Acres V Halifax ***SETTLED IN FULL***

[rpa1]

Hi All

New to this but started the ball rolling today after receiving yet another £39 charge for an unpaid direct debit of a measly £12. I have started with an informal letter to the branch to see what response I get. If nothing then I will proceed with the Data Protection form and pay my £10.

 

I also found another web site who will do all the work for you on a "no win no fee" basis. Have a look if you want the hassle of doing it yourself taken out of the equation. You can find them at:

 

xxxxxxxxxxxxxxxxxxxxxxxxxxx

 

They do charge an initial £20 fee to start with though. And their commission is up to 25% + vat, so probably not worth it. I don't think it will be long before others jump on the band wagon and commission drops.

 

Regards

Roger

 

LINK REMOVED.

We do not permit the linking to any sites that ask for a fee for their work, or where a profit can be made. Please do not post this link again.

[Thailand]

call 08457203040 pay a fiver you could have them within a week?

 

Edit: this isn't advisable

[rpa1]

Received a letter from my branch acknowledging my complaint and passing it onto the complaints dept. Wait Out

[rpa1]

Ooops sorry didnt realise about the profit making links, my apologies

R

[rpa1]

Data protection letter sent 26th August 2006, wait out.

Roger

[rpa1]

Have received bank statements and calculated they owe me £1667.

 

Have downloaded the excell spreadsheet:

 

are there any instructions on how to get it to calculate the 8% or do we have to do this ourselves ? and do we really have to include the number of days since the offence?

 

I have completed it with bank charges only so far and am sending it with the last 2 columns empty.

Any advice at this point would be welcome

Roger

[mechs]

Have received bank statements and calculated they owe me £1667.

 

Have downloaded the excell spreadsheet:

 

are there any instructions on how to get it to calculate the 8% or do we have to do this ourselves ? and do we really have to include the number of days since the offence?

 

I asume you deleted all the data in the spreadsheet first, if so you did it wrongly you just amend whats there to suit your circumstances and it will work out everything for you, you then delete what is not relevant to you

 

I have completed it with bank charges only so far and am sending it with the last 2 columns empty.

Any advice at this point would be welcome

Roger

when you send the list of charges to the bank you dont add on the interest this can only be done when you file your claim to Court

[rpa1]

Got a letter back offereing a measly £267 pounds as final settlement of the £1667, of course I have accepted it but only as partial settlement

 

Do they usually pay this partial settlement immediately and then we go for the rest through court, or will I have to wait for the full amount?

Incidentally, the tone of their letter was very suggestive of this is all my fault for going overdrawn :o

 

Almost time for the letter before action.

 

Roger

[rpa1]

Received a letter telling me they would not be paying the full amount and directing me to the financial ombudsment

Returned the LBA telling them I would be directing them to court TEE HEE

[rpa1]

Submitted court claim via Moneyclaim on line this morning: getting nervous now, worried we might not win.

 

How long does it normally take from this point???

Roger

[Flippa]

From reading most peoples stories with the Halifax, not very long

 

So hang in there, you could soon be a very happy bunny

[Brad Smith]

i submitted my claim on saturday and had a letter yesterday telling me they'd pay in full within 5 working days, so wasn't long for me.

 

Good luck

[rpa1]

Just noticed on the money claim on line that there is a page that asks

 

"do you wish judgement by default or admission....." and there are two options

 

do I need to select either of these at this stage????

Roger

[Thailand]

No, thats if they dont respond on time - i.e you want to request judgement by default or the bank admits the claim FAT CHANCE of this one!!!

[rpa1]

Thanks for that info.

 

Does anyone know of any cases where the Halifax have entered a defence?

or of any cases that have been lost??

 

Roger

[jonni2bad]

1. Yes

 

2. No

[rpa1]

Oooookaaaaay

 

So on what grounds are they submitting a defence:?

[Thailand]

That thier charges are transparent, and you agreed to them when opening your account via the tems and conditions. Unfortunately for them they are only allowed to charge for actual losses accrued by the bank as a result of your 'errant ways'!. As the banks refuse to show how these are calculated -you will win. The only reason banks submit a defence is in the hope it will scare you off.

FWIW the Halifax are not as childish as other institutions and I'm sure you'll be reunited with your cash very shortly.

[rpa1]

CONGRATULATIONS, AND JUBILATIONS, I WANT THE WORLD TO KNOW IM HAPPY AS CAN BE

 

Got letter from Halifax telling me money will be in the bank in 5 working days.

 

Interestingly, they still havn't admitted liability and are claiming it is purely on a commercial basis that they are paying me back.

 

The have also indicated that they have written to the court indicating that they intend to defend the claim. Does this mean that I may have to pay the money back at a later date if their defence is upheld??

 

Also, is there anything I now need to do at MCOL

 

All that remains now is to see my bank balance dramatically increase in the next few days.

 

MANY MANY THANKS TO ALL WHO HAVE PROVIDED THE SUPPORT AND GUIDANCE NECESSARY TO SEE THIS THROUGH TO A SUCCESSFUL CONCLUSION EXPECT A HEALTHY DONATION SOON

ROGER

 

:D :D

[Thailand]

CONGRATS:D

[Brad Smith]

congratulations, don't do anything with moneyclaim yet

 

when the money is paid into your account either ring / email them with your claim number and let them know that you consider the matter closed.

[rpa1]

MONEY IN THE BANK Hurrrrrrraaaahhhhhh

[Springer]

Fantastic!!! Congratulations!!! xoxox

[Thailand]

Good stuff! Maybe PM a mod to post in litigation concluded and Halifax successes, and don't forget the survey!

[livelylad]

Congratulations