overflow v Halifax

[sanand]

There is never anything in mine ja-de!

[jubaxt]

ooh-save some for me you two-handed in my n1 for crap one last friday-£2987

[sanand]

Good luck with that jubaxt, hope its not too long for you

[overflow]

Hi all

Yea been checking mine too and not a sausage in there yet.

Looks like we're all in the same boat at the minute eh.

We'll all win together and keep the mods busy trying to convert all our threads to WINNERS , That would be great wouldnt it.

I ve been helping my other daughter with her claim she filed hers yesterday, with natwest .Fingers crossed for us all:)

[ja-de]

Hi overflow, don't seem to be able to catch you these days, hope you're keeping well, still now't in me account, how about yours. Try to catch you later.

[overflow]

Hi Ja-De

 

Sorry to have missed you again. Still no news then, same here , not even a sniff of any nice new notes.

 

They say no news is good news but i wish they would do something its ding my head in.

 

Ive been busy printin stuff off just in case. I checked the bank this mornin but still nothin.

 

Its ironic really as when i used the other bank (abbey) I was gobsmacked to find theyve refunded me £240 . I havent done anything with them since the end of May, couldnt afford to file two at the same time so thought id put theirs on hold till Halifax was sorted, then that!

Gonna email them and reject money I think or tell them Ill take in part payment , then try an file on Friday.

 

Why couldnt Halifax do that always got to be complicated, never just nice and straight forward.

 

Have you go all your stuff done yet. Isnt there a lot of printin to get on with. Dont know how many cartridges Ive used and their not all that cheap either are they. Its a wonder I havent burnt the printer out.LOL Smoke comin from me fingers an all that like. Ive got quite a pile of stuff and knowing me half of it wont really be relevant to anything I need.

If I read somethin I think sounds good or interestin then its printed out. My little corner of the livin room where Ive got the comp is just piled with files. Always doin too much though I think. Im just obsessed with printin things. The amont of paper I get through as well is just unreal. Still should all be worth it in the end eh.

 

As you can see by the time ive replied to this thread , its just after 5o'clock in mornin, just cant seem to sleep these days, well not durin the nigh anyhow . I have no problem with sittin down to watch the telly and the next thing I know its the time when all sane people would be climin the stairs to get their head down. I think I must have a bit of OWL in me or summat. What do you think. Im just dreadin the day when I wake up sittin on a branch in the tree outside the garden, :o give the neighbours somethin to talk about wouldnt it:D

 

Hope to catch you later then Ja-De. Keep checkin up , my fingers are crossed:)

[Dusary]

Just watching!

[overflow]

Hi all

 

Just wonderin if youve had any word back yet Ja-De? I keep checkin for mine but looks like they are gonna take it to the line.Cant say Im lookin forward to the prospect of goin to court though (hopefully It wont go that far).

 

The old knees are startin to get shaky just thinkin about it:o .

 

I wish they'd just cough up . Have you heard from anyone else cause I think there are a few of us more or less going through it at the same time. Ive still not completed my bundle yet either. Everytime I go to finish t somethin will come up and I have to turn off the comp, I can gaurantee it.lol.

 

Thought Id just pop on now quick while the house is quiet, wont be for long though. The little ankle biters will be back from school with their mum soon. There goes my peace and quiet.

 

Ive still not sent the shaby a rejection letter yet either , (naughty me). Just hope ive not left it too late.

 

You know how you start the day with all good intentions of getting everything done and you end up doing nothing and meeting yourself coming back. Its been one of those days .

 

Broke my b****y glasses today too, been walkin round lookin like a cyclopse in the making , screwing my eyes up to try and read everythin.

Not a pretty sight believe me.

 

There you go , told you my peace would be shattered . I hear a key in the lock so Im gonna go now before the youngest gets on here with me and starts pressin all the buttons and puts a load of goobledegook .

Dont need any help with that, can do that all by myself.

 

Maybe catch you later

[ja-de]

Hi overflow, I'm assuming you not read my thread, so here's what's happened.

