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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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GaryH vs Halifax


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I have as a matter of course kept my last six years of statements. I have been setting up a business in the last four years and have an authorised overdraft of £2000. I have incurred many costs to the tune of nearly £1000 - what interest can be claimed. Do i include interest debited at the end of each month as well as all the charges in my prelim letter?

 

kind regards - brilliant website!

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Hi gary and welcome to the site.

 

There are 2 options to you here with regards interest.

 

The first is to wait until you fill in your court claim and then claim 8% (as under s 69.) If you send the bank a letter before you have given them time to pay up demanding 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back.

 

 

Or claim at the interest rate they charge you from your first letter.

 

I am now doing the latter with my credit card and storecards.

 

Hope this helps

 

Natalie

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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  • 4 weeks later...

Have sent preliminary leter to halifax claimimg charges and interest amount as in prelim template letter, got the standard response - offered me £37.50 out of total of £675 + £69 interest charges. Have now replied with lba as not response i required am i right to include the schedule of charges and the interset again. this is a little confusing as some threads state dont send interest amount unti court claim but the prelim letter and lba have the said amounts as £XXX's. Assuming that because they have made me an offer they know they are in the wrong. They also state that there will be no more refunds. Have I cocked things up by sending the template letters with interest calculated? Have sent LBA today.

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You can't legally claim the 8% interest until you get to the stage of issuing county court proceedings but don't worry too much about it.

 

Make sure you do give them enough time though ie 14 days prelim and 14 days lba.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Have sent preliminary leter to halifax claimimg charges and interest amount as in prelim template letter, got the standard response - offered me £37.50 out of total of £675 + £69 interest charges. Have now replied with lba as not response i required am i right to include the schedule of charges and the interset again. this is a little confusing as some threads state dont send interest amount unti court claim but the prelim letter and lba have the said amounts as £XXX's. Assuming that because they have made me an offer they know they are in the wrong. They also state that there will be no more refunds. Have I cocked things up by sending the template letters with interest calculated? Have sent LBA today.

 

What interest have you asked for the 8% you add on when you submit the court claim? or interest that they have charged you for having failed direct debits or whatever? If its the 8% then that is only added when you take out the court summons.I suggest you read the FAQs and spend a few days reading some of the threads before going much further otherwise you are going to get yourself in a pickle

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I have read threads until they come out of my ar*e, the interest i have mentioned is 8% of overdrawn charges i.e £25 8% over XXX number of days since the charge - is this correct? The prelim letter has blanks to fill these in and encourages you to send a schedule, reiterated in the LBA template.My prelim letters and LBA focus on the charge refund issue mainly as the templates state. I sent LBA today as I got a reply from prelim today stating that the offer of £37.50 was final and no further refunds would be offered. If we do not here from you in the next 8 weeks we will close the file, blah.....

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You have threads coming out of your arse? I'd get to the doctors mate, I had a dog with that problem once....

 

Forget the 8% interest for the time being... that was my fault for mis reading the question... You can claim the interest that has been charged to you as a result of these charges from the outset. If you sent the LBA today it doesn't really matter anyway... wait the 14 days then start your county court claim (at which point you can add the 8% interest to the total amount). Have you used the excel spreadsheet to work out your figures... this should include the formula to make this calculation for you.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Funny haha or funny I'm going to headbutt you?

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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'I calculate that you have taken £675 plus £69.67 which you have charged me in overdraft interest for the sum which you have taken. Total £744.67.

I am enclosing a copy of the schedule of the charges, which I am claiming. I have already sent you a copy of this in my original letter of the 23rd June 2006'

 

 

Yes have used the excel spreadsheet to work the figures for charges and interest which i have included in the LBA. I have stuck to the LBA wording rigidly so this focuses on reclaiming the charges plus interest if they continue with negative action. Hope i'm right the letter has gon recorded delivery now!!

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It'll be reet fella... they know the score by now.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 2 weeks later...
Can anyone help me with my court claim for my Halifax Credit Card based in Dunfermline Fife KY99 4BS. I live in England and have got to the stage where they have ignored my LBA deadline - do i file in uk or scotland?

 

If you live in England, you file in England. BTW, the UK also includes Scotland.:D

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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Ive gathered so much, dont know why i put that on the end. I cant use moneyclaim can i, the defendant being in scotland. Am i right in saying i have to use small claims procedure?

 

You havent given us much to go on have you, how much are you claiming?

 

We used the Trinity Road Adress for our credit card claim

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I am claiming £770 back from Halifax Credit Card corresponding to Fife in Scotland. Have been through prelim, LBA etc and their time was up on Friday (after offering various low amounts). Although letter header is for Pitreavie, Dunfermline, Fife (where statements came from) it also shows Halifax head office address in Halifax at the bottom, do I file a claim through moneyclaim or small courts. Ive heard moneyclaim addresses have to be in England or Wales for both claimant & defendant, or do I file against Halifax address and let them pick up the pieces? Any help appreciated.

 

gary. :confused: :confused: :confused: :confused: :confused:

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4 Halifax threads merged

 

Your question has already been answered in another thread (now merged).

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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You have a choice. Moneyclaim is considered more convenient by some, but doing it in person can allow you more details on the Particulars of claim, and also allows you to include a copy of the spreadsheet of charges with the claim, something you can't do with the online version.

 

Both cost the same.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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