overflow v Halifax

[overflow]

Hi guys

 

Just checked mu bank and those b*****s have put £1343.00 in withiout my consent .

 

What do I do . Ive sent them a letter yesterday which they will have recieved today,(special delivery) giving them another 7 days to pay up in full or Ill carry on with the court claim.

 

How can they justify doing this .Im fuming.

 

They sent me a letter offering me this not mentioning Full & Final and informing me they would give me 7 days to get back in touch with them or they would consider it ok .

 

Now unless Im going loopy ( could be ), this means that they should not have done anything till 14th and as today is only the 10th that means I still have 4 days. They have cleared my overdraft with it ( obviously) but I dont know if they would use that now to take the money back.

 

HELP!!!!!!

 

Really dont know what to do now .

 

Regards

[sanand]

Hi overflow, I dont know if this will help but its worth a try, I spoke to a man yesterday and today from customer relations who is really really helpful and does seem to understand where we are all coming from. His name is Gerry, and the number that you can get him on is 0151 224 7543. Youve nothing to lose so give him a call x

[Dusary]

HELP!!!!!!

 

Really dont know what to do now .

 

Regards

 

Easy!

 

Leave the money where it is! My £7.5k is in my 2 accounts.

 

If the letter you sent off was the http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html then that's fine!

 

Be prepared for what happened to me today. http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland.html?highlight=dusary+v+hbos So that you are aware!

 

It's interesting that it's not the standard *FULL AND FINAL SETTLEMENT* letter. (That means you can't yet go to FOS - even if you were wanting to do that!)

 

What they have done is standard procedure for them when they are caving in!

 

You can still take them all the way ....... You WON'T lose!

 

You are going to be a !! WINNER !! very soon!

[overflow]

Hi Guys.

 

Ive just been on te phone to Rachael Barker .

 

I asked could I speak to the person who sent me the letter offering me the money but he wasnt at his desk.

 

Gave her the details and asked why this money has been refunded into my bank and she said it was standard procedure.

 

Told her that they would have received my rejection letter today (posted yesterday special del) and she informed me that these letters go through the sorting office and would not appear on the system for a couple of days, (so much for having it special delivery then)

 

Then I explained that I had recieved their letter offering me refund and giving me seven days to EITHER accept or reject it and I said that it seemed pointless to me to stipulate the 7 days if they just refund wihout my consent anyway.

 

She appologised an said that she culdnt deal with this and somebody would write to me within the next couple of days.

I said that if the letter didnt go on the system for a couple of days and they have given me till the 14th the I hoped that this would be noted that they got it today 10th and that it would not jepordize the time limit .

She said it wouldnt ( I hope).

 

I thanked her and put phone down but still fumin.

 

No wonder they take money off us , its to fund their b****y pointless letters.

 

I wonder if they will take it back out as in the letter I sent ive given hem authorisation to do just that.

 

Dont want it in my bank too long in case it gets used up.

They have already cleared the o/draft with it so they can damn well take it out again and I know that by doing this I will again be in my o/draft once again (hey, whats new) .Ive got a feelin they wont do this though even though they havent told me that they will withdraw the o/d facility.

Do you think they will. Sneaky like that.

 

Now Ja-De if your on here I think Ill go give my ironing the thrashin of its life. LOL

 

Regards:)

[moneyhelp]

I personally would take it out and put in another account - but thats just me

[overflow]

Just had a thought .

 

The letter from them came from Leeds yet the phone number Ive just rang was apparently in Pontefract ,( curtesy of Dursary)

This was the number to ring on the letter.

[overflow]

Hi Money

 

I dont want to do that cause wouldnt that be seen as accepting it then and Ive already sent the rejection letter that they have got today telling them I dont want it .

 

OMG just had another thought.

 

OH my brain hurts.

 

The letter I sent didnt say that I authorise them to take it back cause at the time of writing it they hadnt put it in.

What if they say the time is up cause they havent had authorisation to take it back:eek:

 

Gotta stop thinkin drivin me nuts.

[sanand]

You feeling better now overflow?

[ja-de]

Hi overflow, sorry I've not been here when you were havin a crisis. That Rachel Barker Is the person I spoke to yesterday, she's not much help at all. I hope you've thrashed that ironing of yours, & feel better. Hopefully I'll be able to catch you for a chat tomorrow afternoon or sooner.

[ja-de]

Hi overflow, just checking in to see if you are online, hope you're alright.

