Broke v Halifax ***SETTLED IN FULL***

[Broke]

I am trying to claim £1317 in charges from The Halifax.

They offered me a total of £360 as a final offer (only offer never mind final!).

I refused and sent another letter.

Today i got a reply saying i would not be getting a full refund.They aknowledged that i had refused their offer.

So then i phoned them and asked if we could come to a compromise to which i was told no.That WAS their final offer!

So where do i go from here? Do i now go to the small claims court? How do i do that and how much does it cost?

Feeling a little out of depth now.

TIA

[rbrears]

Don't worry - you'll be fine once you've had a good read of the FAQs.

[dinghy]

Firstly welcome to the site...

 

Have you read all of the FAQ's etc ?

 

Have you sent the standard letters ? Prelim & LBA ?

 

There is no reason to feel out of your depth... There are plenty of people here that will help so long as you have read around the site first...

[Broke]

Thanks for a reply.

I am just reading as much as i can.

I sent off the 2 letters on the Bankcharges.info site.

Should i have sent different letters?

Thanks for the help.

[dinghy]

I haven't seen the letters on the bankcharges.info site but I presume they are pretty much the same as on here ?

 

How is your timetable running ? Did you give them 14 days in the last letter ?

 

Filing a claim is easy enough... There is plenty of advice on it around here...

 

I think the cost for filing a claim for £1300 will be around £120 but this can be added to your claim as can interest at 8%...

 

Read around the site and keep us up to date with how you are doing...

[pmhread]

Halifax paid the money into my account yesterday and I got the letter today saying this is what they were going to do (?). They offered me £200 for a claim totalling £1400 so don't give in to them. Mine went as far as them acknowledging the claim with the county court before they paid up. Nearly thought a few times about taking the £200 on offer and leaving it at that but some of the threads on this forum are a real inspiration!

[Broke]

Thanks,

I will need to wait until next Thursday (14th day) and then i will make a claim with the court.

From reading all the info on this forum i have noticed that it does seem to be The Halifax who dig their heels in the most!

Will keep you all posted!

[jonni2bad]

There are worse ones, believe it or not.

 

But you WILL get your money back in the end

[Broke]

Need some advice please!

When i sent the letters to The Halifax i only claimed back 3 years worth of charges.As they have basically told me to naff off i decided to claim for the whole 6 years.

I have ordered statements from 01/06/2000 until 01/06/2003.

My question is : Do i have to start all over again or can i go straight to Money Claim?

I have done the interest charts but need to add the new info on years 3/6.

TIA

[Don Quioxte]

I would pen them a very brief letter in which you re-iterate your intention to file against them in 7 days for the original amount, plus the newly calculated figures. Include a summary if you want of the 6 years of charges (I just copied the excel spreadsheet into word and played around a teeny bit to make it look professional).

 

Emphasise that they now have a final 7 days to meet you request and enter into sincere dialogue. Should they choose not to then you will file in full following the close of business on X June for the full amount, plus costs, plus interest amounting to £Y as provided for under sec69 of the County Courts Act.

 

End of.

[Broke]

Thanks for the help.

I will do exactly that.I just hope they send the statements quickly!

What really makes me laugh is that i can hand deliver all my letters as i live 5 minutes from the Halifax headquaters!!!!

[Broke]

I am filling out my money claim online and i don't know what to put in the Particulars of this Claim section!!:o

I'm sure somewhere on this site it tells you but i cannot for the life in me find it!

Can some kind person point me in the right direction pleassssssseee????

Thanks in advance and apologies for being a dimwit!

 

 

MODERATED threads moved to correct forum , merged and thread title changed

[Janet-M]

Hi look in the libary

[Broke]

Thanks you're a STAR!

[Broke]

Only a quicky!

Does or will your claim include any issues under the Human Rights Act 1998?

 

Do i select yes or no to this???

Thanks,

Broke x

[barracad]

Does or will your claim include any issues under the Human Rights Act 1998?

 

No.

[Broke]

Hi,

I am just filling out a hard copy of my Court Claim form and i have a mental block!

What is the best way to word the :Brief Details af Claim section?

And in the Value section do i put Claim: £1537 plus interest of 8% £201.40 total: £1738.40 or do i just put the actual total amount?

Thanks peeps!

Broke:confused:

[mechs]

Hi,

I am just filling out a hard copy of my Court Claim form and i have a mental block!

What is the best way to word the :Brief Details af Claim section?

unlawful penalty charges

And in the Value section do i put Claim: £1537 plus interest of 8% £201.40 total: £1738.40 or do i just put the actual total amount?

 

Value

Total charges$1537

Total section s69 interest $201.40 up to and including ( the date you make the claim)

Plus interest at the daily rate of (whatever your daily rate is)

Thanks peeps!

Broke:confused:

mechs

[Broke]

Right then!

I submitted my clai to the court on Wednesday 26th July (a.m.) but i haven't heard anything!

I don't have a claim reference or anything as yet.

Should i call the court and ask if the Halifax has recieved my claim or do i sit tight?

Thanks

Broke!

[Broke]

Well i filed a claim at the court on 26th July !

I haven't yet heard anything 8 days later!

Is this normal?

Should i call the court and get the claim number??

Thanks in advance,

Broke!

[Broke]

Ok i have just called them and the lady at the court said she remembers putting the *stuff* in the envelope and that the Halifax would get it today!!!!!!!!!

Am annoyed as i filed my claim 8 days ago!!!!!!!

Is this usual for it to take this long??

[jonni2bad]

Quite unusual really, perhaps the exception being where court costs are covered by way of being on certain benefits.

 

However, don't let it distract you.

[Broke]

Thanks i'm glad this doesn't happen every time!

I paid cash too so there weren't any benefit forms or CC payments to be made!

Well i shall just sit and wait now for a response.

Wish me luck

[Broke]

OK,

I have now recieved a letter from the Courts with my claim number etc on.

Where do i add this on this site? Or do i have to contact a Mod?

Thanks

[jonni2bad]

You can send it to me via PM if you like

 

Claim Ref No

Date served

Amount in total