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    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? Can I use pro-rata payment letters to get out of this situation without too much impact? I am working on information that @BankFodderhas requested and will be sharing it later today.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Ja-De

 

You must be the same as me then . Keeps sayin I must spread it around. LOL

That would get me into no end of trouble though wouldnt it.

Not done that for years.;)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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I think they have a secret agenda!!!

 

 

It's called confuse the heck outta ya, and put you on a horrible rollercoaster ride...while taking pictures of the ups and downs!

 

From just the reading of many many posts of late I have to say as much as we should take each comment given from Halifax or even the courts as a pinch of salt, human nature makes us hold on to the every strand of their words...sadly they play unintentionally a lot of times on our emotions!

 

Still when the rollercoaster is up, we feel victorious and when the rollercoater goes down, then let the Halifax be smoldering at the bottom.

 

 

YOU WILL REIGN VICTORIOUS....and dont let them 'courts or Halifax tell ya different'......the longer it takes the more you make, they just haven't got the noodle to realize it!..

 

...and you have a lovely holiday to look forward too as well.

 

Supporting you all the way!

 

Op's

  • Haha 1

CASES:

 

HALIFAX

07/09/2007 - S.A.R SENT

18/09/2007 - statements received.

Waiting for money to do N1

CAPITAL ONE

WON - Fees, purchase interest, court costs and Stat.

VANQUIS BANK

07/09/2007 - S.A.R SENT

18/09/2007 - C.C.A SENT

I hate this company

LLOYDS TSB BANK (SISTER)

20/09/2007 - statements received

22/11/2007 - N1 filed

Lloyds TSB CREDITCARD (SISTER)

18/09/2007 - C.C.A SENT

20/09/2007 - statements received

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HI OP'S

 

 

You can say that again. Dont know if it is unintentional though.LOL

 

Got visions now of mini-Howards hiding behind corners armed with mobile cameras , or lurking in the shadows when the postman comes just to see the disappointment on our faces when we realise that there isnt a letter from the bank with a nice juicy cheque inside.:lol:

 

Its not too bad though , not really .

I mean I only started this claim rolling in Dec 2006:eek: .

 

See well used to waiting around , Im a veteran at it now. LOL

Tomorrow is another day and I will be checking the bank again. (of course) :rolleyes:

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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HI Tilly

 

YEP. Sure does, cant remember having so much fun for ages LOL:D

 

Not since I had to watch the paint dry on my front door.LOL

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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HI OP'S

 

 

 

Got visions now of mini-Howards hiding behind corners armed with mobile cameras , or lurking in the shadows when the postman comes just to see the disappointment on our faces when we realise that there isnt a letter from the bank with a nice juicy cheque inside.:lol:

 

 

too funny....

 

I can see them scoring points....

 

 

Oi mr H did you get the image of that heartbreak then...

Yeah...I caught the moment of disappointment

Hey camera A...did you get the split second they realized that there was no cheque?

sure thing....but Ms L...did you seriously get the imaged of the postman, avoiding her door?

Ms L says' no missed that one, think the postman ran too fast.....Mr I....you get the image she was at the door step waiting?'

Mr I ...'Yeah got that image, but think they expected the result...need to turn on the heat of expectation' over to you Ms F'

Ms F says its all ok guys relax...i have a cunning plan...its simple give them hope....then we can dash it' .....'we pretend we are gonna give them the cash'

Ms A says ' sounds good....i got it sorted lets delay it...put all boundries on...stop the postman delivering....and you know what, lets make postal services strike and also make sure the courts dont know what the right arm is doing against the left....we can win this we can really.....Mrs Overflow will quit I tell ya'

 

A few days later...Mr 'X' says 'ummm agents H. A. L. I. F. and A...something is really wrong....Mrs Overflow is still smiling......someone check the damm cheque book..we pay out or what?'

 

 

It will happen!

  • Haha 1

CASES:

 

HALIFAX

07/09/2007 - S.A.R SENT

18/09/2007 - statements received.

Waiting for money to do N1

CAPITAL ONE

WON - Fees, purchase interest, court costs and Stat.

VANQUIS BANK

07/09/2007 - S.A.R SENT

18/09/2007 - C.C.A SENT

I hate this company

LLOYDS TSB BANK (SISTER)

20/09/2007 - statements received

22/11/2007 - N1 filed

Lloyds TSB CREDITCARD (SISTER)

18/09/2007 - C.C.A SENT

20/09/2007 - statements received

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Love it Ops, I couldn't have said it better myself. Silly thing is, some of Howards gang'll most probably be thinking something along them lines where payouts are concerned. Mind you I imagine most of em'll be brain-dead stupid.gif hehehe 'cos none of 'em know how to treat us with respect lol.

