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change-itvHalifax(Scotland) WON !!!!!


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Just starting here(don't tell anyone but i have all my bank statements from 2000!)..just a pity I didn't read them and i might not be in this mess!!!

so I send the spreadsheet along with prelim letter to halifax...........Head Office or local Branch? ....Claiming around £2400, so do I claim £1500 and the residue at the same time or wait till the first is settled(of course it will!!:| )then claim the other.....or is it 3x £750 ??..oh it's late and I've been reading here for hours.so many nice helpul people.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Hi barbershop

My claim is for £2400 before interest! (yeee)

I understood that in scotland you couldn't claim for the full amount -only up to £750 or £1500 in small claims.

I'm sending my Prelim letter today and feeling quite pleased with myself-hopefully this will continue.

Thanks for your reply :) -yes I saw the programme last night.Also ,the billions of profits the banks make-the paybacks still would be a drop in the ocean to them considering all else over many years!

Getting on my high horse now!:-x

 

regards,

change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Mornin all

Just checking:???: -reading through threads-am i right in claiming ALL the fees at PRELIM stage and cross my fingers,then at summary claims stage(I'm in Scotland) detail £1500 and any interest on top and hope it doesn't get that far/

 

Any help or advice please will be greatly appreciated.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Thanks A D

 

I have family who live in England now so I'm sure they would be more than willing.

I read somewhere that you could use your own or the Defendants court (and a trip to see the family would be nice.)

I'll let you know the route I go down and how I get on.

 

Thanks again & I'll take up the offer to PM if need be.

 

change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Prelim sent and just playing the waiting game now.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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thanks bigmac

ive learned SOOoo much in the last few days thanks to this site and people like your good self.

still waiting............ and keep you posted.

change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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I just don't believe my luck:mad: .......My recorded delivery (Prelim enclosed) sent on 28/02 has not been delivered!! Wait 15 days and call back Royal mail say!!It may well still be delivered or else it is lost. .1 st class!!Don't know whether to wait or just send another Prelim.:mad:

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Update

-phoned Halifax and the nice lady there says they have received my complaint and a letter was sent out to me yesterday requesting me to give them time to look into it.............blah blah.

Thank goodness they've got my letter..I was panicking there

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Thanks AD lol:) I most certainly am......and the time they've got to look into it is ..5 days.. before my LBA goes out.

Good to know you're there

 

change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Update

- a letter was sent out to me yesterday requesting me to give them time to look into it.............blah blah.

 

snail post obviously:p

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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You're on your way Chancer;)

 

PS Still not received my promised letter!!.......slower than snail post!!

Anyway ..LBA goes out Thursday...hopefully speed them up a bit:D

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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.........yet again ... no letter received!!

Must be going via Australia.:p

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Thanks and............I got my letter today....letter dated 05/03/07...postmark ...12/03/07.LBA day tomorrow anyway..One more step forward.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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LBA sent off today. Getting there.:)

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Hi Lias mum

I wouldn't think it would matter-it is HBOS now isnt it.Just keep checking to see if its cashed.

 

change-it

 

 

Hi Chancer

It seems like ages to wait doesn't it ,but it'll all be worth it.:)

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Just thought I would point that out because I've got nothing better to do today!!!!!

 

A D

You're helping & supporting people on here!What better to do?:)

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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  • 2 weeks later...

Hi there:)

Had a call from Halifax offering £240 short of my £2300 claim(excl. interest)which I asked him to go and check because our figures didnt agree.I asked him to call me back today once he had checked which he said he would.

 

(BTW I had claimed 6 years not 5 as should be in Scotland! )

 

Now having doubts as to whether i should have accepted the offered amount as this would have been the 5 year amount.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Hello

Just had a call from Halifax offering £240 short of £2300claim. (excl interest) which i haven't quite accepted as the basis of the call was :

1. To let me know that they didnt have details before 2003!!!!

2. to give me an offer.

I said no probs I had all the statements we could go over them on the phone,he said it was ok he would look into it. I asked him to call me back today which he said he would...........

 

BTW........ I had asked for 6 years not 5 as should be in Scotland!!The amount offered is nearly the 5 year total.

Thinking now i should have accepted!

 

(See how Ive got to this point in my thread in the Halifax forum.)

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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True to his word he did call back to say he still didnt have the other charge details so he would call again tomorrow!

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Thanks Bigmac (aka Herald centrefold)

My sentiments exactly but would I need to reduce claim to 5 years then?

My thinking is I'd probably need to claim thro' FOS too ?(as claim is £2300)

 

The bit Xtra would be nice!

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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hi hardcore

Thanks Looks like it will be soon! yippee altho ive got a huge overdraft to clear!!!so wont see much of it.:( But it will be great to be in the black again!!(well sort of!)

In scotland we can only claim up to £750 or £1500 in small claims court so not as good as £5000 in England!

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Well my time has come to say:

 

YIPPPEEEE I WON :D

Phone call this morning (8.40!!!! are they keen to give me money or wot!!)to offer FULL amount. Didnt take long to 'find' the other statements and 'manually' add them up from after 6pm last night......sarcasm ....sarcasm....

However said am gonna continue claim until money received, 14 days he says....watch this space...

 

BIG BIG MEGA thanks to ALL on this site..... the support and help is wonderful.

And BIGMAC..thanks for last nite...(so to speak:p lol) Will PM you.

 

If I can do it ANYONE can .DO NOT GIVE UP.

Regards,

a very happy change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Thanks Stevo!

They called this morning offering FULL amount! YIPPEEEEEEEE

Didnt take long to find those missing statements!!..................or could it be my LBA is up tomorrow and his fob off diidnt work with me?..............hmmm I wonder.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Thanks Seaside you're a great support and will do.

  • Haha 1

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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I believe in fairies etc.:)

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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