halifax bank charges (merged)

andy_H_4

Had a letter this morning from MCOL saying that Halifax are defending the claim

Also received letter from Halifax saying that they will pay £1358 in respect of charges, together with £256.91 interest and also £120 court charges!!!

so do i write to MCOL or select "The defendant admits that all the money is owed"

Also Halifax say that the full amount will be credited to my account within 5 days, but it is in hands of a DCA (£750 overdrawn), would they send me a cheque for the outstanding amount?

Ta

Andy

loppydog

Great to here.I am on thee first step her I asked Halifax for a list of charges they need five pound sent them the money they sent it back saying the need ten pounds is it like this all the way?

John

PaulW922

andy_H wrote:

Had a letter this morning from MCOL saying that Halifax are defending the claim

Also received letter from Halifax saying that they will pay £1358 in respect of charges, together with £256.91 interest and also £120 court charges!!!

so do i write to MCOL or select "The defendant admits that all the money is owed"

Also Halifax say that the full amount will be credited to my account within 5 days, but it is in hands of a DCA (£750 overdrawn), would they send me a cheque for the outstanding amount?

Ta

Andy

Andy

I would expect them to credit the amount against your outstanding debt with them and send you the balance - and unless you are disputing the debt itself I don't see how you could get around that as it doesn't sound an unreasonable course.

In answer to your other point, on the basis that they have offered the money with no admission of liability - and I am sure they have - you should write to the court, quoting the case reference number and say that the matter is now settled and you are not pursuing it. Don't fill out that admission bit!

darkhorse66

Well today was the day i was supposed to file a claim with the courts, but receive a letter from the halifax offering me the full amount claimed -£1870.00. Thanks to all your help and advice.

jonnyb1978

jonnyb1978 wrote:

Recieved letter yesterday saying as a good will gesture they will offer me £410. Im claiming for £678. This was recieved after sending off my second letter (before action).

As tempting as it is to accept, i will be waiting until tomorrow (a day before im due to file the claim) and ring them up to 'discuss this matter'. Politely ask them for the remainding money or i will file the claim and remind them that they will then be liable to pay court costs plus any interest.

Fingers crossed

Gave them a ring and was sorted with minutes.
I stated i was not happy with the offer. The nice lady asked what i would be happy with. I said £650. She checked for about 10 seconds and said ' that is fine we can do that'.
All i have to do is alter the original acceptance form with the correct amount and put a note on it authorised by [name]. (The lady i spoke to).

Excellant result.. Thanks for all the advice people and to this site.:T

iceliquid

Hi all,

I sent of my letter requesting my statements from Halifax to the address on the forum, "Data Protection-Trinity road" one.

I did this by recorded delivery on the 2 Feb.

When I use the track and trace on Royal Mail its says item not yet delivered and that is now 7 days since posting

Is it worth it to resend the letter, this time by special delivery?

Karnam

has anyone succeeded in getting theier money and the interest back before going to court?

darkhorse66

Karnam wrote:

has anyone succeeded in getting theier money and the interest back before going to court?

Yeah, i received a full refund of bank charges the day it wasdue to go to court.

PaulW922

Mine to Halifax is the same (30th Jan) I have proof of posting so that's good enough for me I think.

Karnam

plus interest?

i am claiming for a relevatively small amount but want the interest back as well. as its such a small amount i wonder how far it will have to go before i get the lot back (less that £500 including interest)