Letter 3 - ignored/no response

[Foo]

hi ppl, im a noob

 

but none the less im in a position i need dealing with.

 

i hope this is the correct section for my post as the forum is huge so thought id take my chance here in the `halifax` section as thats the bank im with.

 

 

heres my story::

 

i made a purchase through paypal and the product was received. 4 days later i goto my bank and draw £30 out. a week later i get a £39 charge saying the money wasnt in my account. apparently paypal applied for the money after my purchase was received. i telephoned halifax and they refunded the £39 (upto 7 days)but in the process of them refunding the charge the direct debit from paypal was applied for again & so the bank chrged me again making the original refund go straight back to them plus the money for paypal not being in there!!

 

im currently on sick benefits and dont have pennies to throw around to xxxxxxx corporations, on top of this im a single dad and because of certain laws i get zero help financially on top of £55 sick benefits making life a struggle as it is.

 

i would appreciate any guidance in the process of claiming back my charges. im so angry with the halifax taking the p**s with me and playing god with my life as though blair himself doesnt do a good enough job!!

 

HELPPPPPPPPPPPPPPPPP Please.

 

Thank you.

 

Moderated - please be aware of the potential for libel action.

[MARTIN3030]

Hi welcome to the site.

First of all you are in the right place......the Halifax forum !

 

Let me just say that the Halifax have more claims than anyone else and are paying them out.........BUT to those who know what they are doing.

 

Granted you are a newbie but everyone who comes here for the first time is also a newbie......and many have gone on to claim and even stick around to help other newbies later.

 

Soooooooo

 

Read the faqs read the threads and get ya self clued up.

This is YOUR money and if you want it back then no one is going to give it you unless you are prepared to put some effort in !!

 

If you need help then its here.

First thing you need to know is how much you are claiming........get those bank statements.

Thats all I will say at this time...............over to you now to do some reading !

[Foo]

Hi welcome to the site.

First of all you are in the right place......the Halifax forum !

 

Let me just say that the Halifax have more claims than anyone else and are paying them out.........BUT to those who know what they are doing.

 

Granted you are a newbie but everyone who comes here for the first time is also a newbie......and many have gone on to claim and even stick around to help other newbies later.

 

Soooooooo

 

Read the faqs read the threads and get ya self clued up.

This is YOUR money and if you want it back then no one is going to give it you unless you are prepared to put some effort in !!

 

If you need help then its here.

First thing you need to know is how much you are claiming........get those bank statements.

Thats all I will say at this time...............over to you now to do some reading !

 

cheers mate, ive fully read FAQ & various other parts of the forum to get myself semi-clued up on what im doing. im fully serious as theres plenty of others charges over the past few years.

 

so a DPA request it shall be then

 

as arnie would say `i`ll be back`

[sues35]

hi ppl, im a noob

 

but none the less im in a position i need dealing with.

 

i hope this is the correct section for my post as the forum is huge so thought id take my chance here in the `halifax` section as thats the bank im with.

 

 

heres my story::

 

i made a purchase through paypal and the product was received. 4 days later i goto my bank and draw £30 out. a week later i get a £39 charge saying the money wasnt in my account. apparently paypal applied for the money after my purchase was received. i telephoned halifax and they refunded the £39 (upto 7 days)but in the process of them refunding the charge the direct debit from paypal was applied for again & so the bank chrged me again making the original refund go straight back to them plus the money for paypal not being in there!!

 

im currently on sick benefits and dont have pennies to throw around to xxxxxxx corporations, on top of this im a single dad and because of certain laws i get zero help financially on top of £55 sick benefits making life a struggle as it is.

 

i would appreciate any guidance in the process of claiming back my charges. im so angry with the halifax taking the p**s with me and playing god with my life as though blair himself doesnt do a good enough job!!

 

HELPPPPPPPPPPPPPPPPP Please.

 

Thank you.

 

Hi and welcome

 

As a side from the bank charges, make sure you are claiming the right amount of money to live on. I can be of help with this if you want. Halifax forum prob not right place, however if you want to PM me either in here or AOL then feel free. There si nothing worse than worrying about money, but if we can help then it makes it easier

[Foo]

Hi and welcome

 

As a side from the bank charges, make sure you are claiming the right amount of money to live on. I can be of help with this if you want. Halifax forum prob not right place, however if you want to PM me either in here or AOL then feel free. There si nothing worse than worrying about money, but if we can help then it makes it easier

 

will PM you with my misery tales

[MARTIN3030]

Hi and welcome

 

As a side from the bank charges, make sure you are claiming the right amount of money to live on. I can be of help with this if you want. Halifax forum prob not right place, however if you want to PM me either in here or AOL then feel free. There si nothing worse than worrying about money, but if we can help then it makes it easier

 

Why do you suggest the Halifax as not being the correct thread group ?

He is ,after all going to be claiming from these .................???????

 

 

PMs are there for everyone but in the general feel of things,claim progress and the like should be left for the main boards...The guy now has his own thread

This is the place to carry on...........not of course by PMs

[Foo]

Why do you suggest the Halifax as not being the correct thread group ?

He is ,after all going to be claiming from these .................???????

 

 

PMs are there for everyone but in the general feel of things,claim progress and the like should be left for the main boards...The guy now has his own thread

This is the place to carry on...........not of course by PMs

 

she said `a side from the bank charges` i noticed its relevence to my benefits situation.

 

[Foo]

firstly, thanks for looking.......

 

 

i received all my data from halifax with all statements quite promptly.

 

i sorted all my charges out(not much really,under £300)

 

sent the listed charges along with the letter requesting charges be repaid.

 

...........................

 

Today(28/6/07) i received a letter sating they have investigated and that the charges were correctly applied(as expected)

 

they then continue to say that it was part of terms and conditions and that i agreed when opening the account(i was under 16 when i opened the account. a minor?!)

