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Hello

 

I have been browsing all the forums and information the last few days and found this site a great help to me. Luckily i have kept all my statements over the last 6 years totalling to £3175 in charges. So, i have prepared the prelim letter and the spreadsheet for dates and amounts of charges. My question is...am i still able to make a new claim whilst awaiting a decision by the high court on this subject?. After an illness which affected my income the bank levied extreme charges on my account. When i was able to return to work a normal week my entire weeks wages were taken in charges which has left me in severe financial hardship having a knock on effect with any other debtors, ie mortgage and council tax. I have in the meantime opened a new bank account.

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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My question is...am i still able to make a new claim whilst awaiting a decision by the high court on this subject?.

 

Yes! Business as usual.

If the court stays the claim, (and only the court can do this, NOT the bank), we have a template letter to request lifting the stay.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Hi Angelwings

 

First let me say a big WELCOME to this site.

 

You will find the ppl on here a really freindly and helpful bunch, any questions or doubts you may have just call out and somebody will always come to help you.

 

OK so youve done the prelim and spready then go get em.

 

The general feeling on here is that you should just carry on as normal even inthe light of this test case.

 

You no doubt know that the bank has 14 days to respond to your prelim, you will more than likely get the usual letter stating that the charges are lawful.

 

Take no notice of that, w've all had them if no positive response then send the LBA and they have another 14 days to respond to that,.

 

If still no response then its N1 time.

 

always remember to stick to your time scale NOT theirs . they might write back saying that they will need 8 wks to investigate , ignore it just the 14 days then next stage.

 

It is better to read all you can on here , read the winners threads and everything that you can .

 

Youll be surprised how much you will learn and pretty soon youll be advising other people on here .

 

If you get your claim in now and in the event that it does get stayed then at least you know that when eventually the banks lose the test case ( they will ) your claim is already in the wings to get settled.

 

Dont be afraid to ask any questions if your unsure of anything someone will give you the answer.

 

Good Luck with your claim

 

BTW if you ever feel the need to just chill then take a look in the Halifax Chill Out link in the Bear Garden . Right bunch of reprobates, but great people really.

 

Regards :)

  • Haha 1

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Thank you so much, you've raised my confidence a little lol. I've been dead worried about all this stuff until... and you'll laugh at this, a debt recovery man visited me for an outstanding utility bill and said a similar thing happened to him and told me of this website! So here i am. I keep my diary dates up to date and post outcomes!

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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Hi

 

Dont worry , see its amazing the number of people that are members of this group.

 

Some of them you propably wouldnt think of, the more the merrier eh.

 

Ive told loads of people about this group ( if the truth be known their more than likely sick of me talkin about it):rolleyes:

 

When I first started this I was terrified, never dreamt that I would take on the banks but here I am now waiting for a Judgement to be sorted.

 

I started this claim months ago, messin me about somethin rotten,:mad:

 

but, it WILL be worth it in the end.

 

You sound as though you know what your doing so I dont think you will have any trouble getting there.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Thank you SSL very kind of you to think so.:o

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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yOUR VERY WELCOME

 

Gonna try to get some shut eye now though.

 

Hope to catch you tomorrow.

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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I've just had a thought! :confused: Am i meant to post all my letters either special delivery or recorded delivery? I sent my prelim letter as normal post to the registered office! I was presuming this was ok as it's how all other companys do, including banks or council tax etc.

 

Can anyone verify this for me please?

 

Thank you

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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Thankyou Tilly, so my next question is: would this be sufficient as the first letter was posted last Thursday or should i re post using special/recorded delivery?

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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Ok I have been reading everyones messages and catching up on the advise before starting. But i have one question that i need to make a start.

What address did you send your first Data Protection ltr too as i have seen about 3 or 4 and thishas been quite confusing ! ?

 

Many thanks Lesley

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Send everything to Trinity Road.

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Hi Lesley

 

I didn't send a data protection letter because i have all of my statements. But i sent my letter to trinity road, sorry i didnt see this post earlier.

 

xx

  • Haha 1

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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Share on other sites

Thank you so much, you've raised my confidence a little lol. I've been dead worried about all this stuff until... and you'll laugh at this, a debt recovery man visited me for an outstanding utility bill and said a similar thing happened to him and told me of this website! So here i am. I keep my diary dates up to date and post outcomes!

 

That made me smile - great to see word getting around about Bank claiming - I also told my local Post Office cashier about how to claim charges - keep spreading the word is what I say - even if it does come from unlikely places like DCA's :lol:

Oh and welcome to the forum ;)

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Thank you Moneyhelp Lol .. yes recommendations from the places you least expect!

 

Well, i have an update. I received my standard reply letter from the halifax today.....so, will prepare my LBA letter ready to send on the 6th September. Will update on what happens next !!!

 

Thank you all for your support !!!

  • Haha 1

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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Share on other sites

Hi Angelwings

 

If you have had reply to your prelinm then there is no need to wait till 6th.

 

Just send LBA tomorrow rec del and wait to see what response they give you to that.

 

Good Luck

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Thank you Overflow!

 

I will finish preparing this tomorrow and post, will let you know the outcome :)

23.08.07 Prelim letter sent :)

31.08.07 Standard Letter received from Halifax :rolleyes:

05.09.07 LBA Letter Sent :)

12.09.07 Standard reply letter received from Halifax :rolleyes:

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Share on other sites

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