  • Haha 1

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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.

 

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OP's

 

Ive got a pain now , laughing so much.:lol:

 

Look what youve done now cant see the keys straight for tears.

 

What are you like. Thats it, Im cream crackered now my sides are aching

 

Ill have to go lie down in a darkened room.:D

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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morning all ,,

lol good to see spirits are still high shows that we are made of sterner stuff :D still keeping a watch out for you overflow ,, im in same position waiting at door for postie lol seems funny really the anticipation ,, but hell we wont let them beat us down :)

 

all the best :)

 

hmm i got to spread it around also:( haa haa

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Hi Dk,

 

Still no word from Court :(

 

No money in the bank yet either. So the wait goes on .

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Share on other sites

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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.

 

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How you doing overflow, not long for your hols now, when is it next week? It'll do you the world of good.d010.gif

Unfortunately I can't get my fingers crossed on my left hand at mo, 'cos thats where I got injection, & I've had to strap my wrist up (it feels like I've sprained it lol).

But I've still got my legs & everything else crossed for you. hehehe. Seriously though, I'm sure it won't be long now love, hope you get it before your hols.:p

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

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.

 

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HI Ja-De

 

Good job your right handed then isnt it or you wouldnt be able to type very fast. LOL One finger job.

 

Sorry to hear your going through it with your wrist . How did you get it , is it a RSI .Ive heard those injections are painful due to the serum being pretty thickish.

 

Poor You. Try to keep smiling and thanks for the flowers. x

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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HI Ja-De

 

Good job your right handed then isnt it or you wouldnt be able to type very fast. LOL One finger job.

 

Sorry to hear your going through it with your wrist . How did you get it , is it a RSI .Ive heard those injections are painful due to the serum being pretty thickish.

 

Poor You. Try to keep smiling and thanks for the flowers. x

 

Regards :)

 

Unfortunately for me, I'm left-handed lol. Before I was told I'd slipped those 2 discs in my neck, my GP was treating me for frozen shoulder, & carpel tunnel, that was also before I even started with computers (I was a picker of books for large orders at a book wholesalers) - I was what my boss called "computer illiterate", 'cos my employers temporary moved me to sales dept, I didn't even know how to print or save lol. But it seems as though I've gone full circle, 'cos when I went 2 weeks ago for a "nerve conduction test", the dr said he was recommending an injection for carpel tunnel, I've had to bandage my hand & wrist just to try to help ease the pain, I can't hold anything at all with it today, I'm actually typing with my right hand, & my index finger on my left hand. So I'm coping at the mo.

Your welcome for the flowers, & I'll try to keep smiling, you cheer me up anyway, so I can't help but smile, thank you. xx

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

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.

 

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Hi DK, you're welcome, & thank you.

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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.

 

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Hi Ja-De

 

Trust me to think you are right handed, just a natural assumption I think. Dont know many left handed people, although my grandson is a leftie.

 

Im always awe struck when he writes anything as it looks so akward , guess Id be useless if I had to try and write with my left hand, not fantastic with my right TBH looks like spiders crawled over the page.:lol:

 

I think its great the way youve learnt how to be computer literate then. You should give yourself a pat on the back ( with your right hand) LOL.

 

You always seem to know what your doing and the other thread youve started as well, where do you get the energy from.

 

I hope your wrist gets less painful soon, it must be awful for you.

Try not to do too much give yourself a break eh.

 

Regards :)

  • Haha 1

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Share on other sites

I will have a break, I promise, but a bit later though 'cos got some posting to do (slowly). My grandma was a leftie, but when she broke her arm when she was younger, she taught herself to write with her right hand, (she was a very clever lady) & when she got the use of her left hand back, she was spoilt for choice, she was a true ambidextrous person. When I was little the teacher tried to force me to use my right hand to write until mum went up & told her off, that teacher was notorious for it, but she never did it again after my mum confronted her. Mind you when mum was teaching me to knit, she actually taught me the right handed way, so I can knit that way, there are a lot of things I use my right hand for e.g. mouse, typing, drinking.:grin::grin::D

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

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.

 

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Hi Guys .

 

 

Just a quick update . I rang the Courts again this a.m. and was told by a nice person that the application for the warrant had been put before the Judge on the 21st Sep.

 

It seems that I am being told two different things. Yes it needs to go before a judge and no it doesnt need to go before a judge.

 

Just wish they had everyone reading off the same page there.

 

So no news to report then. Will keep you informed if any great change occurs between now and the next millenium. :D

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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:D :D Just noticed Ive got a nice shiny snotty bit too .

 

Thanks to all you guys.

 

Thats brightened my day.:D :D :D :D

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Thank you Tilly,

 

Still got a lllllloooooooonnnngg way to go to get to your standard though eh!

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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