 

and also go on to say that these charges are applied when insufficent funds in the account to cover a payment.

 

they also say about guidlines on credit cards by OFT(i never had a credit card but was in the standard letter i printed from template library) and that i dont have an account they will not comment.(did i send wrong letter? or just an added bit that i didnt need?!)

 

continue with they will continue to charge me should i carry on managing my account in this manner(under £300 in 6 years )

 

 

blah blah blah we decline your request for payment of fees.

 

 

------------------------------------------

 

hopefully this is all correct and the next step would be to send letter 3 in the template library offering a further 14days of thought on the matter before legal action.

 

so need to know if that is correct?

 

sorry if i waffled on a bit, but am sure you can understand any slight error may mess the situation or allow it to dragged on.

 

thanks for reading and keep up the good work guys.

 

 

p.s. i have another issue but nothing serious. ill take it to correct part of the forum.

 

thanks

 

Foo

[**Tilly**]

yes carry on send your letter before action just another fob of letter stick to your plan not thiers good luck

[Foo]

yes carry on send your letter before action just another fob of letter stick to your plan not thiers good luck

 

shouting at me in pink

 

thanks for the heads up, quite right. on my terms now- not theirs.

 

[**Tilly**]

yes i got the copy right to pink lol keep us posted

[kennythecelt]

Tilly has a fondness for pink!!!!

Good luck foo and just ask if you have a question

(but has copyright on its use.)

[Foo]

with letter 3 in the library being ignored/no response. whats my next course of action?

 

can some give me a basic run down either on here or VIA PM.

 

ive been confident upto now but dont want to mess up by sendi8ng wrong letter or sending a letter and not doing the correct thing i.e. courts etc.

 

 

today was the deadline for the letter, ive got drafts of all letters on my hard-drive.

 

thanks.

[**Tilly**]

hi foo can you tell us what letter was it your lba

[Foo]

hi foo can you tell us what letter was it your lba

 

 

yes mate. was LBA letter.

 

thx

[**Tilly**]

okay you have to give them 14days to respond with a reply from the date you sent it including weekends calander days

[moneyhelp]

Keep this handy http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

[Foo]

okay you have to give them 14days to respond with a reply from the date you sent it including weekends calander days

 

 

 

today was the deadline for the letter, ive got drafts of all letters on my hard-drive.

 

 

 

its all in the reading my friend.

[Foo]

Keep this handy http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Cheers will have a read through that.

[Foo]

read that but am still unsure TBH.

 

im single parent on benefits so seems ill have to fill in other forms correct? so that will allow exemption from fee's?!

 

i have not had a reply from the LBA letter and I would really really appreciate it if someone could run me through this.

 

filling form online, exemption cant do it.

which forms and when?

who do i contact now?

 

im really lost and putting up links is helpful but not really solving the situation. as you can imagine id like to keep to time scale as close as possible but without a run through i feel its going to take me a week to go through all the info and then try to understand and get it in order.

 

thanks.

[overflow]

Hi Foo

 

I see youve had no response to your LBA.

 

Next step is file your claim either by mcol or local court

You'll need to get an N1 and fill it in together with your POC (particulars of claim) and include your schedule of charges as well . It is now you can claim the 8% inthe alternative.

 

Once you have done this you will get a reply off the court telling you the date it was Deemed Served on the bank .

They now have 14 dys to respond with an Acknowledgement , which the court will write and tell you about.

 

Dont worry if they do File one as they very rarely Defend.

 

They have altogether 28 days from when your claim was Deemed Served.

So if it was served say the 10th Aug then you give them till 9th Sep ( are my maths right).

 

If no responce then you go for a Judgement against them.

 

Youve got a little way to go yet but this will let you know what to expect.

 

Hope this has helped and Good Luck .

 

Regards

[Foo]

Hi Foo

 

I see youve had no response to your LBA.

 

Next step is file your claim either by mcol or local court

You'll need to get an N1 and fill it in together with your POC (particulars of claim) and include your schedule of charges as well . It is now you can claim the 8% inthe alternative.

 

Once you have done this you will get a reply off the court telling you the date it was Deemed Served on the bank .

They now have 14 dys to respond with an Acknowledgement , which the court will write and tell you about.

 

Dont worry if they do File one as they very rarely Defend.

 

They have altogether 28 days from when your claim was Deemed Served.

So if it was served say the 10th Aug then you give them till 9th Sep ( are my maths right).

 

If no responce then you go for a Judgement against them.

 

Youve got a little way to go yet but this will let you know what to expect.

 

Hope this has helped and Good Luck .

 

Regards

 

 

:-) Thank you my friend.

 

as i thought: court claim,schedule & 8%.

 

about the interest, do i add 8% on the total charges? or is it a % per year????

 

just want to make sure it is correct figures when applying.

 

thank you.

[overflow]

Our posts must have crossed. My daughter is on benefits too and she filled in a form in the Courts

 

Be prepared to give them idebtification and you'll also need proof of being on them and which one .

She had to go to the local Job Centre to get a letter of confirmation off them . Also make sure they check it for you at the Court as she didnt know she had to fill in her incomings and outgoings on the back and hers was sent back to her, delaying it another wk.

[**Tilly**]

apologies for a being a blonde lol

if you have not recieved a reply you now to start filing your n1 or mcol

N1 Claims form in .PDF format with form filling

Moneyclaim - start your County Court claim online

http://www.consumeractiongroup.c o....t.html?garpg=9

you might already have these links but i put them here just in case

the form for exemption is the ex 160 you need a recent copy of a letter of the beniefit your on

you can save the mcol online but the n1 will not save you have to fill it out and print it of hope this helps

[**Tilly**]

beat me to overflow lol