nd111 **WON**

[sea-sidelady]

If you need anything, just ask. But you already knew that..

[ndnorthleeds]

hey ! guys i sent my second letter on the 21/05/07 and i have nt heard from halifax up to this day , should i start court proceedings then ? coz i told them if i dnt here from them within 14 days then i take them to court.

 

is it the time to do so?

[ndnorthleeds]

hey ! guys i sent my second letter on the 21/05/07 and i have nt heard from halifax up to this day , should i start court proceedings then ? coz i told them if i dnt here from them within 14 days then i take them to court.

 

is it the time to do so?

[sea-sidelady]

As soon as your 14 days are up, then file..

[ndnorthleeds]

hie everyone im sorry i have been away coz of trying to make ends meet , NOW IM LATE ! in sending my letter to court. it was due by 04/06/07 ,isthere a problem in taking them to court late ? please help dear friends.

[sea-sidelady]

no problems...

[sallysas]

When you file is entirely up to you - just as long as you don't do it early!! NOW is the time to add on the 8% and don't forget to add on £10 data fee if you have forgotten in the past. Have you incurred any extra charges between the lba and now 'cos you can add them on before filing at court.

[ndnorthleeds]

hi guys im a bit mixed up , sorry i know i should be reading enough but im one of those who when a lot of info, is in front of me i get a puzzle:o .

My short question is where exactly do i start with court proceedings and what form do i send to court?

please help once more:rolleyes:

[sea-sidelady]

It depends on wether you are doing mcol or N1.

 

Have a read of this, it should help.

Any worries just shout.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

[ndnorthleeds]

hi ! there anyone to help ? im filling in my N1 right now but my cmputer will not allow me to fill the form , i dont understand why so i printed the 2 pages . Is it ok if i fill in with a pen?please help ! im home the whole day today to deal with this once and for all.

And also i never recived 5 months of my statements and halifax did not reply to my request , what do i do?

[sea-sidelady]

It makes no difference if you fill it out by hand.

I had to do this in 1 of my claims.

 

If you are still waiting for statements, it might be a good idea to get them first.

Without rereading your thread, did you send the non compliance letter?

[ndnorthleeds]

yes i did send the none compliance letter and all has gone quite with them .

[ndnorthleeds]

help!! my charges come up to a toal of £ 978.50 and interest is £147.28.

what is interest under s 69county courts act1984? And what are the court fees? help mate!

[sallysas]

'Don't panic' as it says in Hitchhikers Guide to the Universe. If you havn't already done so can I suggest you read 'Frequently asked questions' and 'Step-by-Step Instructions'. You will be much better prepared for each eventuiality. Read some of the longer threads here on Halifax forum and some of the 'won' section 'cos an awful lot of good advice can be gleaned that way. All the best

[ndnorthleeds]

hi again! A bit stuck with the N1 THE last bit on c )When was the moneny became owed to me? and when is date i issue the claim ?Today or when i first wrote to halifax? and how do i calculate the daily of interest? HELP!

[**Tilly**]

hi ya the dates are from your first charge right upto the date you file your n1 the daily rate of interest is your total charges x 0.00002 if im wrong sure some will correct me hope this helps

[sallysas]

You beat me to it!! POC have changed since I last filed but that is what I also assume.

[sea-sidelady]

Might be worth chasing your missing statements first, or are you going to do a second claim??

[ndnorthleeds]

sorry ive got the formular now of how to add the 8% plus the dailly rate but i ve got one more quastion ! where do i find that bank calculator?

[sea-sidelady]

http://www.consumeractiongroup.co.uk/chargeinterest.php

[ndnorthleeds]

guys one more quastion i dont want to messup things at the last minute please help! MY TOTAL CHARGES ARE £978.5 PLUS £147.28 INTEREST.

HOW DO I ADD THE 8% PLUS THE DAILY RATE OF 0.0022 THEN THE COURT FEE WHICH I BELIEVE IS £120 SINCE THE AMOUNT IS OVER A 1000? I JUST NEED THE TOTAL THERE . I TRIED BUT I THINK IS WRONG .

[**Tilly**]

hi nd111 what section are you trying to do

[sea-sidelady]

Did you use the spread sheets from here?

If so the 8% will automatically add for you.

 

The daily interest is your charges x 0.00022

 

So yours are 21p

 

If you have an overdraft then you add charges and interest together,

 

So this would be 24p

[ndnorthleeds]

hi nd111 what section are you trying to do

im on c last page particulars of claim number 5 on c(the claiman claims interest sectoin 69.}

[**Tilly**]

c.the claimant claims interest under section s69 of the county courts act 1984 at the rate of 8%a year from date of first charge to the date your are filing your claim interst amount xxxxxx and also at the same rate up to the date of judgement or earlier payment enter your daily rate

 

you put the court fee on claim form

value

charges xxxxx

interest under s69 county courts act 1984 xxxxxx

total xxxx

s.a.r. (subject access request) fee £10.00

in the box on the right

amount claimed xxxx

court fee

total amount hope this helps