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Haigh 74 V's Halifax **WON**


haigh74
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haigh74

 

You do indeed need to get it right - it'll cost you to amend it once issued.

 

Have a steady, diligent read through this, and other N1 posts ... do not rush in to it ...

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

This thread is also useful:

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/71583-about-start-small-claims.html

 

Search for others. And yes, they will cash the cheque ...

 

HTH,

T.

"Weasel (n): any person or group that operates in that vast grey area between good ethical behaviour and the sort of activities that might send you to jail".

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:???: Really confused, i have had 3 responses to my claim for 2 bank accounts. 2 saying no go away you knew about the charges etc, came on different days and from different people, on Halifax letterhead. Am in the process of filling out the form to start court proceedings will finish this weekend. Then yesterday i get yet another letter on HBOS Headed paper from yet another person with a different list of charges for my 2 accounts one is the same anount as the previous list but the other accounts has another £350 worth of charges on.

 

Do you think i should phone and argue the case telling them they are appaling and they should sort it out and get back to me with my money.

 

or just start court proceedings, i feel i need to tell them how bad it is that they don;t seem to know what they are doing.

 

Does anyone have an advice for me?

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i have done as much as i can so now i am in the process of the N1 form but this is what has happened, i was about the send an email to someone at the halifax

 

On the 16th April I sent a letter to The Halifax requesting my bank statements for the past six years, I enclosed a cheque for £10 for the statements, and gave 40 days to hear from you.

On the 23rd April – telling me you are investigating

On the 29th April - I wrote again, as I had no real reply

On the 2nd May - I received a letter with 2 pieces of paper with charges for both my Halifax accounts. Not the statements that I paid for

On the 11th May - I get a letter saying further to your letter we are still investigating and will get back to you !! Confusing when already received what I asked for

On the 14th May - I wrote back to the Halifax asking for the Bank Charges that have been charged to my account for the past 6 years to be paid back plus the interest which I believe I have been unlawfully deprived of.

On the 7th June - I get a letter saying not paying up

On the 13th June - I get a letter on HBOS letter head, headed completion of request, starting due to a technical error I might not of received the info that I requested, which I did thank you but the list of charges were different, one account was fine and the other accounts there was a big different in the charges sent to me previously, which is extremely alarming and I a, really angry cos if I had not of got this last letter I would of just been trying to claim the previous amount which was wrong.

Confusing or what??

What should i do?

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Go for the one that has the highest charges - if, in the unlikely event of your and they appearing in Court, you can produce the evidence they supplied you with!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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This is my query....

16th April I sent a letter Halifax requesting my bank statements, I enclosed a cheque for £10

23rd April – letter telling me areinvestigating

29th April - I wrote again, as I had no reply

2nd May - I received a letter with 2 pieces of paper with charges for both my Halifax accounts. Not the statements that I paid for

11th May - I get a letter saying further to your letter we are still investigating and will get back to you !! Confusing when already received what I asked for

14th May - wrote back to the Halifax asking for the Bank Charges that have been charged to my account for the past 6 years to be paid back plus the interest

7th June - I get a letter from 'Sorry you are not happy we are in the right and not paying up' blah blah

13th June - I get a letter on HBOS letter head, headed completion of request, starting due to a technical error I might not of received the info that I requested, which I did, but the list of charges were different, one account was fine and the other accounts there was a big different in the charges sent to me previously

I have emailed 2 different people about this and no one replied to me, which makes me more frustrated.

TODAY, my husband just called me to say i have yet another letter with another list of charges 3rd list. WHAT IS GOING ON.

I am at the N1 form stage but i feel like i need to have it out with someone at the Halifax.

Should i carry on the with the N1? or call them??

Thanks

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My first thought would be to write to the information commisioner and outline the above.Dont forget to send a copy to the Halifax

 

It seems that the Halifax are being underhand in what they are sending to you as well as appearing to be using delaying tactics in the hope that you will go away.

PPMAN159

 

If this comment has helped please click on the scales.

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Information Commissioner!

 

Correct!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 3 weeks later...

Hi

 

Just thought i would update you all on my progress.

 

I started all this in February and now have filed a court claim.

 

I did it with Money Claim on-line i keep checking the progress and i have looked today and the claim has been Acknowledged and have been given another 14 days to reply.

 

Has anyone else been in this position? Is it a bad sign?

 

30th July midnight i should hear if i have won or not!

 

Keep your fingers crossed for me

 

Michelle :|

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This is standard procedure. Their defense usual consists of a statement about terms and conditions and that they have paid you.

 

Therefore they have to pay you soon, so they can put it in their defense.

 

However, they may not pay you the full amount of your claim. If they don't you can continue your claim until they do.

 

Its your money.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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subscribing- and here's your thread

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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it should be near the top of the list now as I posted. Try getting a mod to combine your threads, if possible.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I've pm'd a certain SSL!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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If you click on User cp at the top of the page then select subscriptions I think and view all, all your posts will be shown and you can carry on with the same post rather than start new ones.

 

:)

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I have merged all your threads.

 

Please stick to just one, it makes it a lot easier to follow your story and help you :-D

 

 

Crusher :-D

  • Haha 1

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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:grin: After 4 stressful months i have evetually got my money back £1196.29 Inc Court Fees and interest.

 

After filing a court claim on HMCS Online and paying £120 it all paid off.

 

In the letter they put "i have returned the form of Acknowledgment to the courts indicating that Halifax intends to defend your cliam. However, on a purely commercial basis, it will cost Halifax money to defend your cliam in terms of legal costs"

 

So even though they are fobbing everyone off, they still pay at the end of the day.

 

Go for it and don't give up, they have also said i will get taxed on the interest. There is always someone trying it on!!!

 

:grin:

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CONGRATULATINS..!!!

 

You got there in the end. Well done.:D :D

 

Dont forget the survey..

http://www.consumeractiongroup.co.uk/survey.php

 

And maybe a dontation..??;)

  • Haha 1

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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