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Well - I've started the action! Me vs Halifax!****WON****


Jazz0867
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The next thing you will get is the Acknowledgement telling you that they are going to defend all of the claim. Don't panic - this is normal. Start reading up on the next stage so you are always one step ahead.

 

Good luck

 

JW

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Good luck Jazz. It looks like we're at same stage.

I'll be watching with interest to see how you get on.

 

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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Received notice of Issue this morning!

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Youre at exactly the same point as me mine was deemed served on the 19th and they have until the 4th of june to acknowledge

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All prepared fro next stage - got AQ forms downloaded for rough copies (notes made all over them).

 

Printed off "Allocation Questionnaires - A guide to completion."

 

Printed off "Guide to the new AQ Strategy"

 

Prepared my supporting documents (3 copies of each):

 

Printed off 3 copies of 3 letters from online banking where they indicate the fee is "to cover our costs".

 

Copied (x3) the letter from the bank with the lists of charges they have applied in relation to my S.A.R. request!

 

Ready to roll halifax - come and get me!!!!!!!!!

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  • 2 weeks later...

Had an interesting chat today with a Laura Beatty of Halifax Customer Relations.

 

She said they are currently working on 10th May but when they get to mine I WILL receive a refund of the charges, plus interest, plus court costs!

 

I was told to expect it some time next week!

 

We'll see........

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Had an interesting chat today with a Laura Beatty of Halifax Customer Relations.

 

She said they are currently working on 10th May but when they get to mine I WILL receive a refund of the charges, plus interest, plus court costs!

 

I was told to expect it some time next week!

 

We'll see........

 

I had a chat with Laura today as well!! However she was not so nice to me - she said they had already offered me what they think I am owed and Halifax to not refund overdraft interest (this is the part of my claim they have not refunded). She said Halifax will defend this!

 

Funny how so many other people get their Halifax overdraft interest refunded!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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how much overdraft int do they owe you chop?

 

Well, they refunded all my charges and calculated their own approximate interest on the charges - of course this did not match my calculations!

 

They still owe me about £400, but that is made up of o/d interest and the 8% interest.

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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Can someone advise me so I'm sure? If the bank have not looked at the paperwork and thus filed a defence by the date the court says they have to respond does that mean I can push for Judgement on that date?

 

My case file is :

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Therefore can I push for judgement on 4th if they haven't acknowledged claim and stated they intend to defend to the court?

 

Notice of issue doesn't entirely make that clear!

 

Ta muchly!

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did they threaten to defend the OD interest yes you said they did, dont understand them not paying the stat int they must if you,ve filed surely?

 

Well, to be honest I am not sure how they have worked it out. They made 2 payments to my account, 1 was the charges in full, the other was approximate interest they had calculated - they have not specified what interest it is. I need to phone Laura again really and find out what interest it is.

 

Either way you look at it the payment was 400 uid short of what I was claiming so I will continue with the claim.

 

Time will tell!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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Can someone advise me so I'm sure? If the bank have not looked at the paperwork and thus filed a defence by the date the court says they have to respond does that mean I can push for Judgement on that date?

 

My case file is :

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Therefore can I push for judgement on 4th if they haven't acknowledged claim and stated they intend to defend to the court?

 

Notice of issue doesn't entirely make that clear!

 

Ta muchly!

 

 

Hiya,

 

Phone the court on the 5th June and if they haven't acknoweldged your claim then yes you can file for judgement. The likelihood is they will acknowledge, this will give them a further 14 days to file a defence (total of 28 days from the served date). Then, if they don't file a defence in those 28 days on the 29th day you can file for judgement.

 

Hope this makes sense.

 

Good luck!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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Hi Jazz

 

Halifax had until 6th June to reply and I have now received confirmation that they have acknowledged the claim. They now have until 20th June to do something else - like pay me my money, would be good!!!!!

 

Good luck, Debbie

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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  • 2 weeks later...

Hi Jazz

Haven't heard from you in a while. Just wondered if all going ok?

I'm still waiting to hear.......although there is a registered delivery letter waiting to be signed for by me at the Post Office!! Don't know if that's something to do with it all......

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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Hi Jazz

I know you can't read this yet, but that is FANTASTIC news......

 

and guess what???????!!!!

 

I won today too......the full amount deposited into my account this morning!!!

 

WELL DONE TO US, and hope your hol was brill!!!!!!!

 

See you when you're home.

 

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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Hi all.

 

I'm back!!

 

Well done deb - congratulations on your win too!

 

keep going all those that are losing hope - you will win in the end!

 

Jazz

 

P.S. Could the mods do the necessary please to show another win??

 

Ta!

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congratulations

please complete our survey here

Please donate so we can help others

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Congratulations!!!

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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