kaz v halifax the beginning**WON**

[sea-sidelady]

Yes include weekends and bank holidays. I only gave them 1 working day for postage as i sent recorded. So you post lba on the 19th.

 

Dont worry if yo think your questions are daft.

 

It is easier to answer a daft question rather than fix a daft mistake..

 

Any worries just post here and some one will get to you.

[kayadkaz]

just an update, received 1 letter - "sorry your not happy" and their lovely complaints leaflet. Only received it for the 1 account tho so far. Still going to send 2 LBA's for both accounts on the 19th.

[sickntired]

just thought I would let you know that they may have included both accounts under one claim reference. I called them because I only received one letter even though I had sent two letters- one for each account, but they have assured me that this covers both accounts, so it may be worth checking.

[kayadkaz]

Thanks it's only got the one account no but am still sending my LBA today for both accounts. Should i send 2 LBA's or just 1 covering both accounts????

[sickntired]

I sent just one LBA for both accounts on 5th April, I called on 16th April to make sure they had got it , and was offered a full refund there and then, so that might be worth a try as well.

 

good luck

[kayadkaz]

Thanks, just going to print it out then post it.

[kayadkaz]

:? Hi halifax are getting on my nerves!!!!!!!!!!!!!

Have a standing order that went out on 25/4 as usual. Went to the cash point on the 27/4 to withdraw money, machine took my card, came online and noticed bank had taken out my standing order AGAIN on the 27/4 leaving me with nothing, the standing order was £200 so this was a big chunk of my wages to go out x2. Just been online again today to see they have applied a charge for going in the unauthorised overdraft dated the 28/4 and i have an account balance of £30 something and a available balance of £10 something, and haven't been overdrawn at all, what are they going on about you can see clearly that i am not overdrawn, will be adding this charge if they don't take it off. What do i do about the standing order, going to the bank tomorrow. The company i paid it to said they cant refund the money as it's the banks fault. I'm in a right pickle that money was in there to pay for more direct debits, now they are not going to go oput and i'm going to be stung more. What do i do?????????????

[jowalshy]

Hi Kayadkaz, Have you tried ringing Halifax? I have just checked the direct debit website and found the following:-

 

Direct Debit is one of the safest ways of paying your bills. Organisations using the Direct Debit Scheme go through a careful vetting process before they're authorised, and are closely monitored by the banking industry.

 

The Direct Debit Scheme protects you and your money by means of the Direct Debit Guarantee.

 

This Guarantee is offered by all banks and building societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own bank or building society.

 

 

The Direct Debit Guarantee

• If the amounts to be paid or the payment dates change, the organisation collecting the payment will notify you normally 10 working days in advance of your account being debited or as otherwise agreed

  
  

• If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid
  
• You can cancel a Direct Debit at any time by contacting your bank or building society. We also recommend you notify the organisation concerned.

I hope it helps

[sickntired]

hi

I would have thought that you should be covered under the direct debit guarantee also. Have you found out why the bank kept your card though?. If you have on-line banking it might be worth checking that they haven't put a restriction on your account. We had one put on ours which made it enquiry service only which meant the machine kept our card when we tried to use it. They do this without telling you when they are unhappy with the conduct of your account, ( well they do tell you via post in about 3 days).

 

 

Hope you get things sorted, I'm sure it will be fine its just the inconvenience of it all isn't it.

[kayadkaz]

hi it's time for me to do the money claim bit, do i send 2 money claims as i am claiming for 2 accounts???????????

[sea-sidelady]

If you are doing mcol, it can be very hard to fit everything on the poc. Most people use N1 if combing claims.

[kayadkaz]

ok thanks i will do the N1, i am kind of not understanding the court claim, do i have to go to my court-if so does it matter now cos i have gone over my time scale being a bank hol and not having any money to pay the fees. - the 3rd of may was when the 14 days were up for my LBA

[sea-sidelady]

Its ok to just carry on. You take these forms and fill with your own details and make 3 copies, along with 3 copies of your spread sheets. Hand them over at your local county court, and they will do the rest for you.

 

Here is the N1 form...

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1_0102.pdf

 

And here is the poc

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

If you need any more help, just shout.

[kayadkaz]

Help i think i have mucked my claim up. My LBA's last day was 3/5/07 but i havent done the N1 form yet as i have been so skint and cant afford to pay the costs upfront.. When i do take the form to my local court how much would i need to pay ?????????? does it matter that it would be a little late cos i really want my money!!!!!!!!!!!!!!!!!!!!!!!!!!

[sea-sidelady]

You are still in plenty of tiime to file. Dont worry.

 

Here is a list of court costs...

 

County Court Fees

[kayadkaz]

Thank you, pay day next week so will do it then. It's pretty scarey thinking about the idea of going to court xx

[**Tilly**]

hi ya they were my thoughts when i first joined here but believe me you get all the help you need all the way

[AD33]

yeh dont worry you will get all the help you need on here..:grin:

[kayadkaz]

Help - i still haven't managed to fill the court claim it's really late now, just haven't had the spare money to fill them.

I received a letter from halifax dated 24th May stating

"they have carried out an investigation of my complaint and they are satisfied that the charges have been correctly applied to my accounts."

blah, blah blah, to finish

"i am sorry to advise you that i am declining your complaint" and sent a photocopy of their complaints procedure

And "if i do not hear from you in the next eight weeks i will assume you are happy"

Is this a standard letter they send!

Am i to late to continue with this claim?????????????????/:-|

[**Tilly**]

yes carry on with your claim it is their standard letter if you need any help just shout stick to your time scales not theres

[kayadkaz]

The 3rd of may was when my LBA was up so was a little worried that im too late, i still want to go ahead with it

Thank you:o

[kayadkaz]

Hi, i am filling out my N1 form and just wondered, where it says "name of claimants solicitors firm" do i need to get a solicitor???????. I have no overdraft interest just charges so hope thats ok. i have 2 accounts can i use the 1 N1 form for both the accounts??????????????

[dolphin939]

Hi the name of claimant is you, you dont need a solicitor, you can use an n1 for for both i did with the halifax, lorraine x

[kayadkaz]

Thank you. I'm a bit late on filling out the N1, with the interest do i calculate it up to the date i file the claim??? i'm guessing yes but i thought i'd better ask

[dolphin939]

Hi yeah you do the interest up to the date you send your claim,lorraine x