Moneyhelp Vs Halifax Bank ***WON***

[moneyhelp]

What's the best speadsheet to calculate interest with, do any do it for you?

 

Plus...do I add overdraft interest or is that only if I put it in the LBA?

 

Oh questions, questions!

 

You lot are going to be so, so sick of me

[**Tilly**]

hi moneyhelp i think this the link for spreadsheets hope it helps

http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls

[moneyhelp]

It opened in google and I got We're sorry, but we were unable to upload this document.

But managed to open it in Excel...thank you Tilly.. a click on the way

[**Tilly**]

thanks for your click:)

[moneyhelp]

Another question - sorry.

 

I got a letter today from jolly ol' Halifax today saying...

 

We are disappointed to note that despite previous letters, you have not made any payments to the above account... if no payment is recieved withing 7 days, we will refer the account to our collections department.

 

When I was dealing with my debts, I was advised not to worry about this account as it was well under my overdraft limit, I was told that it would have interest added monthly and as long as it was under my agreed amount I was ok.

 

Now... is there a letter template in here that I can send to offer them an amount per month to keep them off my back? if there is I can't find it.

I think they are getting snotty cos I am claiming my charges back... well if they paid me what they owe me I can clear the overdraft off and be done with them!

 

Any advice?????

[**Tilly**]

hi moneyhelp i had the same letter i rang them and sorted it out over

the phone uptil now not heard anymore i was also under my overdraft limit

and i think your right they getting snotty cos it shows we are claiming

hope this was some help

[moneyhelp]

Thanks again Tilly

 

I went to my local Halifax this morning and threw my letter at them and asked what the hell was this all about...I was feeling so P***ed off with this letter.

She said it is because you haven't made a payment on it, I told her I thought it was retaliation as I was claiming my charges back! I also told her that the manager told me not to worry about it as long as it was under my overdraft limit... geeez they should make up their mind what they want me to do

She told me to take the letter to the counter and make a token payment... so I paid £1 and they will get a blo*dy £1 a month until I can afford to pay more

 

Ok rant over

[**Tilly**]

thats all i pay they want to try comunicating with each then they might just get it right

[ja-de]

Keep your chin up money, I'm with you every step of the way. Don't let them get you down.

[**Tilly**]

i used tax credit but can use jsa and i think income support for those you need to get a letter from the benefiets office hope this helps

[moneyhelp]

I am on incapacity benefit, should I call DWP or whatever they are called. I guess I need this proof hu

[**Tilly**]

im sure that is ok but in hmc link there is a bit that tells you what

counts for being exempt and what you need

[moneyhelp]

Hmc link?

[**Tilly**]

yes sorry have you got it

[moneyhelp]

I don't think so, I don't even know what it is LMAO

[**Tilly**]

here you go try this

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForm.do?court_forms_id=168

[ja-de]

I have the same problem as you, as I get Incapacity Benefit as well. Have you managed to find anything out, I have just been everywhere, trying to find something. LOL:confused:

[**Tilly**]

hi ya money there is another part the exempt you fill the out the incoming and out goings list your beneifits you can do it on line and it add it up and subtracts click on ex160 hope this helps

[**Tilly**]

sorry its in the hmc link i gave you

[moneyhelp]

Yes I have the EX160 filled out already.

 

Jade have a look here and see if you can figure it out

 

Court Fees - do you have to pay them? I guess I will now need to study this as well god this is getting so complicated!

 

Thanks for all your help Tilly

[moneyhelp]

I think I'm gonna call the court Monday and ask what proof they need for exemption cos it's doing my head in.

 

I have tried using Vamps spreadsheet, I think I managed it, but, isn't it supposed to add the 2 amounts up... like total charges and interest?

I have printed off a copy to see what it would look like, but it still didn't add the two together.

 

I have a headache now all this just makes me more determined to fight them

[**Tilly**]

hi money just had a look on the are you exempt hmc site if you

arent getting of the listed beneifits you can aplpy for remision

[moneyhelp]

Thanks tilly, but I do know that I am exempt cos I am on Incapacity and Income Support.

[**Tilly**]

oh well you should be fine sorry didnt realise you was on income support as well silly me:-|

[sea-sidelady]

All you need is an up to date letter from income suppport. Phone them on monday and they should send one out to you.