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Me vs Halifax ***WON***


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Just keep going. This letter is meant to intimidate you and think you are lucky to get any money at all. Without being able to post your thoughts on this forum is it feasible that you would have accepted? This is how they operate. Within the next 6 weeks you will have all your money and the 8%. Don't forget the £10 will you..............

 

 

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Hi, when they 'pay up' will this include my court fee? And is the court fee payable on the day you submit your claim form?

 

I'm going to take my claim form (3 copies) to my local county court tomorrow, the 14 days expires tomorrow.

 

Do you know what I should do about the Halifax offer? should I call them to let them know I am not accepting it?

 

Rhys

Halifax:

Claim: £421.00

Letter sent 16.05.07

Rejected my claim 18.05.07;

LBA sent 05.06.07

Capital 1:

Claim: £764.00

Letter sent 22.05.07

No responce

LBA sent 05.06.07

Abbey:

Requested statements 06.06.07

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When they pay, you will get your court fees, court costs, and charges.

 

You could send the rejection letter stating you have started court proceedins.

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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Cheers sea-sidelady,

 

I also have a cap 1 claim, they have failed to reply to my LBA (expires tomorrow), should I file my court papers for that tomorrow also? I read a few threads and it seems that capital 1 responded to most peoples LBA's so why not mine?!!!

 

Rhys

Halifax:

Claim: £421.00

Letter sent 16.05.07

Rejected my claim 18.05.07;

LBA sent 05.06.07

Capital 1:

Claim: £764.00

Letter sent 22.05.07

No responce

LBA sent 05.06.07

Abbey:

Requested statements 06.06.07

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Like all banks and cretit agencies, they dont always follow the same pattern.

 

If your Lba runs out, then yes you can file this aswell.

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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Thanks a lot.

 

One final question, does my value section look ok to you?

 

Charges £411.00

Interest under s.69 County Courts Act 1984 £124.23

Court Fee £80.00

Claimants cost for obtaining statements to determine charges £10.00

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.11 per day - (CHARGES £411.00) + (INTEREST £124.23) x 0.00022 = £0.11 per day)] OR at such rate and for such periods as the court deems just.

 

I had an overdraft at the time and I struggled with working out the interest for overdraft as a result of the charges but I'm fine with just claiming £534.23 plus statement charge.

 

Thanks for all your help, couldn't have got this far without the help of the people on the forum, I'll be sure to donate once I receive my money!!

 

Rhys

Halifax:

Claim: £421.00

Letter sent 16.05.07

Rejected my claim 18.05.07;

LBA sent 05.06.07

Capital 1:

Claim: £764.00

Letter sent 22.05.07

No responce

LBA sent 05.06.07

Abbey:

Requested statements 06.06.07

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If you had an overdraft then you add the interest to your charged for your daily interest. So it works out at 24p a day.

Apart from that it is fine.

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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RESULT...

 

I was all ready to submit my N1 yesterday but before I took it to court at lunch time I decided to call and give H'fax one more chance, I called Hugh Jones (customer relations manager) and left a message for him to call me before lunch, didn't think he would but he did abount an hour later. He offered me £300 of the £411.00 I was claiming, I refused. He then asked me what I thought was a fair charge, I stated that £2.50 was fair but as they were unwilling to reveal their actual costs, I said I would still be claiming it all back. He agreed and stated that he would be sending me a letter in the post for me to sign and return. I asked for the £10 for statement charges which he refused to add but I was so happy that I had won that I wsn't really that bothered!!

 

Thank you for all your help... next are Cap 1!!!

 

Rhys

Halifax:

Claim: £421.00

Letter sent 16.05.07

Rejected my claim 18.05.07;

LBA sent 05.06.07

Capital 1:

Claim: £764.00

Letter sent 22.05.07

No responce

LBA sent 05.06.07

Abbey:

Requested statements 06.06.07

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!!!congratulations!!!

That seemed painless!

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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CONGRATULATIONS, CAP 1. are easier......

Regards.

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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CONGRATULATIONS...!!!!

 

Well done, that is fantastic. :D :D

 

Dont forget to take the survey, and donation maybe??

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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Yes of course, I'll be making a donation when my capital 1 claim wins!!!

 

Like I say, I am really greteful for your help!

rHYS

Halifax:

Claim: £421.00

Letter sent 16.05.07

Rejected my claim 18.05.07;

LBA sent 05.06.07

Capital 1:

Claim: £764.00

Letter sent 22.05.07

No responce

LBA sent 05.06.07

Abbey:

Requested statements 06.06.07

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Hi everyone, just thought I'd let you know that halifax paid me £411.00 in to my account on 23rd june!

 

Also filed my papers in court against Cap 1 on 28th June!

 

Rhys

Halifax:

Claim: £421.00

Letter sent 16.05.07

Rejected my claim 18.05.07;

LBA sent 05.06.07

Capital 1:

Claim: £764.00

Letter sent 22.05.07

No responce

LBA sent 05.06.07

Abbey:

Requested statements 06.06.07

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