**Tilly** v Halifax again ***WON*** again

[**Tilly**]

here we go again

 

i should have done this back in june after i filed my claim

dear old halifax gave me some more charges

well this time i have all my statements:D prelim has been

sent and a reply recieved thankyou for your complaint blah

blah now waiting on reply to letter before action:D all ready

to file for second time watch out dudes im on my way:D

[sea-sidelady]

I you need any help, just shout. Dont be afraid, we are a nice friendly bunch on here.... :lol:

 

 

 

 

 

 

 

Seriously though, glad to see you finaly doing this one.

[**Tilly**]

I you need any help, just shout. Dont be afraid, we are a nice friendly bunch on here.... :lol:

 

 

 

 

 

 

 

 

Seriously though, glad to see you finaly doing this one.

 

small thread this time around:shock:

[**Tilly**]

oooh this brings back memory,s:lol: :lol:

[maroondevo52]

Best wishes with your claim **Tilly**

 

Have you read this........

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

As SSL says, if you need any help, just ask. We will do our best to get you out of a jam.

 

 

Regards.

 

Scott.

 

 

 

[**Tilly**]

Best wishes with your claim **Tilly**

 

Have you read this........

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

As SSL says, if you need any help, just ask. We will do our best to get you out of a jam.

 

 

Regards.

 

Scott.

 

 

 

 

LOL scott :lol:

[MacBoy]

OMG.... Tilly's on the warpath again :D:D:D:D

 

Best of luck Tils... but I know you won't need it

[**Tilly**]

terminator tilly

 

 

 

i'll be back:D

[**Tilly**]

here we go then erm scuzy question please:rolleyes:

[sea-sidelady]

*sigh* already.....

 

 

 

[moneyhelp]

I'm back too, but with a different bank this time!!!

 

Good luck Tilly, but I know you wont need it, you old pro you :-P

[ja-de]

Here we go "Mrs Terminator Tilly Trotter" never mind XXX it's TTT they have to watch out for hehehe

[**Tilly**]

okay letter before action posted erm how many days before i need to file my n1;)

[maroondevo52]

Hang on, I'll go and get a site-helper. .

[ja-de]

Here you go Tills, points 4 & 5 from step by step instructions. (as if you don't already know) lol

 

(4)

 

If you are not offered a FULL refund then proceed to the Letter Before Action (LBA) in the library.

 

However ,do make sure that you understand that there is a possibility that the Bank may decide to defend and that you may have to present your case to a Judge in a Small Claims Court. This is very rare, but you should be aware of the possibility.

 

If you have to issue a court claim, the spreadsheet mentioned earlier will also calculate interest at 8% as allowed by s.69 the County Courts Act (1984) and which you will add to your claim at that point. NOTE: you do not claim the 8% unless you put in a court claim.

 

 

(5)

 

Once again, one of the following will now happen:

 

A) The bank or credit card company will ignore your request and you will not receive a reply. If this is the case, allow for the 14 day deadline and proceed to the next stage of the claim - COURT ACTION

 

B) You will receive a fairly standard letter saying "sorry you are not happy, we'll get back to you sometime in the next decade..." Again, if this is the case, allow for the 14 day deadline and proceed to the next stage of the claim.

 

C) You will be offered a partial refund but it will be offered as a "Full and Final" settlement of your claim. Again, we would advise you to accept this - but only on the condition that it is a partial settlement and that you will continue with your claim to recover full funds. This is now the most likely outcome. Again, see here Rejecting Offers if this happens.

 

D) You will be offered a full settlement of your claim. This is still unlikely at this stage, but it is becoming a little more common lately.

[sea-sidelady]

Also dont forget, if you are claimin any benefits, you dont need to pay to file!

 

Thanks for the heads up Scott.

[**Tilly**]

thanks scott hmm what is a site-helper:confused:

[ja-de]

I think SSL is a site-helper:confused::D

[**Tilly**]

thanks jade ssl?

[Brassed off]

okay letter before action posted erm how many days before i need to file my n1;)

 

I think it's 14 days Tilly:p says Bo *rapidly gaining knowledge from banky peeps - for future reference*

[**Tilly**]

thanks bo one more question do i have to wait the full 14 days

if they have replied before i can file my n1

[ja-de]

I think the answer to that is yes, if I remember rightly you should keep to the time-table, lmao.

[**Tilly**]

I think the answer to that is yes, if I remember rightly you should keep to the time-table, lmao.

 

 

thankooo;)

[ja-de]

No probs Tilly, anytime I can help.

[Brassed off]

I think the answer to that is yes, if I remember rightly you should keep to the time-table, lmao.

 

Do as you're told Tilly:p