I got a letter from haliprats yesterday morning, offering me £51, but naturally I'm not accepting it, I want it all, so it looks like I won't be needing to put a bundle together. I hope you hear something soon, even if its for an offer, 'cos at least that way you won't have to put yours together any more. Let us know how you get on, when is your date up for haliprats??

[overflow]

Hi

Just to update , Ive still heard nothing from the Haliprats and I keep checking my account.

 

BIG FAT SQUIDDLY ZILTCH!

 

Their time is up on 9th so only 4days to go, TICK TOCK. Its getting closer.

 

If I dont hear anything from them do I get in touch with the court to see if they have? Or do I apply straight away for a judgement against them from the court. Sort of win by default?

 

I think I need to read up some more dont I. I know there has been other people in the same boat sometime or other.

 

I was toying with the idea of giving them a ring and telling them that Im willing to settle for a lower rate as opposed to the contractual rate, just to see if that might make it move faster. Plus I still dont think Ive got a chance of claiming that back. I think Ive got NO HOPE OR BOB HOPE of doing that so willing to compramise.

 

Any thoughts anyone. Just wish it was all done and dusted .Im hopeing that once Ive got one under my belt that it will give me more confidence to go after all the others. You know,sort of give me dutch courage, ( normally have a drink to get that so nice to have the same feeling without the prospect of the hangover) LOL.

 

Although Ive said it before I know, but I never thought Id have the bottle to do something like take on the bank. This site is the fire behind us all, the feeling of knowing that if your low or worried or not too sure of something, there is always someone willing to lend a helping hand is really brilliant. If you could bottle all the goodwill that is on here you'd make a fortune I'm sure.

 

Anyhooo Im going to get on now before I bore you all with any more mush, even though it is meant as sincere mush. LOL.

 

Regards

[dolphin939]

Hi hope you get some good news tomorrow mine went in 3 days before their time was up, keep checking your bank account x

[ja-de]

Hi overflow, how you doin' hun, OK I hope. Just been reading your thread, don't loose hope, there's time for you to win by default, or is it Request Judgment??? Anyhooooo it won't be long now, & fingers crossed, you won't even need your bundle for court!!! Keep your chin up, keep fighting these B*****d's, we just can't let them win!!!

[overflow]

Im nearly there with the bundle so if Ive done this for nothin I wonder can I still claim the wasted time then lol

 

Thanks for the encouragement , catch you later i hope.

Hope you hear soon as well . GOOD LUCK

[buffyoo7]

hi have they acknowledged your claim

buffy xxx

[Dusary]

My *GOODWILL* offer of £7,424.23 was paid into my 2 accounts sometime after 08.30am yesterday!

[overflow]

Hi Dusary.

 

I'm really pleased for you . Does this mean your gonna be in the spondoolies now then.

 

CONGRATULATIONS

[overflow]

Hi Buffy,

 

WHAT ARE YOU DOING STILL HERE. .I think we were all hoping not to hear from you fo a little while. Take that in a nice way.

 

In answer to your question , Im afraid its NO not a dickie bird from them.

DIDDLY SQUAT.

Might hear today eh.

You take care now and good luck.

[ja-de]

Hi overflow, I feel it in my "water" it won't be long at all.

[overflow]

Hi all

 

Well the postman brought me a pressie today. Haliprats have now acknowledged my claim.:o

 

It says the Defendant filed an Acknowledgement of Service on 29 June.

They have 28 days from the date of service , which I reckon is the 27 July.

 

So I guess this means that Ive got to do the bundle for sure now, On the back stapled to it is another piece of paper that says Response Pack.

Am I supposed to be able to read what this has on it cause its been photocopied and I really cant make out what it says. Im not sure if this is just what the bank had to fill in and send back, Its got the Solicitors signiture on at the bottom so I guess it is just for them. It wouldnt have any directions for me would it? I really cant read it.

 

Ill have to do more reading now cause I think I have osubmit my bundle now dont I . Im not sure , must read more threads.

 

Have you had one Ja-De . Have they acknowledged yours?

 

Just hope Im not the one to have to go to court cause knowin my luck Ill be the one who looses. LOL ( or not ).

 

Just gonna have a nosey now on some more threads, get my head round what Ive got to do now.

