fees. I'm certainly going to pursue this further.

[Mariana]

Go Mariana!

 

I got an offer of £210 against £1,474 worth of fees. I'm certainly going to pursue this further.

Definitely and well done for perservering!

Update...

In response to my husband's LBA, Halifax increase their "goodwill gesture" from £400.00 to £1750.00 as "full and final settlement" and in order to reach an "amicable settlement".

His MCOL is due to be filed on Monday, should he just go and file today? I can't see that they will change their minds by Monday ....

Any advice warmly welcomed .......

[jackie123]

I have finally passed go, and sent the DPA today. i will not be giving in. i know its not going to be that easy but the fact that i can actually do something feels GOOD

[Mariana]

Husband's claim filed today for £4901 + int + costs.

 

Now my nerves are up the creek ................

[Isiris]

Marianna

 

Im in a similar situation to you but I tell you something...

 

...I feel sorry for Halifax taking you on.

 

You go for it

[Mariana]

HEHEHE! Thank you! The air of confidence around me is only an illusion!!

 

I have just been reading the FAQ and RULES OF ENGAGEMENTS again, I think everyone reaching this point feel that THEIR case is going to be the first one to reach an actual court .... ....

 

Interesting enough (I forgot to include this in my earlier post) is Halifax's reply to my husband's request to remove the registered default notice ... I quote...

 

"...Kindly note that we do not register information on your CRF regarding charges, and I am happy to inform you that no such information has been registered in this respect..."

 

Great news! No phone calls today!!! YIPPEEE!

[Spiceskull]

Don't be nervous...be a winner. Good luck, they should settle not long after acknowledgement...

[Mariana]

On Saturday received lots of letters from Halifax! One increasing their offer to me from £200 to £1306. This letter included statements relating only to my cardcash account!!! AARRGGHHH! I desperately want my current account statement as I am due to issue proceedings on Wednesday for charges since September 2005. Wendy, the lady I spoke to this week, did action my request while I was on the phone, so I hope that this will be forthcoming.

 

Also, had an automated letter advising me that I will be charged £28.00 for being overdrawn ....! Funny that, as the letter I sent last week telling to stop phoning me, also stated that they have to remove all charges for May ...

[Mariana]

Received confirmation from Northampton County Court confirming claim has been filed and is considered served as of 10 June 2006.

[Spiceskull]

Attagirl - it's tough, it may get you down, but you are right and they are wrong. Go gettem'!

[clarkey1]

Stick with it Mariana, not long now and you should have a better bank balance.

[Mariana]

Thanks for the words of encouragement Spiceskull and Clarky1!!

[Mariana]

Checked MCOL - my husband's claim was "Acknowledged" yesterday.

[Tosh]

Apologies for cluttering up a great thread, but Marriana; this is a great post; stick at it... I can't wait to see you win and read your subsequent thread.

[Marilyn]

oh god lm so glad l found your thread, its full of useful advice and it helps when you hear what other people have been through with the Halifax. lm still in early stages of my action, got statements with 14 missing pages and nothing for may. Deadline 28 June, which l have reminded them of in emails to which l received no acknowledgement or reply, how surprising is that????

 

l will certainly keep uptodate with whats happening with you and your copies of letters are real good, and with your permission would like to use them to further my action with the greedy b******s....

 

Again thanks for keeping us informed of your progress and giving us all hope when you start to feel overwhelmed.

 

Marilyn:D

[Mariana]

oops

[Mariana]

Hi Marilyn!

 

I am so glad that I am not alone! Yes, please, use the letters to your advantage, the templates are from the library, which everyone just tweak for their own individual situation.

 

I will keep an eye on your progress aswell.

 

Update .....

 

I telephone Halifax on Thursday, after I received a SECOND set of statements relating to my CARDCASH account. I spoke to Helen Kirwin (who was very nice and helpful) and today, I received a very nice printout of all charges (94D) incurred on my Current Count since March 2001. A staggering £4,159.00! That would make my husband's and my claims at almost £10,000.00!

 

Received the letter from the court today advising that an acknowledgement has been received with the intension to defend the whole claim.

 

I will have to wait until I get some money in now before submitting my claim on MCOL.

 

Remarkably, after some fabulous advise from Spiceskull, when I was close to tears after received yet again another upsetting call from Halifax, no more calls have been received since Friday! Spiceskull advised that a further letter to Halifax be sent recorded mail (which I did to Retail Bank Collections, my branch, and a faxed copy to Customer Relations. I did the letter at work and will post a copy of it when I am back on Monday - FYI.

 

Anyways, I am going to enjoy the weekend, fabulous weather and BBQ (or braai, as we South Africans call it)!!

[kirky]

Like yourself, I feel now that enough is enough. I have been going through a lengthy divorce, suffered badly at the hands of several banks, mainly the Halifax, and am being harrassed 2/3 times a day, most days including weekends and bank holidays when they say they can't wait the few weeks until I get my settlement and want an immediate payment.

 

I too have no money, DD haven't been paid, including our mortgage, but we have again been charged excessive fees from the banks and also now from our other lenders, car insurance, mortgage etc., you know the score.

 

I am so angry now that I am going to have to do something about it. I am so stressed that I burst into tears at the mere mention of finances and the CAB previously advised me to go bankrupt saying it would only stay on my records for 12 months, I don't think so, do you.

