Chris_w vs Halifax

[Chris_w]

After spending over 6 weeks waiting for my charges info, and reading as much as possible about re claiming them. I have just finished typing up my request for payment. I will be posting it recorded/special delivery tomorrow. I have to admit I'm a bit nervy as my claim is for £9346:eek: and I won't be able to use the small claims court. With a bit of luck it won't get to court. Wish me luck:)

[**Tilly**]

hi there you will be there have been larger claims and they have won mine also was a large claim as you can see i won good luck

[moneyhelp]

Are you in Scotland?

[Chris_w]

Thanks Tilly I hope so!

[Chris_w]

No i'm i merseyside

[moneyhelp]

Ok - just wondered as it's different if you're over the border ;-)

[sea-sidelady]

Just carry on with your claim as normal.

 

You will be fine. Any problems, just ask.

[Chris_w]

I got the standard we're sorry to hear your not happy bla! bla! bla! but we're not refunding you your charges letter today. They have replied early so do I give them the full 14 days, or do I send my LBA.

[Dusary]

Lba!

[Chris_w]

I'm ready to file at court but before I do I would like some advice. I've just been away for two weeks and upon return recieved the new standard go away letter form the Halifax (all claims on hold , will apply for stay Blah Blah) My question is this. If the OFT looses will I be liable for court costs as my claim is to large for the small claim's track?

[**Tilly**]

hi chris carry on with your claim have a read in here

OFT v Banks - **Don't panic!!!**

OFT Test claim: What this means for you

[Chris_w]

Thanks Tilly:) but if the banks win:eek: and I can't get a stay lifted to get my case heard before then:evil: . will I be liable for the costs? Sorry to sund a bit dumb:?

[**Tilly**]

my thought would be IF they won the only fee would be your court costs which you have paid

which you wouldnt get back but im sure somebody will correct me if im wrong

[Chris_w]

Thanks Tilly I'll File this Week

[**Tilly**]

good luck chris:D

[Chris_w]

I've Just been reading through the new POC for Halifax. I am trying to fill out my N1 but the POC reads in the past-tence as if the account is no longer open. Is this right or do I need to change the wording to the present-tence to reflect the fact that the account is still open. Sorry to sound a bit dim, but I don't want to mess things up on a technicality.

[sea-sidelady]

It is fine as it is.

 

All you need to do is add your details.

[overflow]

HI Chris,

 

Just carry on as SSL advised you. Youll be OK.

 

I wouldnt worry too much over the letter off Halifax, just trying to scare you off I reckon Ive also had same and yet my claim is awaiting Judgement. I think they are a bit like headless chickens at the moment, and Id like to bet they are more than a little concerned about the Test case ( They have an awful lot to lose when we win) so tryin to put as many ppl off claiming as poss.

 

Good Luck we are all backing you up so GO GET THEM!

 

Regards

[Chris_w]

SSL & Overflow Thanks for the help:)

[sea-sidelady]

[quote

Good luck with this one. I'm going to start my Halifax CC soon but i'm still waiting for them to respond to my S.A.R - (Subject Access Request) its been 60 days now and even after a LBA they still have not responded.

 

 

You can give them a call to see where they are, but you should file at court if you get no response.

 

Here is what you need....

 

N1 FORM

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1_0102.pdf

 

NON COMPLIANCE POC

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

60 days is far too long to have to wait..!!!

[Chris_w]

Thanks SSL this thread is for my current account. I am ready to file I just have the small matter of £250 to find. As regards my CC account I have a complaint letter to the Info-Com's office ready to send. I will give the Info Com two weeks then I will file an N1 at my local court.

[sea-sidelady]

Aaaah, makes more sense now.

 

Let us know how you get on.