NIGEL 1804 back for the rest.

[nigel1804]

After having won my last battle (£8,500) with the halifax,halifax visa want to play the long drawn out game for only £400 each,come on visa guys,no letters about banking codes or "we don't pay back all your charges" lies just pay up.Oh and can I have my mortgage statements please.......... then I can work out my morgage charges as well.lololol:lol:

[Guest ian cognito]

Well I suppose it gives us something to do and makes sure they are working for their money, well working for giving away their money anyway!!!

 

Good luck, as your claim was for over £5000 and all with Halifax, couldn't you have lumped it all together?

[nigel1804]

Not sure but I did the visa's that are based in Scotland and they are three different accounts so don't think you can treat them as one.Plus there are differences because they are basad in Scotland.From Engalnd you have to serve the papers "sol service" which can creat a few probs they're allowed 21 days to reply and 35 days to submit a defence,so they're just probably over worked at moment,"wonder why?".lololol.Patience is a vertue so not going anywhere.

[neilbass]

Good luck again Nigel - sure they'll be so pleased to hear form you again!! :grin:

[nigel1804]

MMMMM,I'm sure they will be pleased to hear from me,why do they churn out the same garbage, if they know I've gone the whole hog once what makes them think Ill quit this time?

[nigel1804]

Are at last they intend to defend in full,for one of my Visa's,lovely, better go order those new wardrobes my wife wants while the sale is on,money should be through soon then.....lololol.

[nigel1804]

Hi again everyone Halifax have just paid in full my two credit cards.Now for the mortgage and more charges on my current account. .Can a mod put this thread onto my successful thread of "my charges nigel 1804".thanks to everyone for their help.

question,why do banking staff always look at you gone out when you mention winning back your bank charges? I think its a great conversation to have in a bank full of people,Do the banking staff all live in North Korea?

[nigel1804]

3 days from the deadline of the 40 days chased up my mortgage statements.Used 01422332991 and spoke to a nice young man called Mark Kellett,extremely helpful and polite,he said he could deal with my request straight away and that I would receive my full 12 years of statements next day.Well that will be marvelous,lets see...........Thanks Mark!

[nigel1804]

Well not received my statements yet 2 days after Mr Kellett promised,never mind information commissioner will help. 40 days are up tomorrow.

[Aaronsdad]

Nigel, you filed in Leeds County Court? I live in the NE of Scotland but I can file in the Halifax 'domicile'. Is this in Halifax or Leeds? Travelling to defend is not a problem. Which is the best court to do it?

 

A D

[nigel1804]

Hi Aarons dad,now I believe because the h.b.o.s.do business Nationally,you can go to a local court.Now when I filed from Leeds to Halifax Visa in Fife the leeds court sent me back my notice of issue along with the court papers.Now it was up to me to serve the papers to the visa people in fife,The Leeds court couldn't file the papers for me because they were in Scotland.I had to fill in a notice of issue certificate and send them back to the court which basically was letting the courts know when the papers were sent to them.This was because Scotland has its own law.Now I'm not sure how it works in reverse.If travelling isn't a problem,You might be able to file in the nearest English county court to you.Halifax main head office is in Halifax,Trinity Road.But they also have another address here in Leeds .If I were you, ring your local County Court and ask them what would be the best situation for you to do, they are normally very helpful people.Also check some threads on what other Scotish people have done.They'll be plenty already done what you are doing.Regards Nigel

 

This advice is given only as a lay person and not as professional legal advice.

[nigel1804]

Well after two Data letters ,cheque cashed on the 25th sept,two telephone promises of statements will be sent and one of they have sent them on the 25th oct still no statements.time to make them jump.

[neilbass]

Prod them with a big stick?

 

I managed to see an advisor at our branch in the end and saw our account screen on her PC - they keep quite detailed notes to each other re dates of requests, follow-up requests etc.

 

Once I actually saw a comment there that said 'posted' and the date I believed they were coming - arrived the day after!

 

Good luck!

[nigel1804]

Well neilbass that day in my case has well and truely passed,I've sent them the failure to comply letter,and I'm ready to show them up in court,to the tune that they haven't complied with the data protection act,...oh that they had promised me ...In writing......they would do within the 40 days in compliance with the data protection act......yes thats exactly what they promised me.........their letter was dated the 13th september and I reapplied for them for the second time on the 16th September.Major......Major......incompitance as far as I can see.....or they are testing me.Well Halifax I have taken you all the way 3 times before,and you lost,so,what makes you think I won't to do it this time.?;-)

[nigel1804]

Hi again everyone,they never learn.they have continued to take charges even though thye have paid me £8,500 back.So lets see if they admit defeat this time straight away or are they going to go through the whole rigmarole again.My opening letter to thsi claim does inform them that they have already paid me out 3 times so lets see what happens this time.Waiting a while for all the charges to end of month plus I want a business account with them so lets see if I get that first.I'm only playing the same cheecky game they play us,P.S.Hello again to to you all People Power.

[nigel1804]

Count down to last day in March..........When they give me my last charge for the month for going over my overdraft.Then I'll have to take there sorry butt's back to court for some more charges to be payed back to me......I wonder if they'll close my account this time?

 

Anyone know if G.M.A.C. mortgages come under the same regulations for me to claim charges that they put on my account for 1.A missed payment then there was a charge of £50 /month for every month I wasn't able to get back straight. I have now remortgaged elsewhere, can I claim this back from them.P.S. high again everyone.regard Nigel.

[nigel1804]

Or well here goes a fourth time with Halifax

[nigel1804]

Well blow me down with a feather,the usual responce their banking code leaflet and they are going to try respond with in 4 weeks.lol.Watch them respond sooner as the 4th LBA from me drops on their mat.you've paid me out 4 times for goodness sake.

[nigel1804]

Hi again, can anyone enlighten me on the situation after the judgement this week in which the bank went to court,(purely by accident) didn't turn up but the judge said if it was a fee for a service then he would rule it in their favour.?????????????Do we just carry on as lots of people said it doesn't affect anything.Regards

 

Nigel 1804

[nigel1804]

Ok usual reply after LBA.This was a poor copy of a letter it didn't even look like a nice computer letter their copier must still be doing overtime.

Now to write my N1 form.

[nigel1804]

Hi again everyone.Just had a slight hiccup on my N1 e160 form when i put it into the court,but after the court case recently where the barrister lost his case,do I take it that everyone is continuing with their claims as usual.

[kennythecelt]

Hi Nigel- yes- proceed as usual. Please read sticky on OFT if you have not yet done so, and best of luck!!!! :lol:

[nigel1804]

Ok kennythecelt,N1's going in today for halifax (4th time for these idiots) and GMAC residential funding.Im exempt court fees due to tax credits so got nothing to loose gives them some more work and sweat.lolololol:D

[nigel1804]

Hi just a question to a moderator,in my other thread nigel v GMAC.Hi everyone .Just received a letter fromEvershields with the Acknowledgment of service from the N1 I placed on them.They intend to defend all of the claim.Do I take it that this is a blah de blah letter as a frightener before they give in like the Halifax does anybody had this.?regards Nigel.

vbrep_register("1085916")

[nigel1804]

anybody out there that could tell me why Ive got this report,and isn't anyone replying to threads anymore?regards Nigel

don't know why I have this report thing,anyone able to help?