kaz v halifax the beginning**WON**

[moneyhelp]

How's it going Kayadkaz?

[kayadkaz]

Hi i am filling out my N1 form and going to send it to the court very soon, can i send it? i dont have time to go down to the court as im at work every day.

[moneyhelp]

Yes but send it recorded delivery and keep all receipts.

[kayadkaz]

Please help!!!!!!!!!!! i am filling out my N1 and have done the spreadsheets, with interest. but do i do 2 seperate spreadsheets as i have 2 accounts and put in the seperate daily rate and interest on the N1 form for each account or 1 spreadsheet for both accounts?????????????????:? :?

[kayadkaz]

i dont understand this part of the N1 FORM

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £ per day [(enter daily rate here - (CHARGE interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.

According to the spreadsheet for account 1

daily rate in pence= 65.25

interest=515.73

 

account 2

daily rate in pence = 13.75

interest= 62.31

[**Tilly**]

the date of your first charge to the date you file

£515.73 and also at the same rate up to the date of judgement or earlier payment at a daily rate of xxxx

[sea-sidelady]

2 spread sheets for the 2 accounts.

 

Also your daily interest is worked out by...

 

Your charges X 0.00022

 

If your claim is £515.73, then the daily interest would be 11p

[kayadkaz]

thank you, so i can put both the figures for each account on the N1 form seperately??????????/

[kayadkaz]

Hi if someone could help me add these figures it be great cos my understanding of this court paper is going right over my head!

 

account 1

total charges = 565.00

interest = 62.43

total to claim = £627.43

is this right = interest 62.43 x 0.00022 = 1p = daily interest rate?

 

 

account 2

total charges = 2,949.00

interest = 516.37

total to claim = £3,464.73

and interest 516.37 x 0.00022 = 11p = daily interest rate?

 

so on the court form the VALUE part i would put at 11p and 1p per day (of judgement/settlement at £ per day [(enter daily rate here - (CHARGE interest)x 0.00022 = pence per day )

[**Tilly**]

hi ya

account 1

565.00 x 0.00022 = this gives you your daily rate

account 2

2,949 x 0.00022= this gives you your daily rate

[**Tilly**]

defendants

Halifax

Trinity Road

Halifax

HX1 2RG

brief details

money claim for return of penalty charges

applied the claimants bank account by the defendant

Value

charges xxxx

interest under s69 county courts act 1984 xxxxxx 8%

total xxxxxxx

S.A.R-(Subject access Request) Fee....£10.00

right hand corner

amount claimed xxxxxx

court fee if you have to pay

solicitors cost leave blank

total amount xxxxxxxxxx

dont forget you need 3 copies of everything

3n1

3poc

3spreadsheets

most important sign and date hope this has helped

[kayadkaz]

Thank you thats great, what is 3poc - three of ............

[**Tilly**]

sorry particulars of claim

[**Tilly**]

have you done a poc

Particulars of claim - N1 - hard copy version

[kayadkaz]

Thank you yes i have done the particulars of claim. Im just printing them off and going to take to the court today. fingers crossed xx

[moneyhelp]

Good luck Kay and keep us posted

[kayadkaz]

i will it's kind of scarey cos i really dont want to lose i will be gutted x im heading off to the post office to get a postal order now. How many copies do i need to give to the court x

[sanand]

You have to give the court 3 copies of everything, good luck kayadkaz

[kayadkaz]

Hi, i posted my claim form off on the 13th july received my notice of issue saying it was issued and sent on the 16th july and was deemed served on the 18th july, the defendant has until the 1 aug to reply.

Anyway today i received a letter from the courts stating that the defendant filed an acknowledgement of service of the 20th july and responded to the claim indicating an intention to defend all of the claim. They have 28 days to file a defence. This is the solicitors defending the claim

Optima legal services ltd

arndale house

charles street

bradford

BD1 1UN

 

Is that the same solicitors for all halifax claims??????????

[Dusary]

I think I read somewhere that it was!

 

I wouldn't worry!

 

They won't appear!

[kayadkaz]

i hope not i really havent got the time to appear in court.

[sea-sidelady]

Without re reading all your thread, are you claiming back over 6 years?

[the wynn]

you will not be going to court trust me your only a couple of weeks away from recieving your claim

[kayadkaz]

i hope so, i'm claiming back to 2001

[kayadkaz]

Good news everyone!!!

 

today i received a letter from halifax saying they cannot defend my claim and will be paying me the full amount of

 

£4,222.80:)

within the next 5 days

now i'm going to be keeping a watchful i on my bank account, what a great way to wake up :)

thank you to everyone who has helped me.