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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
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AJ. vs Halifax


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Hi everyone. Ive been watching these forums for a few months now and decided finally to take the jump and try to reclaim my charges from the Halifax. I sent in my request for full details approximately 8 weeks ago and recently received details of the amount of charges.

 

I sent a preliminary request for repayment dated the 16th May by recorded delivery to the head office. And prepared myself for a long wait. However today (22nd May) I received their reply dated the 19th May basically telling me that they had checked out my complaint and they were happy that this was within their guidelines etc. (I think at this point they expect me to go away!) Now I expected this from reading everyones threads on this. So Im now preparing my Letter before action.

 

For the record this claim is for £1436.

 

~alysa

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You seem to know what you are doing. Any problems just ask, some one will help you along the way. :D

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

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Hi AJ,

I'm at the same stage as you. I received my letter this morning telling me my complaint had been declined. As an ex member of staff I did wonder if this had anything to do with it, but I'm going to send off my LBA today too. I'll keep watching yours...

Lelbel

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Hi lelbel.

 

From what Ive seen its a standard reply. At least they were quick about it and didnt leave me hanging the traditional 4 weeks then turning it down. Now we are free to move on to next stage and show them we dont have any intention of *going away*

 

~alysa

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  • 3 weeks later...

Hi again. My 14 days after the LBA is up today and lo and behold I just received a letter from them offering me a goodwill gesture of £690. As my original claim was for over £1400 could anyone tell me what the next step would be for me as obviously I would prefer to go for the full amount and not settle for this offer. Thank you

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Now you are ready to file at court.

 

Have a read of this link, it might help you decide the best option.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

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

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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can anyone give me advice on how to claim daily interest figure that needs putting on an N1 form please. Just in the process of filling out my claim form and came across it. I have done the statement of claim with the 8% interest so any help appreciated.

 

Also after re-reading the forums Ive noticed threads about bank charges being taken from benefits. As my account is fully funded with invalidity payments I was wondering if I should make the bank aware of this before filing the N1.

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Take you charges and times by o.ooo22

 

So if your claim is 1400 x 0.00022 =30p

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

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 1 month later...

Thanks for the reply you left. Court costs left out. Went this morning to my local county court to take my N1 duly filled out. I was at the point of almost taking a bloody valium as I approached the steps but I have to admit it took me less than 10 mins to get it all over with. Sometimes things really arent as bad as they seem to be! I can see though where these banks are hoping that most will fall short of the last hurdle and not actually go through with the whole court process.

 

Well anyways no point writing a book about it here. I can settle down to coffee now and start the waiting game. Yet again! Thanks for everyones help so far. I will keep you all updated on progress

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Well done...:)

 

Glad it was painless for you.

 

So now you are just waiting for them to send your copy back to you, theis will have your date it was deemed served. This is the date you will be working from.

 

 

Let us know when you get it.

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

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Received my notice of issue today stating date of 21st July will be the date they deem it issued. Now I guess I wait for the 14 days to see what happens.

 

With relation to my 2nd claim I received a letter this morning offering me as a gesture of goodwill around 50% of the claim. Needless to say my rejection letter will be in mondays post and my N1 filed the same day considering how painless it was the first time.

 

Thank you all for the help you have given me so far.

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Well anyways no point writing a book about it here. I can settle down to coffee now and start the waiting game. Yet again! Thanks for everyones help so far. I will keep you all updated on progress

 

Spoilsport!

 

You know something?

 

Sometimes it helps (others) if you do just that!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 2 weeks later...

I received my acknowledgement of service this morning from the court saying that the halifax had full intentions of defending this claim. I know that this now would generally give them the 28 days in which to file. I also received a letter from the Halifax at the same time confirming that they had now placed my claim on hold until the outcome of the test case and also that they intended to apply for a stay should any court papers be issued ( I think they a bit behind the times here as they have already had them issued) but anyways what I wanted to know is do I just leave this court case for my claim to just hang now or after the 28 days still apply for judgement knowing full well that the Halifax will then request this stay. Any advice most welcome. thanks.

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Im back again for yet more advice. I have two claims running with the halifax. One in my name only and one in both myself and my partners. Both have had N1's issued, one had acknowledgement of service with intention to defend issued. However on the other one I have today received a cheque for £496 which it claims is in full and final settlement of my claim (my claim being for £1207) can anyone tell me what I should do now as this is really starting to play with my head. Thank you!

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  • 2 weeks later...

Ive received a defence from the halifax this morning together with an allocation questionnaire from the Court. Could anyone tell me what this is, what it does and how I should fill it in. Is it at this point that I need to do the bundle of court documents or not. Any help appreciated as I kinda feel out of my depths now.

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Ok, dont worry, this is very typical now to recieve this. Halifax are just catching up to the rest of them.

 

Have a look at this thread to see if your defence is the same as other peoples.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/110071-urgent-halifax-defence-filed.html

 

Also here is what you need to help you fill in the AQ.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-aqs-stays-strike-out.html

 

And you need to have 3 copies.

 

1 for the court

1 for Halifax

1 for you!

 

Here is the link to make copies.

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

 

If you need any more help with it, just ask...:)

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

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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I received a completed allocation questionnaire from the solicitors acting on behalf of the halifax. In the space set out for other information they put

 

*The test case between the Office of Fair Trading and Abbey National Plc, Barclays Bank Plc, Cladesdale Bank Plc, HBOS Plc, HSBC Bank Plc, Lloyds TSB Bank and Nationwide Building Society is not expected to be timetabled to be tried until the end of 2007, the defendant respectfully asks the court to stay the claim pending the final decision of the test case*

 

Now when I put my original POC in I used the standard one from this site. However its since been brought to my attention that as myself and partner were on benefits at the time and that all charges have been taken out of such benefits that under the new terms imposed by the FOS that maybe I could go ahead under the new hardship clause that they have.

 

If this is the case does anyone know the wording I could use to ask that the Halifax not be allowed to stay the proceedings because of such hardship for my allocation questionnaire.

 

Also once the questionnaire has been filed does it mean that the next stage is to attend Court or should I perhaps write to the Halifax to inform them of the fact that all charges were taken out of benefits and ask that they consider it under hardship case.

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