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Hi Stone.

 

Just wanted to thank you for click. Glad to hear youve got your court date sorted out now.

 

Isnt the OFT case supposed to start on the 14th Jan.

You never know things might be all done and dusted by the time your date is here. Wouldnt that be great. Not having to go to court, just wait for the banks to put the money in your account after they lose and are ordered to pay EVERYBODY back, without them applying.LOL.

You go and enjoy your hols you deserve them now.

 

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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Two chances of that old friend, fat and slim.

 

Bet the banks turn up on the 14th and ask for a six month adjournment whilst they get their defence sorted out

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

[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

 

Dont be saying things like that:eek: .

 

I hope not for your sake.

Are you going somewhere where its nice and sunny for your hols.

Think of all us on here while you lounge about relaxing. We'll be shivering in the cold and damp. Lucky old you .

 

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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  • 2 weeks later...
HI Stone

 

Dont be saying things like that:eek: .

 

I hope not for your sake.

Are you going somewhere where its nice and sunny for your hols.

Think of all us on here while you lounge about relaxing. We'll be shivering in the cold and damp. Lucky old you .

 

Regards.

It is as bad here. had a couple of nights temp below zero, but has been sunny and warm most of the days, temp in 20`s. still one more week to go and weather is getting better.:D:D: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

 

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Hi me old mate.

 

What a nice suprise to hear from you.:D

 

Just stop rubbin it in though eh! We are all freezing here.

Brass monkey springs to mind. LOL

Glad your having a good time.

Hurry up back we miss you. ;)

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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Hurry up back we miss you. ;)

 

 

well it is quite thats for sure:eek:

you enjoy the rest of your hols and the sun:D

 

 

A-Z Index

 

 

 

 

 

 

 

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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Hi Tilly

 

Its far too quiet on here. I wonder if all the courts have put stays on cases .

Nothing seems to be moving around here lately.

Im still trying to get to grips with this pending court 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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HiYa stone, hope you're enjoying your hols, overflow's right, it's freezing here & it's wet.

It's soooo quiet here, it's as if everyone's gone to sleep for the winter, lol.

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

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.

 

[sIGPIC][/sIGPIC]

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  • 2 weeks later...

Luv the seasonal avatar Ja-de

Well back from hols, had a great time, but now back to sitting on thumbs, naff all happening

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

[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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The new avatar, before you ask is a CAGANER, the Catalans put one into their nativity scenes. It is a little person taking a dump and it signifies fertility, good health and it is considered good luck to receive one as a gift from a friend!

 

And it is seasonal and more fun than an angle or santa or tree and suchlike

  • Haha 1

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

[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

Hi There Stone.

 

Nice to hear from you .:-) Glad you enjoyed your hols and I love your avatar. Where do you find them, very unusual LOL.

 

Just 13 days to go now and the nerves are starting to jangle a wee bit. Ive never been inside a court before so think its just the fear of the unknown, but I suppose I'll be ok.

 

Doubt if I'll be lucky enough to get the claim to proceed though but at least I'll have tried. Hopefully we will all be smiling after Jan test, just hope it doesnt drag on too long.

 

Why has yours been moved back , did they give you any reason for that. Perhaps they know something we dont eh!

 

One of my daughters freinds was going after the Nat West as a hardship case and told me yesterday that she has now had her o/d wiped clean and had a cheque for the rest of her charges. Did it for her on Tuesday, she's well chuffed.

She had Judgment granted 2 wks ago and rang the bank to ask if they would pay out , some woman told her they would go for a stay so she quoted the S.S. Act 1992 (I think) to her , next thing she had some bloke ring her to say they would settle. Just goes to show there is light at the end of the tunnel, some banks are still payin out. Hope this gives hope to people to keep bangin away, not to give up.

 

Ive managed to get myself a part time job as well now so I'm pleased at that, at last. All the knock backs made me feel that I was over the hill, but theres life in the old dog yet.LOL;-)

 

Will post if there are any new developments , Good Luck with yours and relax and enjoy Crimbo cause then its back to the grindstone.

 

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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Just 13 days to go now and the nerves are starting to jangle a wee bit. Ive never been inside a court before so think its just the fear of the unknown, but I suppose I'll be ok.

 

Doubt if I'll be lucky enough to get the claim to proceed though but at least I'll have tried. Hopefully we will all be smiling after Jan test, just hope it doesnt drag on too long.

 

Why has yours been moved back , did they give you any reason for that. Perhaps they know something we dont eh!

