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emmab16 vs Halifax credit card ***WON***


emmab16
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Hi,

I want to file the N1 this week but don't know whether to use the Halifax card services address or the HBOS plc address as the defendant - anyone got any ideas?

 

I have also seen various POC's for credit cards on the forum, but it anyone has had experince with Halifax specifically I'd appreciate your advice

 

thanks :) :)

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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thanks Tilly49, will do

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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Halifax credit card have only offered £75.00 ,I asked for £186.00 plus £24.00 in interest. They have included an acceptance form for me to agree a full and final settlement.Has anyone else had this?

This is after an lba .It has taken ages for them to get to this stage!!!

Do they usually pay if taken to court?

What do I do now?!!!! PINADAGOLF LADY:rolleyes:

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Question has been answered on your thread Pinadagolf lady...;)

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I can't find on moneyhelp's link what the POC's were - there are some on the barclaycard link below but I have no idea what to do with them - any ideas?

 

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/109687-particulars-claim-credit-card.html

 

ta

:)

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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thanks guys - the claim is ready to go and will be dropped off at the court on wednesday

 

fingers crossed:rolleyes:

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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  • 1 month later...

Hi everyone,

 

haven't done an update for a while as lots of other stuff going on too.....

 

The claim was filed & issued on the 14th Sept & deemed to be served on the 20th Sept.

 

HBOS filed an acknowledgement of service on the 24th Sept & has responded to the claim with an intention to defend the claim.

 

I think this means they have until 28 days after the 20th Sept to file their defence? (which is 26 Oct)

 

ta

emmab16

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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Yes thats right. :)

 

Let us know if it arrives.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 4 weeks later...

Hi everyone,

 

great news, got back from hols & got a letter from HBOS.

 

"I have returned your Acknowldegement of service to the xx County Court "(the wrong one as it happens - nice to see a typo in the letter!!) " indicating that Bank Of Scotland intends to defend your claim......on a commerical basis it will cost BoS to defend the claim...legal costs.....It is unlilely that Bank of Scotland will be able to recover these costs .....without admission of liability BoS is willing to reimburse £x claim + £x interest (contractual) + £30 court fee" then lots of stuff about how irresponsible we are for not keeping track of our accounts, naughty naughty me....

 

Success!!! it's not a huge amount of money but it'll be v handy for Xmas and it's lovely to get a result,

 

Thanks everyone for your help & speedy replies when I needed you!

 

emmab16:D :D :D :D

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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thanks, we also had some other good news today. One of our home appliances, that we have been arguing for months with the supplier about a replacement will be getting sorted in 3 weeks - nice feeling!8)

Beneficial Finance won following LBA and follow up phone call:) :)

 

Halifax visa card- claim won; filed at court; HBOS settled out of court :) :)

Next step - bank accounts......

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th_congratulations.gif

 

It looks like your having a good day!! :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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