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Armillariahoneydew Vs. Halifax **WON**


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Just starting a claim for 'direct debit refusal' bank charges. Amounts to £4300 over past 6 years. They have took almost 2 months to send a copy of my charges despite numerous phone calls. I think they are using stalling tactics in a hope that the law is changed so we can no longer claim against them. I have just had a response to my first letter asking for repayment saying their charges are fair for the service of extra work put on them when this happens. I am now typing my letter before action as the next step. Any advice or help will be gratefully received. How long do I wait before I iniate court proceedings? Is it still worth going to court. Read that one was thrown out in Birmingham and that this may have now set a precedent. :???:

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Thanks for advice Tilly. What is n1 and mcol. Is that who you file claim through? sorry that I sound ignorant, a bit lost at moment. Was put off by initail response from halifax. Thought that's that then but now decided to fight back aftre reading some posts on here.

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hi armillar

welcome to the club.:)

The N1 is included in the small claims pack you can pick up from your local courts. mcol is if you want to do your claim on line.

Have you read through the FAQ's That will tell you all you need to know and lots of good advice too.

 

Dont be put off by any letters you get from the bank there all standard bog off and not worth worrying about. Just banks way of trying to get people to stop them from claiming.

 

I think the case you are referring to is the one called dads. Its about CCI and the Judge set a precedent in the high court , a lot of people are now not bothering to go for this particular rate of interest . Dont know if it means nobody can claim it anymore or if it is just if you try and claim it under the "mutuality and recirocity" argument.

Not read up on it too much just sorta skirted round the edges.

Must make time to read it through as i have gone for CCI but it was before I came across dads thread so Im not sure if ill get mine or not . not too bothered just so long as I can get the 8% stat.

 

Good luck with yours and dont forget read, read ,read its amazing how much you will learn from the great people on here. Dont forget your never alone always somebody willing to help out if you get stuck.

 

regards :)

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30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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hi ya i used n1 found it easier plus your limited to amount of words on mcol also if your on any kind of benifits you can apply for exemption fee you just need proof when your time comes to file just shout someone will come along to help everyone is here are in the same situation so we all help each other out its better to ask and get it right thgan make a mistake good luck and keep us posted oh and send everything to trinity road :)

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Customer Relations

Trinity Road

Halifax

HX1 2RG

 

AND DO IT ALL REGISTERED!!!!!

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

Ive done all mine through the local court. Its quite straight forward and they will check it over for you.

 

But dont worry about that yet spend the time you are waiting to read up on more threads. Im addicted to this site so many different stories and so many clever minds, its facinatin.

 

About the spread sheets ,I personally used Midzias one , Im no whiz with anything like this and i found this one really easy to use. no work really just put the details in and hey presto it does it all for you. There are notes as well just in case you do get stuck but if I can do it Im sure you will too.

 

Like weve all said though never feel as though you cant ask , theres always someone about to give you support and help.

They really are a GREAT bunch on here.

 

regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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HI Everyone!

Thanks for all the support and great advice.

I've braved the torrential rain this morning in good old Yorkshire and posted a LBA recorded delivery.

Beginning the 14 day count down now B4 starting court proceedings. Lots to learn in 14 days. Go on holiday on 22nd July. Would have been nice to have some extra spending money but don't think that will happen in time now. Can live in hope.

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  • 2 weeks later...

Hi There!

I'm still very much a novice so require some help please.

I sent my LBA on Mon last week the day of the floods. Don't think it has received yet. However, preparing my interest charges ready for court action. I have a list of charges dating back to May 01. This is slightly over 6 years, can I list charges going back this far? :confused: :confused:

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Hi

Did the spreadsheets work it out for you? Just as a guide, my charges are £3352 and the interest works out at £589.98. I just let the spreadsheet do it as I am rubbish at maths! I'm no expert, but I am sure there will be one along soon to help you. There are some clever folk here!

 

:)

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I downloaded the spreadsheet from this site and it worked out how many days had elapsed since the charge then the interest on that particular charge. You'd think the banks would settle out of court to avoid paying the interest, seems to moubt up to quite a bit.

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Thanks Tilly. Glad someone keeping an eye on me to guide!

Have held off the N1 because on the track and trace there is no record of them receiving my LBA. However, I am in Rotherham and the day I sent this was the Monday morning as the floods occured a few hours later in the afternoon. I had visions of my letter being washed down the streets so have sent another LBA letter and am still waiting, not sure how long to wait though. The 14 dyas is up this Mon.I go away on the 22nd so thinking of filing to court before then.

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Only yesterday in desparation after still not being able to trace original sent but just read batgirls thread that states they get a bulk delivery and only one signature so maybe it didn't go missing after all. Do they usually reply?

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