des celt v Halifax

[des_celt]

Hi, all, am just putting together my schedule of charges and the prelim letter and I have a quick query that I am hoping someone can help on. I have two current accounts with the Halifax, a single (mine) and a joint (mine and my husbands) account. Can I combine both of them in one single claim or should I do two separate claims?

 

Looked everywhere and can't seem to find the answer to this - apologies if it's a daft question.

 

 

 

Thanks

 

Des

[crashbandicoot]

Des, mine was exactly the same and I combined and claimed the two together, even though they sent me two sets of letters for each account. If you do it separately, you'll have to pay two lots of court fees too. That was my thinking, so I kept it as one, and have recently had my claim settled in full. As long as you state both the account details in every letter, it's fine.

[hidden_angel]

i sent 1 claim to start of with for 1 account i have with them and i had intentions on sending a seperate claim for account number 2 , but when i rang to ask if they had received my letter the lady was very helpfull and said cause id sent 10 pound and they only charge 5 she would put a note on my account and automatically send me statements for both , which i received monday gone

[crashbandicoot]

Yes hidden, sometimes if you call them they do send out statement for other accounts, but in effect, you only need one £10 for any accounts you hold with them..I didn't have to pay any extra than the tenner, and got info on both accounts with the one S.A.R.

[hidden_angel]

what do i about my halifax one card cause i always get the impression it is nothing to do with the bank , would i have to send a seperate claim to the address stated on my regular statements for this 1 ? i pay 40 quid a month into that and every month i get 2 charges of 12 pound so not alot is being paid of it due to overlimit fee and late payment fee

[crashbandicoot]

what do i about my halifax one card cause i always get the impression it is nothing to do with the bank , would i have to send a seperate claim to the address stated on my regular statements for this 1 ? i pay 40 quid a month into that and every month i get 2 charges of 12 pound so not alot is being paid of it due to overlimit fee and late payment fee

 

 

Hidden, to avoid trying to hijack des's thread (sorry des!) give me the link to your thread and I'll respond on there....

[des_celt]

Thanks Crash

 

I'll do one claim. I was leaning that way. Must admit it was the thought of 2 court fees!!!

 

Congrats on getting your claim settled. Keep your fingers crossed for me. Off now to print it all out and send it tomorrow

 

 

Cheers

[crashbandicoot]

Excellent...good luck

[des_celt]

Been a while since I've been on! Internet/computer problems since Vista:mad: . However luckily my techie partner under undue stress from me has now fixed it all because today is my deadline from the prelim letter.

 

So I'm putting together my LBA and I have a question which I'm hoping someone/anyone can answer before I finalise - If I am not in default do I have to put the following section?

 

"plus a claim under ss.7 and 13 of the Data Protection Act 1998"

 

If I do have to put this in can someone explain exactly what it means please. I've searched but all I'm finding is threads about defaults.......

 

So would like to know exactly what I'm threatening the bank with!!!!

 

thanks

Des

[crashbandicoot]

No des, exclude anything that doesn't apply to your own situation. That bit is in red, as is the rest of the stuff relating to a default, so you should scrub those bits out since it's not applicable to you.

[des_celt]

Thanks crash, you're a star :) I did think it was not applicable to me, I just want to make sure I get everything totally right.

 

I was going to ring the Halifax before the prelim deadline expired to see if they wanted to settle, however with no net access I couldn't find a decent number to ring. So I think I'll wait for another few days before ringing to see if they want to settle.

 

Must admit the thought of going to court is quite scary!

 

Des

[crashbandicoot]

Des, not much point wasting your breath calling them, on the very few occasions they might settle early but in majority of cases they take it right up to a few days before the court hearing date.

 

I know the whole court thing is scary but we're all behind you and it is highly unlikely you go anywhere near one!

 

Keep up the faith!

[des_celt]

Thanks for all the info. I feel like you're my personal expert!!

 

I'm reading and rereading the threads and sometimes it just seems so confusing and mixed. Some people seem to just ring an 0845 number and get money, others don't receive any response at all and others seem to have personal relationships with some halifax advisors!!!!.

 

I think I'm falling into the no response category. I've heard diddly squat. I've started to make notes in a document now so I can manage to do the court filing stage ok without information overload.

 

The faith is being kept and I'm converting others to the claiming charges belief :grin: :grin: :grin:

[hidden_angel]

hi des , i just got a settlement from the bank on monday after ringing kim hollyoaks , she will personally look into your account on ringing her and what she did with me was ring me back within 20 minutes and said she would only offer partial payment , i said no chance , then she asked me how much i would settle for , the claim was £684 , i said £650 and she agreed straight away , i thought rather than have to file to court id settle

[hidden_angel]

sorry the number is 012123410685 , kim hollyoaks .

[crashbandicoot]

Thanks for all the info. I feel like you're my personal expert!!

 

I'm reading and rereading the threads and sometimes it just seems so confusing and mixed. Some people seem to just ring an 0845 number and get money, others don't receive any response at all and others seem to have personal relationships with some halifax advisors!!!!.

 

I think I'm falling into the no response category. I've heard diddly squat. I've started to make notes in a document now so I can manage to do the court filing stage ok without information overload.

 

The faith is being kept and I'm converting others to the claiming charges belief :grin: :grin: :grin:

 

Lol Des, it's easy to follow threads you've responded to as you get email updates, that's why I always pop back in! It is all very random I'm afraid, some people do get lucky, others have to wait. You just have to be prepared for the long haul really, anything settled sooner is a bonus