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Just popped in to wish you good luck, old friend, you go get `em

 

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=======================================================================================================

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

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Has anyone heard anything from overflow yet, I really hope it's good news for her.

n120.gif

I've still got everything crossed for you overflow.goodluck.gif

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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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Hi Guys

 

Just to update, as you know I was in court yesterday.

 

Went in asked where I had to go and was told to wait in the waiting room, Sitting there for 20 mins and then this man appeared asked who I was and said he'd tell Mr B I was there. Mr B came in and introduced himself ads the representitive for Halifax and then said that it was a good job the DJ was runnin late or they would have gone ahead without me.:!: I'd been told to sit in the wrong waiting room:o .

 

This Mr B asked if I knew that he was requesting a stay and I said yes I'd had a letter off the bank in October telling me, He didnt know that.

He didnt seem to have any real knowledge of the case at all just said he'd been asked to come to request it be set aside and stayed.

 

Bank was saying that I hadnt given them any shedule of charges, when I told Mr B that he asked if I had them and if so could he see them, so I showed him. He did'nt know I was going for compound interest either.

 

Into the Chambers we went and the DJ introduced himself and then asked Mr B to put his side , which he did . Then the DJ asked why they hadn't filed a Defence, to which the reply was, "Well as you know there has been so many cases that this one seems to have slipped through the net, not our fault really just happens to be one of those things"

 

To say the DJ was less than impressed would be an understatement, He cut Mr B short and said that that was not really acceptable.( my hopes soared).

 

I was then asked to put my side and I used the argument that zootscoot had kindly posted also emphasised that they had plenty of time to Defend as I had rang them on several occasions to ask if they had filed as time was running out for them. Said all the stuff about Human Rights and how they have been paying out in the past and that if they truly thought that the charges were fair then how come they have paid out so much if they thought they neednt have had to.

 

Mr B could not really give me an answer to that just fluffed about how the charges were lawful and transparent.

 

Then the DJ started looking in one of his legal books for the CPR's 13.3(2) which he read out.

 

I think that was when I knew the bank had got their stay.

 

The DJ thanked me for my input and then dropped the bombshell.

 

He said that although he thought that the bank had plenty of time to Defend he was willing to give them the benefit of the doubt that it was just an oversight, he appologised to me saying that he knew I would be disappointed (you're not kidding mate), but, as this test case would start in January then hopefully the outcome would be more pleasing to me.

He wrote directions (about 5) one of which stated that if I wanted to appeal then I could,(yea, right, why bother), the rest I didnt really listen to as I had just swithched off by then.

 

Although I knew deep down that I wouldnt win, I was still secretly hopeing that perhaps I would.:(

 

There you have it , sorry this is so long if your still reading this I have decided not to bother appealin, not much point is there.

 

Looks like I will join the queque and sit patiently twiddling my thumbs till the test case is finally decided. Just how long that will take gawd alone knows.

 

Thanks to all who have given me so much support in this though I really do appreciate it.

 

Regards :)

  • Haha 2

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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What a bunch of cr*p !!! Well at least you tried your best old friend. At least you can count the interest whilst you are sat on thumbs! Not to long to wait now, another couple of months and we will all know where we stand.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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I'm so sorry that it was the outcome we could do without, I wonder what the DJ'd have said if it was you who'd been unprepared?? But you did your best & no-one can knock you for that.

It looks as though we'll have to wait now for this court case to start & finish & hope that it'll go in our favour & not the banks.

Keep your chin up overflow, & have a lovelysanta2.gif Christmas & 8_6_11v.gif I hope you get everything you wish for.

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

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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Well done Overflow!

 

It looks like you made a valient attempt and certainly kept them on their toes and gave them something to think about. At least you can hold your head high knowing that you faced them and take some solace in the thought of how much it has cost them to send someone out for the court appearance. Also don't forget all that interest nicely building up.

