miz_print V halifax **WON**

[miz_print]

Hi all, just a quickie to let you know i have just posted off standard letter asking for statements/charge details and praying i don't have to wait the 40 days, i expecting this to be a very big claim as i got in a mess through selfemployment etc and halifax didnt put a overdraft on my account (which i am now glad about) so lots of directdebits were been missed resulting in charges for even £1.50 short!!! anyway this lead to a spiral effect never getting out of it,i worked out just from 1 years statements that i could get online at £3.450!!! and i bet the other years are not far off! i bet it is going to be around £20,000 and i am very nervous that i will be the one they make the example out of!! i also wanted to ask someone if they know can i claim such a large amount through the moneyclaim website as i thought in a small claims court it could only be claims up to £5000?? please help its already worrying me to death!!

thanking you all (great site by the way) miz

[sea-sidelady]

Yes you can claim up to 100.000.

 

It will just be put through the fast track.

[miz_print]

Hi and thank you for that reply,if it had to go to court what would that mean? it wouldn't be able to go through small court would it because of the size?

[matt-man]

Hi Miz,

 

The bottom line is that they would still have to prove that the charges were lawful and a true representation of costs incurred by themselves in returning a DD or cheque. If a judge rules that they were unlawful then every single customer will want refunds and that would just be too costly for them.

There are some threads on here where people have claimed for this kind of figure, don't know which ones so you'll just have to have a dig about, you'll see what they did.

Good luck!

[miz_print]

Hi all just a update got my statements got near the 40 days and decided to ring them and was told i sent the letter to the wrong address (i sent it to the card one in dunfermline) instead of the trinity road one, but a few days later they all came anyway totalled it up to £11,179 not as bad as i originally thought but bad enough, sent my letter along with list of all the charges,they got that friday and this morning (24th april) got the standard letter saying they are sorry to hear about my complaint blabla and they have 8 weeks to investigate it acording to the fsa! is this right and have i to still stick to the 14 days? the send the second letter? thanks in advance

[rockinrodders]

Hi, Dont worry the 'We'll look at it and get back to you in 8 weeks' is just the standard BS they give. Stick to your original 14 days and send the LBA.

[**Tilly**]

good to know someone else has got a big reclaim mine came in at 12.370 good luck with you mission

[miz_print]

Thank you for replying, thought it was standard letter but thopught i had better check, nice to know there is someone else out there with similar size claim too tilly, counting down the days, should the next letter be same as second letter or just a court action one?

miz_print:roll:

[**Tilly**]

hi miz-print my LBA date is this friday and then its the court one i think it will good to help each other along the way i wonder if we get an offer from them before deadline will be interesting

[miz_print]

Hi Tilly49, you are a week before me then so i will keep my eyes open,i bet they wait till court action though they like to drag their feet just a waiting game now, keep me posted on any letters or phone calls you get

miz_print

[**Tilly**]

hi ya miz-print yea dont like waiting games much but will kkep posted on any letters or phone calls i get

[**Tilly**]

hi miz-print had a shock today done my interest sheets added up to quite a tidy sum thought id do them out of the just in case i need them think i might now looking at the amount bumped it up another three grand

[miz_print]

Hi Tilly49 any news yet? i myself did the interst too which puts my claim should i have to issue court proceedings at ;£13,486! i didnt realise it would put quiet so much on, poor halifax what a shame

miz_print:grin:

[**Tilly**]

hi miz-print sent lba of today my interest brings mine up to £15.000 good a my heart bleeds for them not printed out all my interest ready to go if need be got a feeling i will have to file court papers but ha ho if it gets my charges back needs must they want a fight they can have one:lol:

[**Tilly**]

hi miz-print just thought keep you up to date i rang halifax on wednesday nightmare trying to get through but spoke to a nice guy told me they were dealing with my claim should hear by wednesday 9th may funny though lba ends on the 10th looks like court is looming let me no how you get on

[miz_print]

Hi tilly, i was thinking of ringing myself too i sent lba this friday 4th may might try with the phonecall next week, i wish they would sort something out though rather than the court thing, are you going to use moneyclaim? it sounds so complicated dosnt it? let me know:-| keep me posted and i will you too

miz_print

[Bigmac versus]

miz print all the help you ever need is in this site, any probs ask away.

[**Tilly**]

hi miz-print not sure wot to use n1 or mcol looked at the interest spread yesterday they were confusing as well

[miz_print]

Not a peep from anyone as yet halifax will have got my nice letter though only on friday so suppose got to give them time but reading up on court stuff just incase you would think by now they know how its going to end so why not just get on with paying up!

[**Tilly**]

hi miz no the feeling they only until thursday to teply to my lba file court papers on friday decided to do the n1 in the end seemed easier let us no wot one you decide to do and if you get a reply from the dark side

[miz_print]

Of course i will let you know if i should hear anything tilly hope you do! i was shocked that it is going to cost you £400 though to file the claim that is alot is it as much via mcol? wish i was brainier then it all might seem like a doddle its this court thing im not scared just hate forms and im scared to death of getting it wrong

[**Tilly**]

i also panicked when i started with the court papers but there are a lot of peeps here that will help you i found that out they are great i wrote mine out before printing just in case .forms are not my best subject either and i think the fees are the same for mcol it was the interest that bumped my fee up yours should be a bit less im applying for exemption of fees fingers crossed

[salisburyowl]

Hi Miz

 

I filed in court today using the N1 forms, they really are easy to fill in. Just yell and we'll help you to fill them in. I hate forms but these are easy...honestly

 

Owl

[miz_print]

Aww thank youuuuuu both, i will tackle it i am going to try a phonecall friday first though, you never know

[**Tilly**]

hi miz tried that today all i got was we got 8 weeks and who told you any different so told her i was filing friday she said ok