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Armillariahoneydew Vs. Halifax **WON**


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Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi Guys!

I'm back off hols and seems lot gone on in Halifax dapt. whilst been away. Posted a letter B4 I left stating that I wouldn't accept their partial offer of £1900 and to now refer all matters to their legal department. They completely ignored this and paid into my account anyway , I checked today.

I have had letter from court saying that Halifax have acknowledged and intend to defend all of my claim. Another letter came from Halifax now offering to pay another £2900 which is just £800 short of my claim in full. They say they'll not pay this and will defend this part of the claim in court because it is in excess of 6 yrs ago and something to do with 'The Limitation Act 1980'. I'm over the moon at this extra offer and am thinking of accepting this, don't fancy going to a court hearing. If I can't defend my clain I will have to pay all their legal charges so seems a big risk or is it another bluff our way out letter? Any advice please?

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Hi there - i've been reading your post with interest! Did you have a good holiday?

 

I'm not very confident at the giving advice part! But I just wanted to ask, have you read about the OFT test case which was announced at the end of July? Looks like you got yours in just in time!

 

Not sure about the Statute of Limitations thingy... i've read in some posts that people are arguing that it doesn't apply because the banks concealed the true nature of their charges to us until recently. I'm sure someone else will come along with some better advice - I just wanted to make sure you're aware of the test case.

 

Good luck with whatever you decide!

b8byd :D

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Thanks so much I wasn't aware of that. Brill hol but back to earth with a bump now. Dad in coronary care, lives on coast so just setting off there in a bit. Think will accept their offer, it's more than they offered at start which was zilch, then £1900 now it amounts to about £4700 so can't complain at that. Believe it when see it though.

Thanks everyone, must dash now. xx

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