Got a letter from court this morning telling me that haliprats acknowledged the claim on 10 July 2007, & that they intend to defend all of the claim, so SSL told me that they now have a further 14 days, she also says that I should keep checking my account, 'cos it could be any day now when I get all thats owed to me. Sanand has also got a letter this morning, with the same dates as me. I really hope you've heard something either today or very soon. Talk later, ja-de xxx

[moneyhelp]

Overflow - are you ok?

[overflow]

Hi guys ,

 

Thanks for the concern Money and Ja-De. Im fine thanks, been a bit busy thats all but you know me cant keep off this site for long.

 

Glad to hear youve had a response Ja-De.

 

As you know I had one back from the Court to say the Haliprars had filed an Acknowledgment of Service on 29th June , but now Im confused cause it says on mine that the Defendant has 28 days from the date of Service to file Defence .

 

I take it this means that their time is up on 26th July is this right?

 

Ive been checking my account again todau to seeif they have taken it back but its still there.

 

What do I do if they dont take it out but do decide to go all the way, that would mean all they would be defending is the interest going by them, but, my spreadsheet just for the 8% amounts to a different amount than theirs so could I bring this up in Court?

 

Just hope Iget a letter from them tomorrow saying they recieved my Rejection letter and telling me they will eiher take it out or settle.

 

The Latter would be nice.

 

Regards

[ja-de]

Hi overflow, glad to hear that you're OK. SSL has told me this morning that it's another 14 days on top of the 14 from Deemed Served, so by my reckoning they have until 23 July for your claim, & they have until 26 July for mine. (So I'm only 3 days behind you still). Catch you tomorrow, I hope ja-de xxx

[overflow]

HI Ja-DE

 

Dont know what Im thinking, of course it is . I dont think I counted the weekeds. DOH!

 

Ive just been lookin at a thread on contractual interest ( at what cost). I poted a question on there cause they all seem to know what their on about.

 

Asked how I should go on about the bank putting refund in my account.

If they hought that I should hold out you know.

 

Was advised that if bank had put charges +8% + Court Fee into my acount that I should accept it. I was a Winner, trouble is I dont feel like a winner. I wish I had closed the account now so they couldnt have put it in then.

 

Im peeved cause I got the charge to nearly £1450.00 with 8% without th £120.00 Court fee.

 

They have put £1343.10 in bank and thats includin the Court Fee, so thats nearly £200 short of what I might have got if it went to Court.

Thats a lot when your not workin so Im right p****d off.

 

I was told I should get a letter off them the other day when I rang so might wait for that but Im not holdin my breath. I cant believe they have done this in such an underhanded way,( then again, it is the Haliprats Im talkin about).

 

Well Ill just wait and see what happens I suppose.

 

Glad you got yours back , not too long to wait now for you and sanand

too. Isnt hers the same deadline as yours?

Lets hope you get it soon and with no messing you about eh.

 

Regards

[overflow]

HiAll

 

Well so much for the Haliprats saying Ill get a letter in a couple of days re my Rejection Letter to them. Not a single peep.

 

Ive put a couple of posts on "Contractual Interest -Precedent --LOST" thread and had a lot of advice from people there.

 

Looks like Ive not a hope in hells chance now of getting the right amount back ( I reckon they are getting away with about £300) now its in my account. Dirty Rotten Sneaks.

 

That amount is a lot especially when your not working (still).

 

Like i said on there I'll put it down to experience and know better next time wont I .

 

 

 

ABBEY HERE I COME ALL GUNS BLAZIN

[sanand]

Glad to see that youve still got the fighting spirit overflow!

[ja-de]

Hi overflow, never mind about that, 'cos there's so much info to take in, there's bound to be something we either don't know or even forget!!

Yes, we have the same date, mind you they cut it fine with mine, as the 14 days are up today, but I think they went over 14 with sanands, (but if I'm wrong, I'm sure she'll correct me) so now we add another 14, which will bring it to 26 July.

I'm really happy that you got your money (You have WON, because you have beaten the bank), & it's better in your pocket than theirs, lol. But I'm sorry about haliprats underhand manoeuvre, by putting it in your account without consent, & it being short of about £300.