 

Regards :)

 

Good to hear from you OF glad to hear that you have got yourself working again, it does make you feel that you are still a useful member of society (even if you are not LOL). old.gif

they changed my hearing date cos I asked them as the original date was during my recent hols, and I do think that they are more in the dark than we are !!

you never know but your Judge might be feeling all christmassy and give you an early gift !! never know your luck, in general the hearings are held in the judges chambers and are a tad more informal than court, and he will look out for you as you are new to all this, at least he/she should do. good luck with it anyhow. pak5.gif

 

and whatever have a really good crimbo

party.gif

 

Stone

  • Haha 1

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

[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

 

Thanks for the vote of confidence, but couldn't you have at least given me a nice young chappie in the box. Dont want anyone to think I'm turning.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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".......... And now for the good news.

 

The OFT have extended the banks waiver until July.

 

 

But if the banks are refusing to accept genuine hardship cases i.e. if you are in danger of losing your home or cannot paty for gas, elec, or food the FSO can and will take up your case.

 

this info in newsletter from "moneysavingexpert.com"

  • Haha 1

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

[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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Stone

 

Are you sure? I can't find anything about this anywhere... :confused:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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".......... And now for the good news.

 

The OFT have extended the banks waiver until July.

 

 

 

Due to son`s 21 birthday party last night I appear to have mis-read the penaltycharges.co.uk news letter.

Please disregard this potion of the post . Sorreee if I have caused any alarm and dispondancey . the full text of the newsletter is as follows:-

 

forum

Dear stonedecroze:

 

Christmas is just around the corner - the New Year Celebrations to participate in and recover from - and then January 2008 - scheduled date for the OFT Vs Banks test case! Back on 25th July - who would have thought 6 months could pass so quickly?

 

The bad news for the banks is that we are still here - and still waiting for them! The last 6 months have been frustrating but we must thank the OFT for the time and opportunity to develop our Consumer Advice Centre - more news on that later on in the newsletter!

 

We have Penalty Charges Christmas quiz night yes login to the chat room on the 15th December at 7pm and you could be a winner we have some great prizes to give away.

Prizes that have been donated so far:

 

1st Prize: I shuffle

2nd Prize: £10 boots voucher

3rd Prize: Leona Lewis CD

4th Prize big box of Chocolates

 

If anybody else would like to donate a prize, please can you PM Sim to let him know what you are donating and post the prize to him at PO Box 840, Horsham, RH12 9FQ - if you wish to donate money so we can buy some items please donate in the normal way but please tell me that its for the XMAS party quiz

 

Our very own rezza8 has also had the opportunity to develop penalty charges very own myspace site! In addition over the last few year rezza8 has been writing and producing and song music for this site and I must say it has been excellent. Well any day soon he will be launching a new version which we are hoping to launch in to the charts.

 

We have also now launched an auction site within the forums (VBay) and the best part is there are no fee's you can sell your unwanted products for FREE.

 

So remember to keep logging into penaltycharges.co.uk for all the latest news and views on the OFT case and much much more!

 

I would like to take this opportunity to wish all members - old and new - a very happy Christmas and prosperous New Year from all the “staff” at penalty charges.

 

 

GENRAL NEWS:-

 

 

The FSA

 

The FSA have now announced that it is extending the waiver introduced in July, which allows the banks to continue ignoring penalty charge reclaims. A condition of the waiver was that cases of financial hardship should continue to be heard.

 

However research from one of our own members (Well done BankWhacker) has shown that not only have the FSA collated what we would say are appalling records but their reply our question was even more outrageous:

 

Q1) From the information supplied to you by the banks for consideration in the review, how many complaints about unauthorised overdraft charges from customers claiming financial hardship have the banks received?

 

A1) “Whilst we did not ask for this information to be provided as part of the review, a small number of firms did provide an answer, the total being 525.”

 

Whilst expressing amazement that the particular question was not asked and clearly a question that should and need to have been asked to allow the FSA to make an informed and educated decision based on facts. So now we need to ask did the FSA really look in to the waiver and see if the banks were complying with the terms or was it pre decided that the waiver would stay no matter what!

 

Although a spokes person for the FSA said that the reason for the above is they were interested on the banks ability to spot a deal with financial hardship case and note the amount of claims the banks had had.

 

Mr BankWhacker has now sent off for further information From the FSA he will be posting this information as soon as he get a response. So far the FSA answers have been concerning

 

We were all also surprised by Mr Clive Briault of the FSA comments on the money programme He Said

 

“It would seem wrong for us to exercise our powers in such a way to ban charges to customer, erm because that would as I would say seem to pre judge the results of the case it would be us taking a view ourselves to whether those charges ought to be imposed we are absolutely not taking that view what we saying is that view can only be taken by the high court.”

 

In that case by using the same argument is it not prejudging the case in the bank favour but allowing them to keep charging. Although we accept that if they did stop charges some would say that they would also be prejudging in the consumer favour. However at the end if the day it was the FSA decision to grant the waiver. so surely consumers should be protected first lets face it, the bank will not be bankrupt by not being able to apply these charges, but the horrific truth is that some consumers could and have been bankrupted because of charges.

