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Moneyhelp Vs Halifax Visa**WON**


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Got everything crossed for you money, & overflow. xxxx

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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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Received a letter from my local court this morning.

 

The defendant files an acknowledgement of service on 19th July 2007

The defendant responded to the claim indicating an intention to defend all of the claim.

The defendant has 28 days from the date of service of the claim form with particulars of claim, or of the particulars of claim, to file a defence.

 

The acknowledgement was filed by the solicitors acting for the defendant who have given the following name and address for service of documents

 

HBOS PLC

Legal services - retail division

Halifax

West Yorks

HX1 2RG

 

I now need to search and see that the hell this means as it's a different letter to my bank account :D

 

Having gone through all my paperwork today - I have noticed that this court claim is for my statements - no wonder they are defending, I've had them ages, it might also be the reason I have now had 2 lots! I did write to the court to say this claim was settled. I will sort it out Monday when I file my N1 :o

 

So back to where I am now - My LBA is up tomorrow, I will give them a call and ask if they want to give me my money back, if not I will file at court.

If I get to file at court I am claiming contactual interest on this and my Barclaycard - I feel if they have charged me high interest, then I shall charge them too. :D

Onwards and upwards.....

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Got a letter from Halifax Visa this morning.

 

Thank you for your communication regarding your account and I regret that you have found cause for complaint...

 

Blah blah blah blah

 

I am prepared to offer you a refund of charges to the value of £xxxx which represents half the charges applied to your account over the past 6 years.

 

If I don't hear from you in the next 8 weeks i will assume you are happy.

 

They enclosed a full and final settlement letter for me to sign and send back.

 

Dream on Halifax - I'll see you in court. :lol:

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Awwww and they were trying to be sooo nice...:eek:

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I don't get why they offered half though - I mean Barclaycard offered me the difference between the £30 and the £12 the OFT said was "fair".

 

Well - Halifax have now shot them selfs in the foot - I will now do my N1 with CI added - anyone know what rate we are charging them??

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I,m a silly Billy.

 

I have just got my wifes statements from Barclaycard Visa. I was going to issue LBA. I did 8%, so I take it I should change to CI. That will make a huge difference-

 

As MacBoy would say- Kerchiiingg!!!!!!!!

 

Can you please point me in right direction for a SI spreadsheet and I will redo my calculations, sorry my wifes, today!!

 

From memory, the charges over 6 years were £900.

 

Ta Moneyhelp.

 

:)

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Can anyone help?

 

I am trying to find out what interest rate to charge Halifax Visa - on my statements I have:

 

Balance Transfers: 22.53%

 

Purchases: 22.53%

 

Cash 23.95%

 

Cheques: 23.95%

 

As I have all these items on my account, what rate do I use for Contractual Interest?

 

At the top of my statements it says: TYPICAL 22.5% APR (Variable) is this what I use?

 

Help would be appreciated. ta.

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BAILIFFHUGGER thanks for the link - it looks like it was removed but I got it in my email - I will go take a look and maybe get more help than I get here!!!!!!!!!!!!!

 

Looks like you have been removed too :o

 

Thank you!

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