 

Sit back and relax for Christmas so that you are refreshed for battle in the New Year.

 

All the best

 

Zoot :)

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Hi Guys.

 

Thank you all for kind words, cheered me up no end.:D .

 

Thanks Stone and Ja-De for click.

 

Zootscoot, not sure about the interest gathering though, my claim was for set amount, so I think I would need to go after them again for charges levied since July. Although when we win, hopefully everyone will get everything that is due to them back

 

Hope You All Have

A

Fantastic Crimbo

and

A

Prosperous New Year!

 

:D :D :D :D

 

 

 

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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You're welcome overflow.

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

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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  • 2 weeks later...

hi Overflow :)

so sorry court never went your way ,,, stupid peeps , think you were very brave to stand up to them , and deserve a good voddie and coke lol ,, anyways lets hope the New Year brings us all better luck , but most importantly is the friends we have made on this forum no matter what the ups and downs are :) You all stick by each other , sorry i not been round much but well,, s will try and pop in now and again ,, Have a wonderful Year ,, hugs xoxoxo

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happybday.gif

Happy Birthday to you,

Happy Birthday to you,

Happy Birthday dear overflow,

Happy Birthday to you.

110103_birthday_cake_prv.gif

I hope it's a good one.

xxx

 

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

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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Is it your birthday O F ? happy birthday, have a really good one and enjoy yourself. then first thing monday morning wrap up well and get yourself down to the council offices for your BUS PASS and

walker_shake_lg_nwm.gif

 

 

 

lengua9ep.gif

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Share on other sites

  • 2 months later...

Hello my friend!!:) :)

 

Saw a post from you on another thread. Hope all is well with you and everyone OK!

 

All we can really do is wait for July and ensure all claims are submitted so that no interest or early years charges are lost.

 

I still think things will be OK, although it will take time and the appeals process. However, entirely possible after July that claims are back on.

 

Take care, Kind regards, Kenny xx:) :)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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hi kenny

 

hope your right my friend. seems to be going on forever.

 

not heard anything at all , though i might be looking in the wrong places . lol

 

keep good.

 

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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  • 1 month later...

HI all

 

just thought id pop in to see if anyone had any news yet about whats going on with this test case.

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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  • 2 months later...

HI All . Not been around for so long. thought I'd nip in to see if there was any news on the oft case.

Cant seem to find anything.

Anyone throw any light on the subject please. Whats going on now?

  • 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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Hi O/F, my old friend good to see you are still around and kicking. FSA have extender waiver until January, so we are all still sitting on thumbs waiting and counting the interest mounting daily. :lol::lol:. Hugs Stone.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Hi Stone.

Good to hear from you . Thanks for that info.

 

Im still kicking anyhow, looks like this is going to drag on and on . Stil the interest is piling up for us all so thats some small concellation I suppose.

Our thumbs are going to be all wrinkly by the time we can actually pull them out and dont have to sit on them anymore.

 

Huggy regards x

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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You might find these interesting OF the 1st one is a basic summary

 

 

 

executive summary

 

 

and this one is the full report, could take you a week or so to read, I haven`t managed it yet LOL

 

 

 

Market study into personal current accounts

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

Link to post
Share on other sites

Thanks me old mate,

 

ill take a looksie now.:D

 

huggles

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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WADAYAMEAN OLD !!!!!!!! :eek::eek::D

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

Link to post
Share on other sites

pmsl comes to all us all eventually stone :rolleyes::D

 

Hiya Overflow

 

How you doing, long time no see, hope you are well

take care

 

 

 

Tills xxx

 

 

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HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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  • 2 months later...

HI Tilly

 

not been around for a while. just popping in now to see if there is any news.

 

Ive been in wales for a few days to chill out after my ordeal the other week when i was held up at gunpoint at work and had to give the contents of the till to two little scumbags.

 

not only robbed by the banks but by these two sicko's as well eh.

at least this time it wasnt my money ha ha.

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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