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Hello

 

This is the first time I have used this e-mail. I would like to share with you my story with the Halifax. After watching the progamme about bank charges in June 2006 I wrote to my bank to request for inforamtion about all the bank charges they have charged me over the past 6 years. I have got this inforamtion and I wrote to the Financial Ombusman who took my case up. Anway I did get one of many letter of a "Good well Gester offered money but not the fully amount when i asked how they came about offereing me £450.00 I never got a reply.

 

So this year Jan I went to the small claims and I got a reply via the court that the bank has until 16th Feb to reply. The bank replied last week that they are goind to defind this case.#

 

Has anyone got any advise on what I should do now or what I should accept from the banks.

 

Any advise/support would be welcome.

 

Regards,

 

holly Essex

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Standard stuff Holly i wouldn't worry to much.

 

You do however need to prepare for court, even if there is a 99% chance of the settling beforehand. So, you need a copy of all the statements with the charges on and a court bundle...

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Preparing a Court Bundle

http://www.consumeractiongroup.co.uk/forum/barclays-

bank/29032-help-preparing-court-bundle.html

I have already had payment from the Halifax and they paid me the full amount 2 days after the same letter that you recieved....

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Thank you for your support. however I am a little concerned that my case will be the one that they fight and attend court with thier legal team. The sum is for £5,500 which is over 6 years for 6 ac****s. please advise me as I am a little confused as to what to do next I have already given my paper work all 100 pages to court with an extra copy as I was advised. What do i do now???

 

once again this site is GREAT and lots of people that are supporting each other POWER TO THE PEOPLE.

 

Look forward to hearing from you for my next move against Halfiax

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Don't worry, you won't be the one that goes to court. You are now at the stage where it should just arrive into your account, so keep checking..

 

Its just a waiting game now.

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Dear Josamolly,

 

Many thanks for your warm words of encouragement. I am a little worried how do you know I will not be the one going to court? Just read all my paper work (2 copies) that I sent to the court it looks ok to me but I have noticted on this website that I have to prepare myself for court

 

What should I do now?

 

Many thanks for your support

 

Regards,

 

Holly - Essex

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I don't know Holly. But what i do know is over 5000 on this site alone haven't seen the inside of a court, so i think you are worrying unduly..

 

The preparation includes getting a court bundle together, having a read of it and getting copies of your statements together..

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Preparing a Court Bundle

http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html

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  • 3 weeks later...

Just wanted to get some fed back from you!! Halfix should of replied to the court by 18th (today is 21st) I will send the reply slip to the court to action within 7 days.

 

Has anyone experienced this stage of the court proceedings

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You should be able to apply for a warrant of execution if they have not paid up.

Send the baliffs round....and add the costs of the warrant !

Your thread moved here to Halifax Bank group.

For info on the warrants have a look on hmcs website and click on forms then type in EX322 also have a look at EX321

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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