nd111 **WON**

[ndnorthleeds]

hey ! guys i have handed in the claim forms to my local court today , but im being told i should have made them in tripplecates so they asked me to come back . im on my way down there now . SO!! HOW LONG SHOULD I WAITE FOR THEIR REPLY ? THE BANK I MEAN!

[**Tilly**]

hi ya once you have handed in your papers you will get a reply with a deemded served date on usually within 3 to 4 days

[ndnorthleeds]

big problems i ve been told i ve added the interest wrong and they started giving me alot of info which comfused me plea se i need help !!! im off to the gym to cool my self off ! they have adviced me to do it on line /mcol.

[**Tilly**]

what did they say you had done wrong on the interest

[sea-sidelady]

I think you need to read a bit more on the court procedure.

 

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

[sanand]

Hi ndnorthleeds, hope you are feeling calmer now, filed my papers at court today, I followed sea-side ladys advice on tillys and moneys threads with regards to filling out the forms, might be worth you having a look at those, good luck

[ndnorthleeds]

what did they say you had done wrong on the interest

I used the bank calculator on here but they claimed i did not add the 8% properly and did not multply with 0.00022 daily rate, then they started giving me another formular of calculating and i got stuck then i left to say i ll bring them tomorrow.

[**Tilly**]

did you multiply the amount of charges by the daily rate

[ndnorthleeds]

I Ve Also Star Ted Re Calulating My Bank Charges Again But Im Worried Its Giving Me A Different Fg On The Total Charges Because The Interests Keep On Changing , Should I Stick To The Old One Or Work On The New One ?

[ndnorthleeds]

did you multiply the amount of charges by the daily rate

YES I DID BUT THEY WERE PUSHING ME TO DO IT ON LINE ,

[**Tilly**]

try this i found this easier

http://www.monseysavingexpert.com/

[ndnorthleeds]

try this i found this easier

http://www.monseysavingexpert.com/

ok i ve used that calculator now , but my main worry is! its giving me a different figure, is the bank not going to ague on that , coz i sent them the list of charges.?

[**Tilly**]

you can add charges right up until you file so it should be fine

[ndnorthleeds]

try this i found this easier

http://www.monseysavingexpert.com/

 

OK I VE USED THIS CALCULATOR NOW ITHINK ITS EASY ! MY INTEREST IS ::: £167.46 AND TOTAL CHARGES COMES UP TO £1266.96 so is the 8% added here and what about the daily rate of 0.00022 please help im dropping my forms now

[sallysas]

I use vamp's spreadsheets as they work out the interest for you with the 8%. Just search for 'Interest calculation spreadsheets' ignoring the google ones and vamp's are at the bottom. It also gives you daily amount to be claimed after deemed to be served. Sally

[ndnorthleeds]

Hey guys finally did it and put my claim ! now waiting for the responce ,how long should i waite to here from the court though ? another 4 weeks ?

[moneyhelp]

From SSL

 

Ok so what happens next.....

 

The court will do everything for you. They send copies to the bank, and they will send you a copy.

 

Your copy will have the date it is deemed served. This is the date you need now. This is your countdown date.

 

They have 14 days to acknowledge from this date.

 

If they dont acknowledge then you can file the letter demanding payment. :grin:

 

If they do acknowledge,

They have 28 days from countdown date!

[ndnorthleeds]

From SSL

Thanks a lot ! fingurers cross, WHEN the banks offer what do they offer in this case ? THE charges plus court fees and interest? or they dont worry about your expenses.

[moneyhelp]

Who knows - theres no set way they do things, thats if they do anything at all

Keep an eye on your account, you never know

[ndnorthleeds]

Who knows - theres no set way they do things, thats if they do anything at all

Keep an eye on your account, you never know

ok ! i will!! im downing a few glasses so i dont want to go off base line!

[sallysas]

I suggest you read some of the longer threads and some of the 'won' section. You seem to be a litle bit unsure of what happens next. Halifax are not bad compared to some of them. If you have a better understanding of what they are likely to do you will end up with all your money rather than accepting a lower offer in gratitude. Not long to wait now though.

[kennythecelt]

Have a read around and see how others have approached things. The banks can be difficult and you should seek advice if you need it.

 

If you follow the guidance you will be OK and get all or YOUR bank charges.

 

Good luck!!

[ndnorthleeds]

Who knows - theres no set way they do things, thats if they do anything at all

Keep an eye on your account, you never know

 

 

hey! they guys i think they are bending in , this morning i got a reply from the halifax ! Guess what! with an offer of goodwill as they put it, but only £650 ,24 instead of the whole amount £1836.64.

 

I think this letter was written befor they got my claim through the court coz i only got the notice of issue on the 27/06/07 .

Now ! what do you think they are up to guys? Not for a even half a minute im thinking of taking this.

My other quastion is what do i do with this amount when it comes to my account?They are saying if not happy i should contact the financial ombudsman service on 08450801800, whatis that ?

[sea-sidelady]

You need to send the rejection letter as it is now in the hands of the court.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

[ndnorthleeds]

You need to send the rejection letter as it is now in the hands of the court.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

 

SORRY ARE YOU SAYING I SHOULD SEND THE LETTER TO THE COUNT COURT OR THE BANK WHERE THE OFFER CAME FROM? I VE PREPARED THE REECTION LETTER NO 5 ) HELP!