2Me2U2 vs Halifax

[2me2u2]

Hi there Peseus, and anyone else who can advise.

 

I have been sent a letter back which says and I quote:-

 

'I have carried out a full investigation of your complaint and I am satisfied that the charges have been correctly applied to your account.'

 

'Why you have been charged: when you opened your account you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the term and conditions of your account. From time to time we have also sent you information about the current level of charges. This information formed part of your agreement with us and we have have applied them strictly according to the terms agreed.'

 

Question 'Do I have a cat in hells chance of claiming these back?'

Whayt is the next stage?

 

Now I am drinking and takin valium cos of these people

 

2me2u

[sea-sidelady]

This is a standard letter, just ignore it.

[2me2u2]

wow thanks sea-side lady.

 

Do you think I should just proceed to action as all of the time limits are well past there dates

 

2me2u

[sea-sidelady]

You need to stick to your time frame.

Prelim...14 days

Lba....14 days

Then file Mcol or N1

[Perseus]

2me2u - as advised, stick with your time limits, if they haven't got the sense to see that you're 'informed' and willing to argue your case - that's their look out now.

Yes, by all means the next step is waiting.

MCOL or manual N1 is up to you, N1 allows a little more space, and you can expand a little in your particulars of claim.

Please, don't get worried down or depressed about these people.

Scare tactics are so commonly used now - it's what they rely on, people getting too worried to carry on.

You have this site, and the law on your side (when used correctly).

 

Go to the next stage, and even in the meantime, you could write a couple of lines back to the signatory in their last letter.

" Account in Dispute - County Court Action Pending"

Despite the recent opportunities given to you to amicably resolve my complaint, and request for refund of unlawful penalty charges - I now have no alternative than to issue Court Proceedings seeking an order for same.

Whislt this account remains in dispute, and until such time as a resolution to my complaint is forthcoming - I withdraw my consent for you to disclose any further information about me to any other party, and wish to be contacted from now on, by letter only.

 

Regards

2me2u

 

Thats just an idea as a template....

 

Any comments anyone?

[lolypop]

Quality perseus, hang in there 2me i,m issuing my N1 tomorrow dont worry be happy you cant go wrong with these guys pointing the way. go into the library and read as much as you can it,s worked for me, good luck.

[2me2u2]

Hi everyone just to let you know after loads of hassle I am now in the process of filling in my N1 form. I just need to know do I have to take it to the courts myself or can I send it recorded delivery?

 

They gave my number to the baliffs and they have been ringing and threatening all kinds of action, I sent the relevant literature to both the baliffs and Halifax and they are not budging.

 

They must be mad cos I am not open for discussion on this one.

 

I would be grateful for any advice on this

 

Cheers 2me2u