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MacBoy Vs. Halifax and Hello To the Group!


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still underway - I've targeted myself to get the Prelims done for both the Current acccount and the CC this weekend :D I'll also start work on drafting the POCs, because I doubt Howard's going to tip up that easily :lol:

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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  • 4 weeks later...

Fantastic thread and very inspirational to everyone who has been treated shabbily to keep going.:grin:

Well done to Macboy for getting them by the short & curlies and not letting go.:grin:

I have just recieved a letter from BOS kicking out my claim against them for over £20K because the charges happened more than 6 years ago but this thread has given me the belief to keep at them to get back what is rightfully mine.:cool:

More reading up on this forum then a reply letter off to them.

Cheers again.

And thanks to tilly for directing me over here.

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Thanks for that AC2007 - have a look at my 'Subject Access Request - Response to Incomplete Disclosure' letter. Consider sending this to them and simultaneously filing an immediate complaint with the Information Commissioners Office. When And How To Complain Guide (well worth a read) here and complaint form itself here (Word); or here (PDF).

 

Now go get 'em! Good luck and let us all know how you get on ;)

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

Nice to see you around Mac, you have been very quiet lately.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thanks SSL

 

Busy boy at the moment, on all fronts :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

So you wont be showing up at any of the cag meets then?

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Why thank you, Ms Trotter... :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

All

 

Just about to send off my Prelims for the CC and Current Accounts and wondered if we have an 'interest Guru' around who might be prepared to have a look at my workings beforehand?

 

I have all the data (charges and dates) entered, I'm just not sure the s/sheets I am using were engineered for pre-6 years claims; and I want to make sure I'm claiming back all I can be in terms of both interest on penalties and S69 at the Court stage.

 

PM me if you' have a bit of relevant knowledge and would like to help!

 

Many thanks in advance!

Mac :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

TYVM I have sent you a PM Stone

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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I have answered yours Macboy. Looks pretty straight forward.

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Many thanks UKAV

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

looks like your sorted now then :D

 

Yes thanks, Tils - UKAV is pointing me in the right direction with this interest questions I think :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Help! :(

 

I'm getting in a bit of a flap about o/d interest again. I'm not sure whether the spreadsheets are designed to go back as far as my claim (20 years in my case).

 

I've tried the advanced one and that produces a different figure in the for the interest on penalties in each of the 'charges and interest' and '8% interest' tabs. I'm not even sure what o/d interest rate is assumed by this spreadsheet.

 

I've also tried a completely different sheet UKAV very kindly gave to me but this seems to use a entirely different method, whereby I have to try and estimate my average o/d balance for the month and I'm not sure exactly how to go about this.

 

I'm half-tempted to say 'b*gger it' I'll just go for the principal with no interest, then the judicial if it goes to court. But then I think about the way these people have siphoned money from me over the past 20 years and I think should very definitely claim back the interest :mad:

 

Anyone out there willing/able to take a quick peek at my sheets and help me sort this?

 

Thanks in advance

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Now what's all this Mac? I never thought you would concede defeat in a million years.

I'm no expert, but I would most likely think that all the s/sheets stand at 8% interest. I'm sure UK can help you with his sheet, I personally used the simple charges calculator s/sheet as it was much more straight forward to understand than the complex one.

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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Oh I can assure you I'm no way condeding defeat, Ja-de :D Cavalry is on its way to help apparently and I'm grateful in the extreme for that!

 

Although I understand the arguments for charges, o/d interest, judicial and contractual interest, I'm not sure that the sheets I'm using are calculating this back as far as my claim goes. Current thinking is that I'll probably go for charges +simple o/d + S.69 and forget contractual.

 

I'm sure I'll get there in the end though and thanks for the encouragement ;)

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

I'm sooo glad to hear that, & I'm sure there's someone here who'll be able to help.

  • Haha 1

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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OK

Fellow-flyer UKAviator and Photoman have both come to the rescue over the past few days with regard to the spreadsheets and interest calculation - and I'm pretty much set on my course now - I'm going contractual on both the current account and the card; and of course will be claiming both all the way back!

 

I have plenty of reading to do and hopefully will get my re-worded prelims out this week and start drafting the POCs in time for just after the hols :D

 

Thanks again, guys and gals for both the material and the moral support ;)

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

i knew you would get there in the end mac :D looks like

we could be filing at the same time:o

 

God help the Judiciary in that case :rolleyes: Not to mention the banks!:D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

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