lolypop v halifax ***WON***

[lolypop]

hi

everyone hoping for some much needed help and advice. am trying to claim back approx £9000.00 have just discovered your fantastic website, have been going it alone thus far with some template letters obtained from a friend. i think i am at what you call the LBA letter,am just about to post it tomorrow. would like to no if anyone has been successful with a similar size claim; are there any differences, costs etc all advice and pointers would be greatly welcome thanx

[Michael Browne]

9k would mean Fast Track, where you could be liable for up to £750 in cost should you lose. But there is Standard Disclosure, whereby the bak#nk would be required to reveal a breakdown of their costs, which they have steadfastly refused to do. Instead they settle just before court

 

Fast Track Guide

Fast track and multi track

 

These 2 threads may be useful:

STEP-BY-STEP INSTRUCTIONS

Example Step-By-Step Instructions

Guide to Reclaiming Bank Charges

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

[**Tilly**]

i really hope they do settle i got to go fast track dont fancy paying 750.00 costs

[lolypop]

hi michael browne thanks for them links, i,ll check them out. just a bit worried about that courtcase at the end of the month i cant remember the guys name v natwest, thats the last thing we need right now a negative precedent being set.

[lolypop]

can someone please explain what overdraft interest is, doing my spreadsheets at the mo thanx

[lolypop]

have claimed interest at 8% as per county court guidelines was just wondering is there any difference or advantage with overdraft interest i feel a little silly but if you dont ask you dont know

[lolypop]

can anyone put me on to a link for halifax list of charges please

[lolypop]

can someone tell me if halifax used to charge £35 for an unpaid transaction in 2005, also i have a couple of odd charges in 2004 £20 & £48 would appreciate some help please guys

[**Tilly**]

yes i had several of that amount as well

[**Tilly**]

hi lolypop just checked my statements 2005 charges 35.00 but i cant see any for 20.00 or 48.00 for 2004 they 30.00 sorry cant be of more help

[**Tilly**]

hi the only other charge with an odd amount is 28.00 they charge for going over drawn ive got none for 20.00 sorry couldnt help

[sea-sidelady]

Yes they did used to be £35, now they are £39.

 

If is says charge next to it, then add it to your list.

[lolypop]

thanx tilly 49 i,ll be able to sort my spreadsheets now, i,ll put the odd ones in the miscellaneous pile there,s only three two at £20 and one at £48

[**Tilly**]

your welcome good luck with your claim mine goes in monday

[overflow]

hi lolly , if you go on to the halifax website you can find the interest rates there.

ive just been lookingmyself as ive got charges of £20 too, and one for £69 dont know where that one came from?

i was horrified to see some of them didnt realisse thats how much they chared .

this site really makes youthink. Never bothered about looking before just thought it must be ok its the bank. HAH

Im so glad i heard about this site now though and even though i cant get my head round some stuff im determined to learn and fight to get what is mine back:)

hope this helps and good luck

regards

[sea-sidelady]

They are ok. i had some £20 ones, and they can clump some together, so yes add them on.

[lolypop]

Thanx sea-sidelady

[lolypop]

it,s money in the bank as they say tilly 49 have you already got yours spent i know i have ha ha. thanx overflow i know what you mean i,ll be paying more attention from now on

[**Tilly**]

oh yes a good holiday with the girls and a family hol

[lolypop]

Hi not sure can you help, do i send copies of my statements plus schedule with my LBA or will just a schedule of charges suffice, and should i use recorded delivery.

[mackem67]

Hi lolypop, you only need to send your schedule of charges. No need for statements.

Yes I would use recorded or registered if you prefer.

Good Luck

[lolypop]

thanx mackem67 also i,ve listed overdraft interest in the same column as the charges with statutory interest in a seperate column is that correct i wasn,t sure it,s a big learning curve but i know it,s going to be worth it when i get my money back

[mackem67]

Sorry I don't know anything about the interest part. I only claimed the 8% at court stage..................I didnt have an overdraft or anything and wasnt sure about contractual interest.

Can anyone else help with that?

[TAKEN4AMUG]

Hi lolypop, I too have a charge of £48. I think they changed the excess O/D between June 2004 and July 2004,from £20 to £28. as any I had after the end June 2004 is for £28. I took it that the £48 charge I had at the end of June was for a £20 one + a £28 one. Probably another con!!!

[overflow]

hi lolypop,

which spready did you use ?Ive been using the one off mindsia found that to be the easiest one to do as I dont know about you but Im no wizz kid when it comes to interest.although i have come to understand them a bit better after reading "me v halifax" gives a way of working it out that even i could understand

 

regards:)