Make sure you give the ShAbby a good run to get your money back from them. ja-de

 

PS Glad you're not leaving us yet. hehehe

[sanand]

Hi both, yes they went over with mine and when I complained to the court they said they had given them a days grace, which I was fuming about cos if Halifax had been claiming from me I bet I wouldnt have got the extra day, so now my date is 23rd July, but the way other people are going im not holding my breath, they really do seem to be taking us all to the wire now, ive decided that they are b*****ds, and I feel MUCH better for that little rant! lol

[ja-de]

Good for you sanand, we all need to let a bit of steam off now & again, especially where the banks are concerned, so I say, I hope we all get our money sooner rather than later.

[overflow]

Hi Ja-De & Sanand

 

Im not plannin ongoing just yet Ive got loads of fight in me yet Dont worry,

 

In fact Im just thinking about going for the Co-Op Bank . The account with them has been closed since my Husband passed in 1997 but seeing as the Statute of Limitations has more or less gone for a burton Im thinking "What the hell , why not"

 

Ill be filing against the Shabby soon as well so your gonna get sick of me:rolleyes: .

 

Ive just been reading or attemptng to read a govt doc (mst of whic went over my head) LOL. but it was about the excessively high profits the banks are making and how they are on track to make even more off the ordinary Joe Public.

 

Im still waiting though you never know I might get a letter off Haliprats telling me

"Yes of course we'll take the money out of your account and let you carry on with the Court thingy. No problem. How much would you like to claim back off us then. 1, 2, 3 thou perhaps. Would youl like that on a silver platter Mrs Overflow. Or perhaps delivered to your door by one of our Directors.

Howard? Yes Im sure we could get him to oblige"

 

NOT going to happen though is it. (but id love to see the neighbours faces if it did)

 

Hope you both hear something soon anyway Im sure you will.

 

Then youll both have something to celibrate .Are you planning to get anyone else or are you going to drift off this site, I hope NOT.

 

I think ths comp is havin a laugh now as keeps missin out letters ,Have to keep checkin txt to make sure it makes sense not gobble-de-gook.

 

Thanks for the replies guys Ill catch up on you later

 

 

regards

[sanand]

Hi overflow, when cash hits my account im gonna chase Barclays for hubby and im also gonna chase Halifax for charges ive had since this claim went in (only 2 but its the principle) so I would imagine ill be around for a while.

[ja-de]

Hi overflow, glad you feel a bit better now. I'm not planning on anyone else, as I only had haliprats dealing with my funds (or should I say lack of funds) since I split up with my ex-husband 14 years ago,but I'm not planning on leaving this site in a hurry either, you never know, but I just might be able to help others get their money back, 'cos my daughter & son in law have been through the wringer with their bank. So, I 'spose it'll be a case of watch this space. hehehe.

Catch you later.

[overflow]

Hi All

 

Ive not heard anything from Haliprats regarding the Rejection Letter I sent them, but, since they decided to put money in my account on the same day they got the letter I didnt think they would acknowledge it.

 

So I guess I'm a "WINNER" then hey guys.

 

Could I request that a mod changes my title please.

 

I knew that I was doomed not to get the CI from them after the Precedent was set on anyone using M & R argument.

 

Would have been nice but what the hell Im still £1,343 better off than I was last week. Even if they have taken half for my o/draft. At least thats not hangin over my head any more.

 

As I sent the letter of Rejection to them, WHAT do I do now.?

 

Do I write to them and tell them that Ive decided to take their offer,

seeing as they gave me no option really, and then do I notify the Court that the matter has now been settled?

 

Not sure , if someone could steer me in the right direction Id be very grateful.

 

Im plannin to go get the Abbey now and others if I can.

 

Cant just stay away from this site.

 

Just want to thank ALL the people who have helped me and gven me advice along the way. I could not have done it without you all.

Knowing you were all tere routin for me was such an enormous help.

Also a BIG THANK YOU to Mindzai for his fantastic spreadsheet. Youve made it so easy to understand ,even for a dumb clux like me. LOL.

 

I cringe when I see some of my earier posts on here, so many daft questions but Im learnin all the time with your help.

 

To All the Mods on here as well THANK YOU for all your hard work. It must seem like a thankless task sometimes yet you all seem to have the patience of a saint. Without you all there would be no site.

A much deserved donation will be winging its way to this site very soon.

 

Regards

[Dusary]

 

ABBEY HERE I COME ALL GUNS BLAZIN

 

They're MY next targets - too - WHEN I've finished with HBOS and all the claims!

[sea-sidelady]

Overflow, did you recieve all your charges, interest and court fees?