 

Catch you later

[sanand]

Hi Overflow, shouldnt be long for us now, ive not had my acknowledgement yet and I really hope I dont get one! I wouldnt worry too much about going to court as most people seem to get paid out just before the end of the 28 days, Halifax seem to take great pleasure in making you sweat! x

[kennythecelt]

Hi all

 

Well the postman brought me a pressie today. Haliprats have now acknowledged my claim.:o

 

It says the Defendant filed an Acknowledgement of Service on 29 June.

They have 28 days from the date of service , which I reckon is the 27 July.

 

So I guess this means that Ive got to do the bundle for sure now, On the back stapled to it is another piece of paper that says Response Pack.

Am I supposed to be able to read what this has on it cause its been photocopied and I really cant make out what it says. Im not sure if this is just what the bank had to fill in and send back, Its got the Solicitors signiture on at the bottom so I guess it is just for them. It wouldnt have any directions for me would it? I really cant read it.

 

Ill have to do more reading now cause I think I have osubmit my bundle now dont I . Im not sure , must read more threads.

 

Have you had one Ja-De . Have they acknowledged yours?

 

Just hope Im not the one to have to go to court cause knowin my luck Ill be the one who looses. LOL ( or not ).

 

Just gonna have a nosey now on some more threads, get my head round what Ive got to do now.

 

Catch you later

 

Keep reading the threads & Dont worry, its coming soon!!!!

[overflow]

Hi all

 

Thanks KTC, you were right about it coming soon.

 

Postie delivered letter today from Hali and they have offered me half of what I was claiming.

 

My claim is for £2533.24 ,Thats the contractual or £1507.87 8% , then theres the court costs to go on and my own costs ; postage and the like.

 

I know I shouldnt have gone for the contractual after that judge set a precedent so I am willing to accept the 8% but in their letter after the usual bumf about how they wouldnt be able to claim costs back if they won they say;

 

" For this reason, but without admission of liability, Halifax is willing to reimberse £1055.00 in respect of the bank charges incurred, together with £168.10 in respect of approx interest at 8% that Hai has calculated was charged on your account as a result of charges. Hali will also reimberse you £120.00 in respect of the Court Fee. This amounts to £1343.10

 

Halifax does not conside that you are entitled to the further £1321.74 that you are claiming . Unless you can provide evidence of this further loss Halifax will fil a defence in respect of his part of your claim"

 

What do I do guys?

 

I get the amount to £1507.14 with just the 8% and if I add the Court Fee as well then is £1627.14.

 

Should I ring them and say Ill be willing to accept my figures and if they dont agree then tell them I reject the offer and am willing to take it to court cause even though I know I wont get the contractual rate if I win I will get the 8% so Ill get my figure not theirs. I know its only £300 short but its better in my pocket than theirs and it is MY money after all.

 

Any advice would be gratefully accepted. I'm in a quandry about what to do.

 

Thanks guys

[moneyhelp]

It wouldn't hurt to give them a call and see if they will increase their offer - have a set figure in your head of what you want - if you don't get it, tell them you will continue with your claim.

 

Almost there now!

[ja-de]

Hi overflow, moneys right, it won't hurt to give them a ring, apparently some have actually won by a phone call. I'm going to do that first thing monday morning & tell them that if they don't give me back everything they owe me , then I'm going to carry on with the court claim.

[overflow]

Thanks Money

 

I know I should just go for it but to be honest I'm scared that if I do go ahead Ill lose. If only I hadnt gone for contractual.

 

I keep thinking that if this does go as far as court then I ll loose cause Ive applied for this. then wont get anything back.

 

If I give them a ring then Im worried that they will talk me down and knowing me Ill end up offerig to pay them.

 

I get flummoxed on the phone as it is without having to put my point of wiew over for something like this.

 

OMG I can feel my resolve dwindling. i musnt give up I know. Im being silly and putting all sorts of thoughts in my head. Its daft isnt it , here am I telling people who say they are worried to carry on an not to worry when Im flapping like a big girls blouse.

 

Oh well Ill get it right in the end either way I suppose. Just being daft and worrying for nothing are'nt I . LOL

 

Thanks for reading this and understanding though.