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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mama JB v Halifax - **WON**


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I would jut like to say this site is fantastic, I have just been through all the steps you have set out and strangely enough Halifax have ignored me all the way, I have now just submitted my Money Claim.

 

I will keep you updated with the progress, I am looking forward to be able to donate some money to yourselves as a big thanks for helping me out.

 

Big fingers crossed, speak soon.

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I would jut like to say this site is fantastic, I have just been through all the steps you have set out and strangely enough Halifax have ignored me all the way, I have now just submitted my Money Claim 6QZ39942 refers for £2960 including costs and interest.

 

I will keep you updated with the progress, I am looking forward to be able to donate some money to yourselves as a big thanks for helping me out.

 

Big fingers crossed, speak soon.

 

Have you pmd a mod so they can file the claim?

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Just a bit of an update Re my action:-

 

My action was filed on 21/06/2006 deemed to be served on 26/06/2006, Halifax have until 10/07/2006 to reply.

 

Just received letter from Northampton County Court (27/06/2006) dated 23/06/2006 stating that acknowledgment of service of your claim has been filed today, defendant now has 28 days to file defence.

 

A.O'Brien (Head of Legal Services) intends to defend all of the claim.

 

Is all this normal, I thought that was abit quick.

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Money on it's way to you (or your account) soon then! :D I got mine within a day of getting notification that they were defending.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Just keep checking your account balance online (if you can)! :p

  • Confused 1

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 2 weeks later...

I have been looking at my Money Claim form, it has been acknowledged, can anyone tell me what the box next to it is for, it has a start button on it, when I go into it, it talks about judgements by admission or default, do I need to do anything here?

 

Any replies would be helpfull.

 

Thanks again.

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I have been looking at my Money Claim form, it has been acknowledged, can anyone tell me what the box next to it is for, it has a start button on it, when I go into it, it talks about judgements by admission or default, do I need to do anything here?

 

Now they have acknowledged, they have 28 days from date of service (26th June) to file their defence, which will be sent to you. If they don't,then you can apply for judgement by default. In the meantime there's nothing for you to do.

Except have patience!

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MONEY, MONEY, MONEY ........... I have just checked my account and there it is £2840 plus £202.43 how stunned am I, my next step is the donate button, a huge thanks to your site, I will be keeping an eye on and helping anyone that I can.

 

BIG BIG THANKS LOVE YOU ALL LOTS AND LOTS!!!!!!!

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Excellent news - well done! :p

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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well done mama

on reading your thread you were at the same stage as me or i was the same stage as you lol

 

but many congratulations to you

 

mine was credited this morning tee hee

 

 

oh what a feeling!!!!

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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CONGRATULATIONS!!!!!!!!!!!

 

I'm just at LBA stage so it's good to read when another one wins.

 

Just stick to the process as described on this site and you will be there soon.

 

Good luck, just remember you are never alone.

 

Kind regards

 

Mama

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MONEY, MONEY, MONEY ........... I have just checked my account and there it is £2840 plus £202.43 how stunned am I, my next step is the donate button, a huge thanks to your site, I will be keeping an eye on and helping anyone that I can.

 

BIG BIG THANKS LOVE YOU ALL LOTS AND LOTS!!!!!!!

 

Congrats Mama JB!

 

I'm still waiting :confused:

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