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Hi.........

I have done the initial letter requesting repayment of charges,,,,,i received a bucket load of statements through the post........after doing my home work..i wrote and asked for a full refund using the letter from the library..........I reckon they owe me £1064..

 

I got a reply yo first letter saying sorry your not happy blah de blah,,,,,saying it had been past on to another to deal with my complaint.

 

I then received an offer of £102...........i replied ..No Thanks......

 

I then received a 2nd offer of £308 ....

 

I will say no thanks again...YES???

 

I would welcome some advice here.....having read the forum mails i,m pretty sure i,m going the right way...

 

thanksx sue

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Welcome to the forum you are doing remarkably well.

The difference between getting a result and getting nowhere relies mostly on doing things right and knowing what you are doing.

Apart from that its lots of patience and a will to see it through.

So you sent the prelim letter with a summary and they made you an offer ?

 

This is quite normal as is increased offers along the way.

 

So after the 14 day deadline of the first letter you can then move to the LBA again sending a charge summary.

 

Its likely they will up their ante again but will more than likely withdraw the offer once you put it to them that you will accept as interim but not fiull and final as you will be claiming the lot.

After that its the serious stuff and court time.

 

Dont worry you have done great so far and will join many others here who are either at the same stage or have won

 

keep posting with the updates.

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks.

Well I've begged stealed and borrowed to get £250 togather - and succeeded so my moneyclaim application has been completed today and paid for. They say it will be actioned at 10am tomorrow - exactly 14 days after my LBA.

If i don't win I'll have to beg steal and borrow to pay everyone back - scary thought!

 

How long does it usually take from here? What happens next?

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Thanks.

Well I've begged stealed and borrowed to get £250 togather - and succeeded so my moneyclaim application has been completed today and paid for. They say it will be actioned at 10am tomorrow - exactly 14 days after my LBA.

If i don't win I'll have to beg steal and borrow to pay everyone back - scary thought!

 

How long does it usually take from here? What happens next?

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In one of my claims it took 8 days from serving to settlement, but other peoples' (served on the same date) were shorter or longer, so it's hard to put a date on it. The have 14 days to respond, and if they file to defend (almost certainly) then that will give them a further 28 days, although they do seem to be settling at the beginning of that period, rather than the end. Your mileage (as they say), may vary! :)

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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Halifax will acknowledge the claim and have 14 days to respond .

 

Its usually around this time that you may get a letter from them offering settlement.

They may submit a defence and AFTER that settle......read some of the other Halifax cases.

 

You are nearing the final hurdle and must now be patient strong and confident.

 

We will be willing you on here.

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Firstly it depends on a lot of factors but usually the Halifax say they will defend and then they pay up.......if you read a few threads on the ones that have been paid and are waiting to be paid you will gain a better insight, sorry to be so negative in my reply , but there are quite a few factors that have to be looked at its not straight forward

:) 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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Firstly it depends on a lot of factors but usually the Halifax say they will defend and then they pay up.......if you read a few threads on the ones that have been paid and are waiting to be paid you will gain a better insight, sorry to be so negative in my reply , but there are quite a few factors that have to be looked at its not straight forward

 

 

Mechs we are both identical in answering.........Looks like we were writing our answers at the same time !!

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Mechs we are both identical in answering.........Looks like we were writing our answers at the same time !!

 

 

:rolleyes:

Great minds ehhhhhhh

:) 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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Hi Cat

Your just a bit ahead of me in the process, well done ;)

I got the same letter they said 'goodwill gesture' £330.

I'll do the same and wont accept.

They then offered you £1500 or something, thats them on the run surely.

The LBA letter isn't quite right seeing though they have responded and given me an offer, did you just customize this a bit. I don't want to cock it up!

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If you are refusing a incomplete refund it is worth adding a paragraph that say that you accept their offer as a partial refund, but intend to pursue the balance.

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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Thanks for all yours support.

Congellous - yes i did customise it a little. heres a copy if you need to use it - (won't be offended if you dont).

19th June, 2006

 

 

To : Halifax Bank PLC

 

 

LETTER BEFORE ACTION

Fao Claire McBride

 

ACCOUNT NUMBER: ********* (edited for your security)

 

 

I am writing with regard to your letter dated 20th June 2006. Thank you for your offer of £515 to settle this matter but upon legal advice I have been advised to reject this.

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am surprised that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £4860.00 plus £1768.07 which you have charged me in overdraft interest (8%) for the sum which you have taken. Total £6628.07.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

 

Yours faithfully,

 

 

 

 

Catherine Hall

 

 

 

 

It was about 10 days later that they upped their offer. I emailed them to reject this.

Good luck! Hope it helps!?

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louby lou14 - yes thats just what they did with me.

Just send your LBA letter 14 days after your original refund request. I've posted mine above it it helps anyone.

 

Thanks to everyone for keeping me strong - I'm getting scared now!

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You can edit the posting to remove personal details yourself. It's probably best not to put your name and/or address, and definitely don't show your account number on a public forum!

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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I know, I ment Cats, someone should take that off for her safety !
It's OK - I wasn't asking you to do it - only the poster or a Mod can edit the details out. I've PM'd Cats to advise her to edit it.

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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Hi........

Well i have just done my letter refusing their recent offer of £308..but stating i will accept this as an interim payment...But stating quite clearly i intent to claim the remainder...

 

I have made it quite clear i intend to take this all the way to court.......

 

So................................watch this space.........

 

Sue x

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Cati dont forget ....if you know the person end the letter with yours Sincerely.

 

For dear sirs/madam etc its yours Faithfully.

 

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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thanks will bear that in mind

 

Had a letter from the court yesterday saying that the claim was submitted to the Halifax 1st class on the 5th. They have till the 10th to receive it and then 14 days to take action.

Watch this space.

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  • 2 weeks later...

QUICK UPDATE...

Well after completing moneyclaim on 5th July - I was sent a letter stating the Halifax had until the 10th July to be served this.

They acknowledge receipt on the moneyclaim site on the 12th and I then received a letter from the court on Saturday (15th) saying that they have chosen to defend their claim so now have 28 days.

Is this normal procedure.???

I have scanned through some threads but can't work out what kind of timescale others have had.

To be honest I'm a bit scared cause I am claiming over £6000 in total and I have read somewhere that because it is over £5000, I would be liable for court charges should the halifax try and take me to court and win.

I hope I'm worrying for nothing.

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Not long now (usually). I got a payout within a couple of days of them filing to defend.

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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