wooly V Halifax

[joolywooly]

I sent a preliminary approach letter on the 10th July to Halifax saying they owe me £4500.62 bank charges plus interest taken out of my bank and have had a reply saying they are keen to deal with my concerns as quickly as poss .A customer relations manager will investigate the points I have raised and I will recieve a reply shortly ,but no longer than 4 weeks.Do I have to wait 4 weeks or can i send LBA on the 24th July?

[TBeckett100]

you set the timescales not them. if you have given them 14 days, give them 14 days. it is long enough.dont be ruled.

[joolywooly]

for £480.00 but am about to send out lba in 3 days time do I add footnote saying will accept it but still taking them to court for the remainder?

[GeordieBaz]

Yep...just do that. You accept money as an interim/part payment and crack on with your LBA. Just stick to the timelines...make sure you've given them 14 days. Just as a matter of interest how much is yr claim for , and is the 480.00 your first or second offer ?

[jonni2bad]

Threads merged

[joolywooly]

the claim is for £4500.62 and this is halifaxes first offer.

[TBeckett100]

the offer is insulting. provided you still have self confidence, follow your timescales

[joolywooly]

yes I have the confidence to see it through,this site is fabulous and you are all very helpful!!!!!!!!!!!!!!!!Thanks everyone

[joolywooly]

to capital one from my account to take out a charge and now I have another charge with Halifax and cap 1.After I submitted my payment to cap1 it said Id paid them so has Halifax acted illegally again?

[MARTIN3030]

Well yes.........but the term loosely used in UNLAWFULLY.

 

 

 

[joolywooly]

in court for the halifax for £4555.00 plus £364.44 interest which brings it to £4923.84 is that to much when court cost are repaid to much for small claims?

[4kidsat147]

nope, your initial claim ie no interest or court costs needs to be less than 5,000

[joolywooly]

but a few questions who do I put down in defendants name and address?Or do the court fill that in?And do I tick the box with issues with human rights?Thanks

[MARTIN3030]

but a few questions who do I put down in defendants name and address?Or do the court fill that in?And do I tick the box with issues with human rights?Thanks

 

 

defendants name.....the bank

 

their address (use their reg office )

 

 

human rights............no

 

interest ................yes.

 

 

[joolywooly]

prelim letter sent 10th July

LBA sent 24th July

n1 filed 8th august 2006

£4675

[joolywooly]

I paid with my visa debit card but paid under credit card by mistake but payment was accepted but still worried they could decline it .

[MARTIN3030]

Looks like its ok.

I know visa Electron wont go through.

If you managed to send then it looks ok.......it wouls show as payment declined otherwise.

 

[joolywooly]

I have just checked moneyclaim online and my claim has been issued !!!!!!!!!!!!!!!!!! How soon do you reckon halifax will respond OR pay me back as I have a yearning for alton towers!!!!!!!!!!!!!!!!!!!!!!

[joolywooly]

Also another Q I am making 3 copies of all correspondance I have sent in regards to my claim to the Halifax plus theirs back and my schedule of charges ,what else do I need to do beforehand apart from swotting up on the small claims court procedure?

[MARTIN3030]

Acknowledged maybe tomorrow.

 

Your interest and fees paid maybe Friday with the full amount Mon or Tuesday.

 

I will go for Tuesday

 

 

[joolywooly]

just had a call from Halifax asking me if I would accept their goodwill offer of £480.00 but I explained that I hadn't turned it down as I had stated in my letter I sent them on the 22nd July I will accept it as a part payment ,the lady sounded really nervous and said they won't pay all the charges back so I informed her I had a claim filed with the county court which was issued today .!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[joolywooly]

I cant work out what to put in the top interest rate

 

0%

INTEREST RATE

 

 

31/08/2000

DATE OF SERVICE

 

 

8%

JUDICIAL INT. RATE

 

 

09/08/2006

DATE OF PAYMENT

[joolywooly]

if I put it in lower than 8% it goes up in tens thousand or if I put it higher than 8 % it puts my figure in -

[thewifeandI]

Put 8% in both boxes, and make sure that the Date of Service and Date of Payment boxes both have '=TODAY()' (without quotes) in them. When you file your Moneyclaim change the Date of Service to the date your filed to keep that part frozen.

[thewifeandI]

Having looked at your sheet there's also an error in the way that you've entered interest on charges. They should be entered from the top down with no gaps - don't try to align them with the dates on the left side. Looking at the spreadsheet as it stands, I think you would be better off downloading a clean version and copying your data (turquiose fields only) into it (or re-entering it all). There seems to be a number of other errors in the sheet, probably caused by copy & paste or deletes.