Armillariahoneydew Vs. Halifax **WON**

[**Tilly**]

yes normally with one of there classic fob letters

[armillariahoneydew]

I'll give them a few more days then. There are no postal strikes or floods now so will give them benefit of doubt. Don't feel confident to file a claim in court if they haven't even received the LBA. Would have been so nice to have some spending money for hols but know that aint going to happen now.

[**Tilly**]

you only have to give them the 14 days they dont give you extra time when taking charges have you decided if your doing n1 or mcol

[armillariahoneydew]

I think I read in one of the threads that N1 was better. I'm off work Mon so can nip alon to local county court and get the forms.

[**Tilly**]

i filed the n1 found it easier keep us posted and if you have any worries just shout:)

[moneyhelp]

I'll give them a few more days then. There are no postal strikes or floods now so will give them benefit of doubt. Don't feel confident to file a claim in court if they haven't even received the LBA. Would have been so nice to have some spending money for hols but know that aint going to happen now.

 

 

There IS a postal strike planned for July 12th

[armillariahoneydew]

aagghh!!!! don't scare me moneyhelp!! Hang on... 12th next week so they'll have my 2nd letter well before then. Surely?? Gosh don't you have to be patient, this is so frustrating.

[Batgirl]

You'd think the banks would settle out of court to avoid paying the interest, seems to moubt up to quite a bit.

Think it's commonly known as "giving you that little bit Xtra":D

[Dusary]

aagghh!!!! don't scare me moneyhelp!! Hang on... 12th next week so they'll have my 2nd letter well before then. Surely?? Gosh don't you have to be patient, this is so frustrating.

 

Greetings!

 

I've snuck right up on you!

 

Don't worry about the floods or the Track 'n' Trace!

 

Everybody KNOWS that T&T doesn't work for HBOSplc!

 

You have your time-scales nicely worked out as per Tilly's hint for Step-by-step instructions.

 

Press on - postal strike or no postal strike!

[armillariahoneydew]

Thankyou everyone! Oohh some of you are so witty!

Right that it is, you are all right of course, I'm off this very minute to Rotherham County Court to pick the forms up. Please don't all go away I'm sure I'll be needing your help again. This site is Brill! So helpful.

[**Tilly**]

nobody is going anywhere right here when you need help just shout and somebody will come along

[Dusary]

Correct!

[moneyhelp]

oooops thought I heard a shout

 

 

 

 

 

I'll get me coat.....

[armillariahoneydew]

YIKES!! Got the forms, following the N1 hard copy version as template. When it says to enter the dai rate of interest, how much is that? I knew I'd get stuck.

H..E...L...P...P.PPP.

[**Tilly**]

hi ya first dont panic the daily rate of intererst is the the total amount of charges x 0.00022 =

[sanand]

Hi, Like you I live in Rotherham and ill never forget the 25th June! My prelim and LBA didnt show up on track and trace either but I carried on regardless, I also used N1, found it a bit daunting at first but if you follow the excellent advice given here you will be fine. Good luck with the claim!

[armillariahoneydew]

Finally finished filling in the N1 x3. Phew!! Delivering to court first thing in the morning. Hope it's all ok, wasn't sure when account opened so it's just an estimate from when I started work ( a long time ago LOL). The daily interest worked out £1.19 if I've understood it correctly. Does that sound right?

Oh well, done now. Relieved I'm actually filing papers before go on hols.Only 12 days to go. May come back to some good news hopefully , it'll be first time my credit card has been nil balance if I do. Dare I get excited?

Anyway, night night sweet dreams everyone. x

[**Tilly**]

go get armillariahonydew on your on your way now good luck:D

[overflow]

hI

 

Good Luck with your claim. Only 11 days now till your hols, go away and enjoy yourself. Come back relaxed and fighting fit.

Dont worry that you wont have the money in time for hols .

YOU'D ONLY SPEND IT ANYHOOOOOOOOO:D

[armillariahoneydew]

Thanks overflow, I'm counting the days down to sunshine now.

I'm spending it before even got it.LOL

Just handed papers in and paid the £250...phew hope get that back! How long is it now before hear something?

Anyway, flying off to work now. Speak soon xx

[baldy pete]

good luck

[overflow]

Hi Armillariahoneydew,

 

You should get a response from the Court telling you that the claim has been served on your bank within about a week or 10days. Not too sure as I think it depends on the Courts, what sort of workload it has.

You should get word back called Notice of Issue.

 

This will tell youwhen the Court sent it to the Defendant then it will be deemed served a couple of days later.

 

They then have 14 days to reply to the Courts , whether they file a defence or not.

 

Mine was deemed served on the 25th June , they had till 9th July to reply.

 

I had a Notice that Acknowledgment of Service Has Been Filed on 5th July to say the bank had filed Acknowledgment on the 29th June .

 

Then they have 28 days from that date to File a Defence.

 

Hope this helps

 

Regards

[emmaf01]

Sounds like you're doing fine. I always get nervous at this point, but I think you're going on holiday at the right time! Stops you biting the postman's hand off every morning.

[armillariahoneydew]

Thanks for reassurance. Will keep you all posted if I hear anything before I go away. Just worrying that all the forms will filled correctly. Had no idea when bank account was opened just a good idea of the year.

Do I have to keep ringing the courts or do they let you know if defendant acknowledges?

[**Tilly**]

ring the bank and they will tell when you opened your account i had to do the same