 

THE OFT:-

 

 

Well I was in shock when I saw Mr John Fingleton on the Money programme comment on Anglea Knight comments that it might be the end of free banking so a big well done Mr Fingleton shame it took you so long but you got there in the end.

 

We have just been made aware that the OFT market study into current account charging which began in September 2006 and was due for completion in March 2007 and put back to this month, will now not be completed until well after the test case. Some members have highlighted that this information was hard to find on the OFT site

 

We have spoken to the OFT and they have informed us that they will be updating there website and are planning to making their site easier for consumers to use and easier to find information. We are also expecting a News letter from the OFT explaining what’s happing and a general update in the next few days (subject to approval) this will be posted on the site. Hopefully Monday, Tuesday next week.

 

 

Financial Ombudsman Service:-

 

 

I have spoken to the Ombudsman to day and they have confirmed that they are and have been dealing with claims of financial hardship.

 

So if you are facing losing you home or struggling to pay you bills like gas electric or pay for food. and have a dispute on bank charges then if the bank will not help and refuse to talk, then write to the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9S explain your circumstance and they WILL help

 

 

UK CLAIMS UPDATE:-

 

 

With the test case on the door step we are advising that unless you have a good claim for financial hardship and can prove it, we would have to advise that it is not worth applying for stays to be set aside. And certainly not worth the risk of appealing. We also advise this for business claims as well.

 

However on the good news front - credit card claims continue to be settled and a glance at the Barclaycard forum will prove many recent settlements. “Yet the office of Fair Trading is still refusing to re look at the Credit Card issue”,

 

Therefore all those who have refunds against Credit cards since the OFT introduce the £12 limit well done and please send do forward your letter to the OFT. letting them know you got your money back.

 

We are advising members who are about to make a claim “credit card” to consider inserting a paragraph into there POC:

 

Example: The claimant is aware that a number of cases which involve penalty charges are being stayed. however these claims are in respect of bank current accounts and not claims which are be brought against credit cards companies, moreover whilst the claimant claim is based on penalty charges, the OFT test case is only being brought against the Banks terms and conditions in respect to current accounts, in addition the OFT has confirmed that the test case does not involve credit cards.

 

 

Scottish News Update:-

 

The Sheriff Courts are in general handing back or automatically Sisting the cases pending the outcome of the OFT case a few courts are proceeding mostly at Edinburgh and Aberdeen.

 

Another practice seems to have started in Scotland of the Banks not responding to any court paperwork in respect of time scale and returns. The Claimant wins by default, the Bank then requests the Judgement overturned, due to “Administration Errors” the court responds by overturning the judgement, as the defendant has “not had due process” no sooner than it is overturned the Bank requests a Sist, Has this happened to you? Could you contact a Mod or Admin via PM with details?

 

Mid to late January 2008 brings change to the limits of the Scottish Small claim which goes from £750 in Small Claim and£1500 in Summary Cause to a Small Claim limit of £3000 and in the case of Summary Cause the increase is to £5000

 

 

Consumer News:-

 

As many of you are now aware, a lot of DCA's are using the method of Statutory Demand to get payment from a debtor or as in the case of some of our members - as a kneejerk reaction for a request for documents. For further information on this rather under-hand tactic please come and visit the Consumer Debt section. And remember if you get sent any nasty letters give TC or Ian1969 a shout.

 

Also TC will be online throughout the Christmas holidays, so if there is anything urgent - feel free to PM him or post in the consumer centre.’

 

 

And to end -

 

BBC2's Money Programme would like to hear from you see below:-

 

IS EMAIL STRESSING YOU OUT?

 

Been fired by email? Replied to all by mistake? Wish people would stop cc'ing you in? Forwarded the boss a not-so-funny-now joke?

 

So fed up, you've declared email bankruptcy?

 

Do you have an email horror story? If so, BBC2's Money Programme would like to hear from you.

 

Please contact Penny Palmer on 0208 008 0861 or [email protected]

  • Haha 1

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

[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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Judging by that then Stone a GOOD TIME WAS HAD BY ALL EH!:D lol

  • 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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TYVM Tils, another shiny snotty !!!!!!

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

[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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".......... And now for the good news.

 

The OFT have extended the banks waiver until July.

 

 

"

 

Due to son`s 21 birthday party last night I appear to have mis-read the penaltycharges.co.uk news letter.

Please disregard this potion of the post . Sorreee if I have caused any alarm and dispondancey .

 

Flipping heck stone, all I can say to that is:-

You must have had a lot of the falling down water on saturday, hope you all had a good time.

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

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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Almost as much as SSL and Tilly on their CAG Tour I should think. 57f4dd2d586b30ffbc1412a5d9214075.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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