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ArohemQ vs. Halifax**WON**


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Halifax Credit Card.

Claiming default charges of £165.00

Plus s69 Statutory Interest as at 28/04/07 of £60.40.

 

04/03/07 1st Letter sent.

15/03/07 Halifax Goodwill gesture, offer of £82.50 (50% of charges)

16/03/07 Rejected offer, sent 2nd Letter.

04/04/07 Halifax offers Full refund of charges, £165 no interest.["Not entitled unless win case in court"]

  1. Do I have to accept this settlement without the s69 interest or can I chase this in County Court?

I know, the amount is small in comparison to others on this forum but it's the principle! Yessir! Ahem. :oops:

 

I am also seeking default charges from :

  • MBNA: £380 + s69 £132.11
  • Barclays Bank: £855 + s69 £334.02
  • American Ex: £270 + s69 £94.68
  • Barclaycard: £140 + s69 £48.72

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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Hi Weareskintagain!

 

Actually, I closed off the Halifax Credit Card account myself in Sept 2003.

So they've made their offers despite my account being closed (was only open for 2 years).

 

Incidently, I opened a Halifax current account in February this year to tart them for their £100 offer!

They haven't threatened to close that off. ...yet...

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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If they have offered you the full charges you have claimed for, then you have won.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Hi Sea-sidelady, thx for your reply.

 

Yes, indeed I have won :)! I've been wondering how on earth I can continue seeing as I now understand I could not have requested s69 from the start.:p

I've been trying to find out if I can change in midstream & request CI instead. It had galled me that they took the cash for their own profit while I had lost out on any potential earnings that money could have generated hence charging s69. But apparently I couldn't/shouldn't have.

I imagine legally I may be at a disadvantage as Halifax have offered full settlement as per my initial request.

And I guess £60 in interest is small potatoes. I'd like to think it isn't greed urging me on. It's the principle, I tell ya!;)

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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If you want to claim contractual interest, this has to be mentioned in the prelim and the lba.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 4 weeks later...

Received settlement cheque yesterdayfor £165 :)

No interest but full settlement of all default charges levied.

 

My new account current with Halifax, opened in March of this year, remains unaffected.

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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Well done,

 

Better in your pocket than theirs..!! :D

 

Dont forget to do the survey

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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