Mrs StevoKenevo v Halifax

[stevokenevo]

Managed to persaude the missus to let me help her reclaim her charges, after seeing me reclaim £2.7K from LTSB it didnt take much, anyway, S.A.R - (Subject Access Request) posted, statements received, incomplete. Sending off letter of non compliance tonight.

[Angi]

Well Done

You can do all the hard work & Your Missue can do all the hard spending lol

Just as it should be too

 

Good Luck

[stevokenevo]

Well Angi, i think you have hit the nail on the head ;-)

[bigmama59]

sounds fair!

 

Good luck with the claim

[stevokenevo]

Received a second copy of the incomplete statements on 28th december. Telephoning phone bank today, and sending of second non-compliance letter, LBA this time, in an attempt to get the missing years worth of information. Prelim letter already draughted including compounded interest. Waiting on missing info before posting.

[stevokenevo]

i am fairly experienced now in the straight forward procedure of reclaiming charges in scotland with the 8% judicial interest (one succesfull small claim and one succesful summary cause action, both very straight forward). I have spent a good few hours now reading various threads re contractual compounded interest. And this is definetly the road im going down with this one (only wish id done it for my own now). But i would be interested to know if anyone, from positive experience could throw in any top tips or advice which would help me, i would hate to go down this road and make an ar*e of it. This claim will be in scotland, probably a small claim (possibly a summary cause, still waiting on some missing information). As far as i can see the only differences here will be with my P.O.C (yes, i'm sure it will get that far, just trying to think ahead) and the wording so any advice would be appreciated

 

Cheers

 

Stevo

[stevokenevo]

Have had no response to non compliance LBA, Have drafted prelim, comments appreciated.

 

 

 

[stevokenevo]

spreadsheet for Bill to check :

 

 

 

CLAIM DATE: 25-Jan-2007

INTEREST RATE: 29.80%

TOTAL CLAIM AT DATE OF SERVICE: 1,166.79

JUDICIAL INTEREST RATE: 8.00%

DATE OF JUDGEMENT OR PAYMENT: 8-Feb-2007

TOTAL DUE: 1,170.37

DAILY INTEREST RATE IN PENCE: 25.65

 

TOTAL AMOUNTS 615.00 551.79

 

Charge Reason Charge Amount Charge Date Interest

Charges as Notified 30.00 31-Dec-2002 70.88

Charges as Notified 60.00 9-Feb-2004 84.97

Charges as Notified 30.00 19-Feb-2004 41.90

Charges as Notified 30.00 8-Mar-2004 40.85

Charges as Notified 30.00 8-Apr-2004 39.08

Charges as Notified 30.00 1-Jul-2004 34.50

Charges as Notified 35.00 7-Sep-2004 36.19

Charges as Notified 35.00 1-Oct-2004 34.81

Charges as Notified 35.00 4-Nov-2004 32.90

Charges as Notified 35.00 8-Dec-2004 31.04

Charges as Notified 35.00 10-May-2005 23.29

Charges as Notified 35.00 18-May-2005 22.91

Charges as Notified 39.00 28-Oct-2005 17.49

Charges as Notified 39.00 28-Nov-2005 16.08

Charges as Notified 39.00 29-Dec-2005 14.70

Charges as Notified 39.00 25-May-2006 8.63

Charges as Notified 39.00 8-Dec-2006 1.56

[bill-k]

Just needed a coupla lines. Yep, the figures are good, Stevo. Spready looks fine. Well done.

[stevokenevo]

cheers, that was the easy bit ;-) cheers Bill

[o0oliambeeo0o]

Good on you Stevo, you know the outcome already. Ive already stared chasing the CB for my father in law, sent letters and have raised summary cause with Glasgow sheriff court, he has a prelim hearing date of 14 Feb 2007.

 

Glad to you you aint finished yet.

 

Liam.

[stevokenevo]

Prelim letter was sent on 30th Jan, So technically they have till tuesday 13th of Feb to respond. We still have not received the missing years worth of statements, despite threats of legal action.

I shall be draughting the LBA over the weekend ready for posting on tuesday.

[stevokenevo]

L.B.A was sent eventually, deadline was up a week or 2 ago, have now printed off the court papers to hand in tomorrow. Just claiming the statuatory 8% interest.

As i am claiming in Scotland, i have stuggled for suitable info on the subject of contractual interest, and how to word the details of the claim. There is too many if's and but's, i have spent months reading up on this and am still none the wiser, i know the basic principal of why i would have claimed it but hey ho, im going to follow my own advice and stick to the well trodden path.

[stevokenevo]

Another bout turn, after listening to Robert's podcast again, the penny has dropped. I have now redone the forms, this time i am going for a summary cause action, for the [charges + contractual @ 29.8%] +interest @8% from date of service.

Took me ages to get my head around it, and after reading elsewere about someone else listening to the podcast i decide to have another listen, just as well as the difference is about £500 on the claim ;-)

[stevokenevo]

Ok, papers have been accepted by the clerk of the court, she examined them pretty thoroughly (i know that doesnt count for much ;-)

Now we wait for them to be returned with the hearing date.. .. .. hope its not in the distant future, hopefully 4-6weeks, we'll see.. .. ..

[stevokenevo]

Received letter on Saturday morning offering full and final settlement including contractual interest at 29.8%. £600 of charges + £650 of interest ;-) Checked bank on saturday and the money was in, so we went straight out and bought a new pram for junior, who is due in 7 weeks

 

Incidently we had received our court date of 10th May so i am pleased it was all wrapped up in plenty of time.

 

Good Luck to everyone else and keep the faith!!

 

S

[u20sr]

Excellent result - well done stevokenevo.

[sea-sidelady]

CONGRATULATIONS...!!! :D

 

And good luck with new baby (when the apperance is made..!)

[stevokenevo]

**Bump** i would like a mod or helper to put this thread in the success file ;-)