so now i have to go to my county court? this sounds scary, will my claim just sit and wait until the OFT makes a decision?

LBA posted

received a letter from halifax saying that they arent processing any claims at present. will be sending my LBA next tuesday anyway is anyone being paid out at present?

lovely thanks, so the procedure is still the same? am i likely to get a response, and if not i take it i file a court claim after the LBA has expired? any advice greatfully received

things seem to have changed since my last claim back in 2007. i sent prelim letter with a statememnt of charges i was claiming to halifax on tuesday. how long do i wait until i recieve an acknowledgement from them before sending an LBA?

ive had problems with my printer, now im back in action, letters being posted tomorrow for sure

excellent, Prelim letter being posted tomorrow then

ok so im back again! has anyone had any luck with a second claim against their bank for the same account? thanks in advance xxx

ok so im back again! has anyone had any luck with a second claim against their bank for the same account? **edit** just realised this has been moved so will start a new thread xx

3 years ago i sent off for a littlewoods catalogue and ordered some curtains and a coat for the boyf. came to less that £100 so when the statement came i paid in full. didnt take out insurance or payment protection so thought that was it. we move house 1 yr on and keep phone number. 6 weeks ago i started to receive phonecalls from littlewoods saying that because i have ignored their letters i now owe them approx £100 in charges. "for what?" worried i have missed this on my experian credit file, i immediately check creditexpert (my online account). my Littlewoods Home Shopping account has a credit limit of £blah, which is showing as "settled", no payments have been missed, every month has a lil green symbol to show im clear, so what do i do? could it be a [problem]?

thanks a lot!

is this the address to send the non compliance letter to: DSAR Team 10 Carlton Street Halifax HX1 2AL i have used template no.2 for non compliance

thanks for putting my mind at rest

thanks for the info, really handy so i dont get my hopes up too early! hope i do get a payout as it will more than half my current balance on the card

Prelim posted recorded today

well yesterday we received a letter from Halifax. it said they were pleased to enclose the charges information that we requested and they have listed 10 charges for his account for last 6 years. we sent them a S.A.R - (Subject Access Request) and the obligatory £10 fee, can they really get away with a 3 page letter? and how do we know that he hasnt had more charges? im a little miffed, can anyone advise? where are his 6 years worth of statements?!

bloody hell, sent N1 to HSBC & my local county courts, BUT FORGEOT TO SEND THE FEE:eek: will ring on monday morning and send a cheque, really hope this doesnt stuff my claim up

the schedule of charges is required on the N1 that i copied, just send it off tomorro then, recorded of course

excellent, thank you. so correct me if im wrong... now i print it x 3, one copy to HSBC, one copy for my court and one for my reference? do these need covering letters? or just the word document?

so i write: (3)Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of wrongful debit to date in the sum of £281.13, and at the daily rate of £275.00 x 0.00022 = 0.6pence per day until judgment or sooner payment. ??

PRINTER HAS ARRIVED and is installed. have been working on my N1 form which i got from here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/107625-new-poc-n1-hsbc.html [url=http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls][/url] i have also used this spreadsheet: http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls which has all been fine, just not sure what the daily rate should be here: can someone clear this up for me so i can post this tomorrow?

sending the boyf to do it mum has just given me her old printer so i can hopefully complete the N1 form for my HSBC claim tonight

oh and just read my post and got a generic letter from HSBC telling me about the OFT case and that they think their charges are fair, pah. N1 will be sent once i get my hands on a printer.

ive recently looked at my credit score on experian's website and my HSBC current account is showing that i ave missed payments for the last three months. Why is this? to be honest i dont use the account anymore, could it be that because i no longer have my monthly wage & tax credit go thru the account that its showing missed payments? and once i file my N1 and if i won the case, would these be removed from my credit register?

thanking you! just wanted to check though... im posting my prelim tomorrow and want to send it recorded. will this be able to be signed for at Crapital Ones PO Box address?