carlieanna v Halifax ***SETTLED IN FULL***

[carlieanna]

Well after looking through the site for a good week and finally sorting out my activation( long story dont ask) I have finally handed over my Data Protection Act and advised a fair few mates to do the same.

I guess I am owed roughly 200 squid from when I was in debt a few years ago, hoping it will be more:D .

It will be lovely to be able to go shopping with out having to worry about where the money is coming from. I know we shouldn't have had the ludicrus bank charges in the begining, but it will lovely to have a lump sum, instead of drips and drabs.

Good luck to everyone.

Carlie

[pmhread]

Best of luck Carlie Sounds like you have it sussed.

[carlieanna]

I have now opened a parachute account YAY.

Will just leave it dormant for the time being as I havent had any charges in well over a year, so doubt they have reason to close my account when I get mt money back.

Am also helping my brother and sis in law to get theirs back, my brother has about a grands worth and he is chuffed as it will get him out of debt.

Still waiting to get my statements through, hope I don't have to wait too long;)

carlie

[pmhread]

Hi Carlie

 

Might be worth giving them a quick ring just to make sure they have the letter and are actioning your request.

[carlieanna]

Hello

Phoned walifax today aqnd there was no record of the dpa request, so the very nice lady on the end of phone debited the fiver and my statements should be arriving in the next 7-10 days.

I am starting to think it easier to phone them in the first place like my friend did he got his statements last week:confused: . Never mind hopefully Things will start to move forward now.

carlie

[ScotsJamie]

Good on you! You'll have your money in no time!

[pmhread]

Hello

Phoned walifax today aqnd there was no record of the Data Protection Act request, so the very nice lady on the end of phone debited the fiver and my statements should be arriving in the next 7-10 days.

I am starting to think it easier to phone them in the first place like my friend did he got his statements last week:confused: . Never mind hopefully Things will start to move forward now.

carlie

 

Probably but not to worry. They're getting used to all this by now.

[carlieanna]

HEELLLOOOOO

Well I finally received my statements today, Have been through them all twice and have charges totaling £274, so Will be sending my prelim today, I am so looking forward to a nice wad of cash in my bank account, lets just hope they take it to court so I can add interest.

Good luck to everyone else.

Carlie

[carlieanna]

Life reared its ugly head and I am now only able to post off my prelim, its sealed and ready to go, so 14 days away and I'll be sending my lba.

You would of thought they got the message by now and we would be getting our money a bit quicker, oh well their loss.

carlie

[carlieanna]

Hi there

Well I sent off my lba a few days ago (monday) and received a phone call today from a very polite lady who already new I wasn't going to accept their very reasonable offer of £190:o :o :o , I'm only reclaiming £274.

I gladly refused

so in 1 and a half weeks I shall be putting in my money claim form.

Carlie

[betuaintgotthis]

Good to see your back on track:D

[carlieanna]

Hello

well I am finally getting round to filling in my money claim, how do I work out the daily interest rate as I am compleately bewildered.

If any one could help asap please do and cheers in advance.

Carlie

[Michael Browne]

Daily rate is just your charges (without s69 8% interest) X 0.00022

 

eg £495 x 0.00022= £0.11p

[carlieanna]

Thank you Thank you, better go and:D find a calculator

[carlieanna]

also

do I need to include a sumary of charges with my money claim if so how on earth do I fit it in.

I know I'm useless:p

[carlieanna]

Claimant has account ******** with defendant

from ***** 2000 conducted on their standard

terms and conditions. Claimant is claiming

the return of £274 taken by Defendant in

charges over 6 years. The Defendant's

charges are a disproportionate penalty and

therefore unenforceable as they are contrary

to common law. They are also invalid under

the Unfair Contracts Terms Act 1977 s.4 and

under the Unfair Terms in Consumer Contracts

Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a

penalty they are unreasonable within the

meaning of the Supply of Goods and Services

Act 1982 s.15. Defendant has declined

justification of charges despite repeated

requests. Claimant claims interest under

Sec.69 of the County Courts Act 1984 at a

rate of 8% a year from 30th june 2001 to 18th sept 06 of £59.21 and also interest at same rate up to the date of judgment or earlier payment at a

daily rate of £0.06 .

[Michael Browne]

POC seems fine

 

You can't attach your schedule. Once you know your claim no. you can send 2 copies to moneyclaim clearly marked with you claim no.

[carlieanna]

cheers

michael

and oh cr**

blinking money claim don't accept visa electron and I am £3 short on my credit card. TYPICAL.

will have to wait till partner gets home and use his.

hugs

carlie

[carlieanna]

Yayyyyyyy

have now submitted my money claim. :D :D

Looking forward to buying some plants for my garden:)

[nigel1804]

I bet they have the best blossom out of them all.Something to do with how you managed to buy them. rehards nigel

[carlieanna]

I imagine they will, I have been looking forward to getting them for a long while.

[carlieanna]

ok the proceedings have started, but when i click on the start link on mcol it says this

Do you wish to enter Judgment by Default or by Admission? Please select one of the options below:

The defendant has not filed an admission or defence to my claim

(Judgment by Default)

You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment.

The defendant admits that all the money is owed

(Judgment by Admission)

If the defendant has given a new address on the form of admission to which correspondence should be sent, update the defendant's details within the following Judgment request.

which do i tick if any

carlie

I know I should of read up a bit more before I asked:p

[Michael Browne]

Neither, this is for when they don't acknowledge or defend and you apply for judgement by default

[carlieanna]

Well I had a letter through from moneyclaim and the claim is deemed as servered on the 24th which is sunday:D so they have 14 days from then to respond, I think I have spent the money 10 times over in my head :o opps.

Will keep you all posted.

carlie

[carlieanna]

Well they have acknowledged already 22/9/06 yay, so how long do you think it will take for the money to be put in my account, i know iknow i'm really impatient, but I want it now:p It's my money and should be in my account:o

blinking scumbags, who do they think they are.

Am about to start my brothers claim for him with natwest, should be for about a grand, considering he owes me a couple of hundred (money I thought I had lost) will nice to get that back off him too:D .

hugs

carlie