My brother V's Halifax ***WON***

[thewifeandI]

ok have worked it out and the charges comes to £1,468, i know that the 8 interest gets added on at the court stage but on all the statements where there is a charge there is also a line which says

 

Interest debited - notified last month.

 

There was no overdraft with this account so should this interest be added no to go with the prelim

 

Thanks

You can use the spreadsheet from the site to calculate interest debited and how much is due to the charges - get the complex version (Link in sig below).

[aardvark the lecturer]

Hi there, about the "charges as notified question"

from reading through other threads and posts, it seems at one time they were using this fact to kick up a fuss, but currently they have not been making any reference to the matter at all. (Since you requested all information and thats all they gave and all...)

I've recently sent my table of charges off with only that as the detail, and several winners in the last few days have done the same.

 

Good Luck!!

[dj0586]

okay guys, i spoke to my brother and he's hapy just to go for charges for now, so letter in post this morning, next update 14 days from now

[dj0586]

have recieved the good old, give us four weeks and we'll have a look letter, LBA ready to go on monday

[dj0586]

ooo, its getting closer, drafting LBA today to go on tuesday morning, becuase they made an offer afternm my prelim should i change the opening line of LBA from "I am dissapointed with no response" to "dissapointed with no satisfactory response"

 

Thanks in advance

[mechs]

there is a letter rejecting the offer in the templates library just in corperate it in your LBA

[dj0586]

ive already sent the rejection letter, this is purely the LBA now, should i just leave out the no response but, or say iwasnt happy with the response

[Lucycat]

Yep, just put in a 'lack of satisfactory response' bit instead.

 

All the best with your claim,

 

Lucy.

[dj0586]

ok second offer through of £610, next rejection going of tomorrow, starting to complete moneyclaim application

[aardvark the lecturer]

Good on you, keep at it and hold out for the full amount!

[dj0586]

ok, going to file moneyclaim app on wednesday, just to clarify, i submit the moneyclaim application, i then recieve a letter sayingt he bank are going to defend. At this point i have to send off the court bundle to all parties concerned. Is that correct.

[joenfield]

hi there,

reading other threads it seems not, put in charges as notified, the banks can defend or explain them if they have to!! as long as that money has been taken from your account for charges as notified it is refundeble good luck:lol:

[dj0586]

ok guys, im going to submit MCOL tomorrow, a few questions

 

1) Im assuming im ticking no to the breach of human rights section, but do i tick yes to the right to reclaim interest.

 

2) I have opened the MCOL account in my name but am claiming for my brother, his name is down as defendant can i tick yes to (I am the claiment at the end ) or will he need his own account.

 

Thanks in advance (its getting exciting isnt it)

[Angi]

ok guys, im going to submit MCOL tomorrow, a few questions

 

1) Im assuming im ticking no to the breach of human rights section, but do i tick yes to the right to reclaim interest.

 

2) I have opened the MCOL account in my name but am claiming for my brother, his name is down as defendant can i tick yes to (I am the claiment at the end ) or will he need his own account.

 

Thanks in advance (its getting exciting isnt it)

 

Hiya

 

Your nearly there, I didnt do MCOL, I had to go into the court, but from what I know answers to your questions -

1 - NO

2- the banks the defendant, your brother is the claiment

 

if I am wrong Im sure someone will jump up & say so.

 

Good Luck with Your Claim

 

Angi x

pm me if you get stuck ok

[Angi]

Hiya

 

Your nearly there, I didnt do MCOL, I had to go into the court, but from what I know answers to your questions -

1 - NO

2- the banks the defendant, your brother is the claiment

 

if I am wrong Im sure someone will jump up & say so.

 

Good Luck with Your Claim

 

Angi x

pm me if you get stuck ok

 

YES to the interest (sorry missed it out)

[dj0586]

ok, MCOL completed this morning, is anybody else at a similar stage to compare times with. Time to get started on the court bundle just in case

[aardvark the lecturer]

Hi dj,

 

I did my MCOL on Tuesday,

 

MCOLL ONLINE filed tonight.... total charges (including 8%) now over £5,000 so court fees were £250.

 

Let the biting of fingernails commence.....

 

and then,

 

Received notice of issue today,

 

case will be deemed served on the 9th Oct,

 

defendant has until the 23rd Oct to reply..........

 

You can check my responses so far by clicking on the link in my signature.

 

Good Luck!

[neilbass]

Hi

 

Claim issued 26/9, Acknowledgement of service 29/9, served 1/10.

Offered me charges, overdraft interest and court costs back, but refusing to pay the 8% s.69 interest. Awaiting their response currently.

 

Have also contacted the MCOL helpline people to make sure I'm entitled to the s.69 interest (though I'm pretty sure I am as everyone is claiming it!).

[aardvark the lecturer]

Have also contacted the MCOL helpline people to make sure I'm entitled to the s.69 interest (though I'm pretty sure I am as everyone is claiming it!).

 

You are entitled to claim it,

they are entitled to offer whatever settlement amount they like,

you are entitled to refuse it,

they are entitled to either make a better offer,

or go to court and defend themselves.

 

I know which my money's on :grin:

 

I'd stick at it and reject their offer. Good Luck!

[neilbass]

Cheers Aardvark - I suppose the only pleasure they have left is making us wait a bit longer for our payout!

[aardvark the lecturer]

The cold hard reality is that for every move they make, a percentage of claimers will accept or drop out, saving them money.

I hope that with the increasing exposure in the press, and the increasing subscription to this site that the percentage can be reduced down to zero.

 

When that happens I think they will have to do something about it, perhaps even go to court and set a precedent............. or a reasonable charge.

 

I must admit, I wouldn't want to be the defendant in the case that finally does go all the way though!

[neilbass]

How many CAG people would go to the court do you think??

 

The amount they are paying out now must be starting to worry somebody at the banks by now mustnt it?

[aardvark the lecturer]

You'd think so wouldn't you. The amount they actually MAKE on these charges is still probably more than they are paying out though. Perhaps that will be the trigger point for them to do something?

 

How many CAG people would go to the court do you think??

 

 

Interesting question.... watch for a new thread appearing in a minute......

[dj0586]

i would love to go to court just to have halifax in a box and make them disclose how they come up with their figures

[aardvark the lecturer]

Hi dj,

sorry for hijacking your thread a bit earlier....

 

I've posted a new thread on this subject and would love it if you would repeat your comments in there as well.