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Missy v Halifax ****WON ****


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i started doing that missy and found it FAR too confusing and I use spreadsheets quite a bit at work.

 

Decided to put the costs in without the interest....thought that'd be safer for me

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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From what I've worked out during the "reading-of-the-site" prior to starting action, it seems a lot more hassle than it's worth to try and calculate the interest you can claim. The 8% bit is easy enough - double-check you've copied the info across properly in to each field on the spreadsheet, and you may find it's a simple input error on your part that's giving you the 'REF!' and 'VALUE!' responses.

As for claiming the interest that Halifax have debited from your account, you need to separate what are lawful overdraft interest charges (which you can't claim) and the extra interest charges that have resulted directly from previous charges being applied (which you can claim). This is where the confusion really starts - it's probably easiest to accept that you will get the 8% without a fight, and consider that as a bit of a bonus. That's what I'm doing! In my case, this will be approx £450 on top of the charges.

 

From my (limited) experience of being half way through my one and only claim, I've found that Halifax are likely to send a goodwill gesture offer shortly after receiving the LBA. I've just replied to mine, and MCOL starts on Friday.

The only extras I got were extra charges. Thanks, Howard. :mad:

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OK thanks guys.

 

I had already come to the conclusion that I wasnt going to bother with that interest part, but didnt wanna give up without even trying. Wish I hadnt of bothered now as it gave me a right headache!

 

Shall stick to my original plans and just do the 8% when the time comes. Will also have another look to see where I've gone wrong with the errors coming up.

 

Thanks again,

 

Missy xx

 

P.S 274- Love your signature!

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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Good luck Missy and don't worry.. You remember what I had to go through!

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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P.S 274- Love your signature!
Thanks! Got an e-mail yesterday with a picture of the lovely Howard holding a sign. Sadly, the contents of the sign aren't really suitable for this site, but it's very funny! If you're not too deeply offended by the use of a four-lettered word beginning with "C", let me know and I'll forward it directly to you. I'm currently using it as my screen-saver!

The only extras I got were extra charges. Thanks, Howard. :mad:

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Well today is the 14 day deadline for the preliminary letter. Still waiting for the post, if there's nothing (which there wont be) then I'm off out to post my LBA.

 

:)

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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Had an offer of a partial amount. Sent letter back next day declining and stating the terms of LBA and that I want my full amount. Just waiting for 21st now to begin my claim.

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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I suspect they'll make you wait a little longer. I actually got a second offer from them (jumped from £700 to £2100 approx, which they said was equivalent of 6 months charges!) Funniest part about the 2nd offer was that it was written the SAME DAY as the letter saying they were backing down and paying me everything (charges, interest and court cost!) - purely as a business decision, of course! This came the day after they told the courts they intended to defend all of my claim. Just waiting for the money (All £3,596 of it!) to appear in the bank now.

Not long left for you Missy! You're nearly there.....

The only extras I got were extra charges. Thanks, Howard. :mad:

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Hi 274 - Can you send me that screensaver - my kids are still too young to read so will be able to use it!

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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Right. I'm all set to do my claim today with mcol.

 

But I'm a little worried with the recent action around the movements to Mercantile Court.

 

1).I'm having to borrow the money for court costs and so don't want to be in th situation where I'm possibly 'stayed' indefinitly on the outcome of the possible test cases. 2). The thought that my case could be transfered and possibly be a test case terrifies me.

 

What do you advice I do? Carry on today and file my claim? Or wait a little while and see what develops with these test cases? As I said, I'm just worried that I could get 'stayed' by the CC for months and this worries me with borrowing the court fees to file in the first place.

 

Thanks for any advice.

 

Missy xx

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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good girl...hopefully this time next week you'll be sitting there with the dough in your bank :)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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p.s.

 

sorry...didn't mean that to come across as patronising, apologies if it did

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Lol...no of course not, and thanks for the support and encouragement...think I just needed to hear it!

 

And as for it sitting in my account hopefully soon... It wont stay there too long as I've just started my Masters and I'm in desperate need of books and a good night out!!!

 

Missy xx

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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oops...oh well, at least you'll get the rest back

 

for the subject of claim, what did you put? I was going to put "unlawful penalty charges", is that ok?

 

Thanks

Brad

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Your not gonna believe this!

 

Well as you know if youv'e been reading my thread I submitted my moneyclaim online Monday. Friday morning checked and they'd acknowledged the claim. Came home from uni friday evening to find a letter off them saying they were settling as it isn't cost efficient for them to defend claim!!

 

I cant believe it! Three days after filing they back down...I thought they'd of held out longer.

 

Money will be in my account in next 7 working days!! Perfect timing really as I desperatly need uni books and off to Egypt next week :)

 

Thanks Everyone who supported me.

 

Missy xx

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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missy that's REALLY wonderful news (and not because I'm about 2 days behind you)

 

Enjoy the money, the holiday and good luck with your masters :)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Thanks Brad! :)

 

So sorry I didnt see your message above before you filed....but well done for filing...you'll have your money too very soon! :) :)

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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Great news......you will prob get it before the 7 days !!

 

as you requested I have done the change......sorry its late as I not been online Monday much,!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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