hidden_angel v halifax won today !!!!

[hidden_angel]

i rang halifax customer relations today cause i have had no acknowledgement as promised after 5 days after sending my second letter , i said to the guy on the phone can this not be resolved while we are on the phone , he said no cause i can only go back a year on my accounts , are they just holding fobbing me of ? and how long do i leave it till i send my 3rd letter ?

[dx100uk]

total of 40days since cashing of sar cheque

 

dx100uk;)

[sea-sidelady]

3rd letter??

[hidden_angel]

well the lady on the phone told me 5 days for an acknowledgement and then 80 days to sort it , isnt the 3rd letter stating that they have ignored the second one and threatning them with legall action, and i thought it were 14 days i had to give them.

[sea-sidelady]

Sorry hidden,

because you have so many threads i was finding it hard to know where you were up to.

Please try and stick to 1 thread as you can get the help you ask for this way.

It gets vey complicated to follow your progress.

 

Ok so from what i can gather, you have sent your prelim and 14 days later you sent your lba.

 

If this is the case, 14 days after lba you can file at court, mcol or N1.

Haliprats dont have to acknowledge any letters.

 

If you need any more advice please stick to this thread and we all can see when you need help.

[hidden_angel]

i sent my second letter on the 21st with my spreadsheet , so do i leave it 14 days from the 21st ? also i have just rung halifax to request my halifax visa statements and she said that it now costs 100 quid ??? i said to her by law you cant charge me this much she said since the oft have dropped the charge limit they can do this ?

[sea-sidelady]

Dont bother phoning. Send the S.A.R with your £10. This is legally all the can take. So take no notice of that conversation, they are trying to fob people off.

 

So if you send your prelim letter on the 21st, then only leave it 14 days, you might recieve a letter saying they have 4 or 8 weeks to comply, ignore it.

 

Your lba needs to be sent on the 7th March. Then if nothing comes of that you can file at court on 21st March.

 

I hope this helps.

 

____________

If i have been any help please click on my scales....... .....Thanx

[hidden_angel]

she said credits cards are different and they charge £5 quid for each monthly statement , spoke to different women and both said the same , 1 did advise me that i could request a credit report which would show all my defaults and show the amout where i have defaulted , would that be good enough ?

[hidden_angel]

i sent my second letter of on the 21/02/07 with the spread sheet with the total amount on , i have just rung customer relations with whom said an acknowledgement as been sent of today stating they will look into my claim in the next 4 weeks , do i wait this long , if not which letter do i send now ?

[stevesj]

No - stick to your own time scale, this is a standard letter - and given that all and sundry are after them, they need the time anyway.

 

It's to your advantage and the 14 day limit you state that will prove the dividends in the end. They won't wan to pay any extra, will they?

[hidden_angel]

so which letter do i send next ? and when ?

[stevesj]

you may wish to consult the processes laid out in this forum -

but I've gone down the routeway of: SAR - statements - calculate reclaim, plus interest accrued. Add to schedule and send with prelim letter stating you're giving them 14 days to reply. After 14 days do a schedule (same) and attach to Letter before Action giving another 14 days (28 days in total, plus a couple for post time), this letter states that if they do't respond favuorably your goig to court. Next stage - MCOL or N1 etc at small claims stage.:-|

 

or try this link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

[hidden_angel]

hi , i am a week away from filing a claim to court , now i have read over and over the links and just cant get my head round it , do i file and fill out a claim on line ? or go to my nearest court and do it , if i do it on line what form and where do i fill it out ? sorry to be so thick lol

[Aaronsdad]

All the info you need is in the library.

 

Here is a shortcut

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

https://www.moneyclaim.gov.uk/csmco/index.jsp

 

You can go into MCOL and practice or you can just do a bit of your claim at a time.

 

As usual the best advice is read, read, read

 

A D

[texel]

You can always go to the local court these folk are very helpful and will help you fill out the proper forms just ask for the small claims dept. I did that myself when I started as I am a bit thick at times but now it just rattles off thank goodness. Best of luck If I can be of any help just let me know

[hidden_angel]

does it not cost you more if you do it personally ? do you pay on the day you go to start a claim ? do you need an appointment ? lol

[hidden_angel]

what does reference details mean on the on line claim ?

[hidden_angel]

anyone no what the daily rate is to put in my claim ?

[hidden_angel]

right got to the last page and it wont save it , comes up with red stars next to Particulars of claim and amounts and where i have signed ? grrrrrr

[texel]

hidden angel

 

AnswersNo 1, it does not cost more if ou do it yourself

You do not need an appointment to see the sheriff clerk to get papers filed

2,Can't answer that as I have never filed on line always went to the court or mailed the papers to the court

3,With regards to finding the daily rate. Get you last statement ( c/c) on it it should say interest rate. If it is yearly divide by 12= monthly divide by 365= daily Mult. the daily rate by the number of days since the charge and that is the amount you charge along with the figure charged eg £309.00 etc. Hope this helps.

[texel]

woops made a little mistake in the previous email I meant £ 30.00 not £ 309.00 sorry

[hidden_angel]

i have just settled with halifax on the phone and not had to file to court , from reading other threads on here i gave kim hollyoaks a rang on 012123410685 and she rang me back within half hour saying she would offer me partial payment , claim was for £684 , i told her except £650 to endure further hastle , she said that i didnt need to sign anything and my money would be in my bank within 14 days but she said they are doing it quicker at the moment we will see when it turns up .

[jaxads]

WELL DONE !!!!!

 

 

Enjoy

[moses]

Nice one hiddden angel- you've obviously got friends in high places!!

[moses]

thanks for that angel have just phoned that number spoke to Mark Scott and asked him to refund 2 £39 charges recently added to my account & said it seemed a bit silly to start a new claim for such a small amonut & he said Ok this time but wagged his finger a bit ..managing a/c properly in the future etc.. will take a couple of days to reach my a/c!! Brill many thanks