 

Any advice greatly appreciated and great to know we're not on our own.

I was desperate too, but got in touch with the CCCS - they were brilliant - you get a named person for contact and they do all the leg work for you.

http://www.cccs.co.uk/

[Marilyn]

Hi Mariana

 

Like you enjoyed the good weather and the footy result today!!!!

 

Are you claiming separately for you and your husband's a/c????

 

Like you l was bombarded with calls, sundays, bankhols and evenings, it got to the stage where l was frightened to answer the phone and got the kids to tell them l wasnt in, working all the usual excuses, l hate dealing with them on the phone they are so intimidating and l end up agreeing to anything just to get them off the phone, which is what they want and they are so bloody patronising, as if your are the most dumbest person living, l know lm not but l end up a blubbering wreck after the calls. Thankfully they have stopped calling, think they got the message that l didnt want to speak to them.

 

When l got my statements l noticed that even though l hadnt paid any money in since last august they continue to pay a DD and STO that l had forgotton to cancel and so l have incurred no end of charges because of this. They certainly know how to get their money, reminds me of that advert thats on, Nationwide, about the stroppy bank manager, especially the one where the woman asks why they charged her for taking money out abroad.....l suspect thats the reason why we are all charged so much so they can all have a p* up at the end of the year, a nice Xmas Dooooo!!!!!!!!!!!!!!!

 

l'll be watching your progress with interest and wish you all the luck in your action against the (edit) faceless bureaucratics!!!!!!!!!!!!!!

 

Marilyn

[96lwilliamsd]

Hi Mariana

 

Sorter near the same time as you Done money claim on 10/06/06 Claiming nearly £1500.00 going to be debt free Yipeeeeeeeee. just in time got my first baby on way in september

 

GOOD LUCK

[Mariana]

 

Are you claiming separately for you and your husband's a/c????

 

Marilyn

 

Hi Marilyn

 

Yes, have split husband's claim in two - first claim for £4,901.00, and second to be made £1,600.00. My claim will be for £4,700.00. It goes without saying that we are NOT the best administrators when it comes to financial issues. Did also not help that we had two children in the space of 4 years, and got posted back from Germany!

 

I think Halifax's behaviour is appalling and I don't understand that if nothing was in your account, how could they still pay the d/d and s/o?

[Mariana]

Hi Mariana

 

Sorter near the same time as you Done money claim on 10/06/06 Claiming nearly £1500.00 going to be debt free Yipeeeeeeeee. just in time got my first baby on way in september

 

GOOD LUCK

 

Hi 96lwilliamsd. That would be a good position to be in - debt free! It will help so much - babies are very expensive! Good luck to you too!

[Mariana]

Remarkably, after some fabulous advise from Spiceskull, when I was close to tears after received yet again another upsetting call from Halifax, no more calls have been received since Friday! Spiceskull advised that a further letter to Halifax be sent recorded mail (which I did to Retail Bank Collections, my branch, and a faxed copy to Customer Relations. I did the letter at work and will post a copy of it when I am back on Monday - FYI see below)

 

HARASSMENT BY TELEPHONE

 

Account Number: XXXX

Sort Code: XXXX

I am writing to express my serious concerns regarding the quantity, frequency and general aggressive tone of telephone calls that I have received from Halifax’s Retail Bank Collections department.

 

I have written to you on 30th May 2006, a copy of which is enclosed for your ease of reference, in which I request that these telephone calls stop. I have also verbally requested that these stop, but I am still receiving calls, the most recent being today at 12:36, which was a particularly aggressive and upsetting call. I advised your employee that I previously requested by letter that all correspondence should be in writing. She responded by saying that telephone calls will continue regardless of the contents of my letter. She was rude and aggressive and did not seem to take notice of was I was saying. Accordingly, I was unprepared to continue in such a manner and informed her that I was terminating the call with immediate effect.

 

I now formally demand that these phone calls stop immediately. I am familiar with the terms of Section 40 of the Administration of Justice Act 1970, the Protection from Harassment Act 1970 and the Malicious Communications Act 1988. I believe Halifax’s behaviour is in breach of these acts.

 

If Halifax plc or their agents continue to call, they will also be in breach of the Wireless Telegraphy Act (1949) and, as such, I will report Halifax to both Trading Standards and The Office of Fair Trading.

 

Halifax plc will be deemed to have been served notice of my request no later than 2 working days after postage and I am advising Halifax that any calls received after this date will be recorded with the intention of them being used as evidence against Halifax in a court of law.

 

Furthermore, Halifax has informed me that a default notice will be issued if the account is not cleared immediately. May I remind Halifax of the guidelines that have been put together by The Office Of Fair Trading where Creditors are warned by the Office Of Fair Trading that they should not: -

• Bring unreasonable pressure to bear on you in default of payment;
  
• Make nuisance phone calls, or use abusive or threatening language by letter or by telephone.

Also, this account is in dispute and any action Halifax plc in intending to proceed with has to be halted until this matter has been resolved. I have issued Halifax plc with a Letter Before Action on 24th May 2006, a copy of which is enclosed for ease of reference. Please note the deadline contained in this letter.

 

I spoke too soon - already had FOUR calls from Halifax this morning!