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Drowningindebt v Halifax II


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I have started a thread under my Halifax bank forum-

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/66868-drowningindebt-halifax.html

 

and didnt reliase it was different in Scotland. Having read other's threads it seems the limit for this is £750-1500. I havent received my statements back, but I am almost certain it will be more than that amount!

 

Has others in Scotlands claimed more than this and how did they go about it?

 

I have relatives in England that I can use their address and I'm prepared to travel to England for a court case if this makes things eaiser.

 

Any advice would be greatfully be received.

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read this thread:

 

http://www.consumeractiongroup.co.uk/forum/nationwide/30855-debt_mountain-nationwide.html?highlight=morpeth.

 

This poster was based in Scotland but took an English based institution to court in England. he used the Court (Morpeth) nearest to him over the border.

 

If you do this, it means you can use the 6 year rule and the limit is £5 grand. :D

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Fantastic help and if my claim is big enough I will go down this route as well,I'm just hoping others who have done the same can give me a bit of advice. I suppose it all depends when I get my statements! I will keep you all up to date

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i was pretty lucky , i was ready to do 2 or 3 claims thru court but it didnt get to that stage thankfully.

 

good luck which ever way you proceed :D

16th Jan - initial letter sent

31st Jan- lba and copy of 1st letter emailed

1st Feb - email read by sarah worboys, but not ackowledged nor replied

15th Feb- emailed a courtesay letter reminding them of pending court action

19th Feb- missed phone call from hbos

20th feb - recvd offer for 1423, rejected by phone and offered full 2751

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  • 1 month later...

Got my statements through today and I have a few questions-

 

When can I claim from?

I am going to be claiming for the six years (despite staying in Scotland), at what stage will they need to know I will be going through the courts in England if need be?

Will I highlight the charges I am claiming back and send them all my statements back or just the ones with the charges I am claiming?

Will I send the orgional statements and should I photocopy them?

Also on the statements it only states "Charges as notified" how do I know what it is for, or does this not matter?

 

 

Many thanks in advance.

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