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Been sent a Claim Form by Halifax, please help

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  • #16
    Re: Been sent a Claim Form by Halifax, please help

    Hi

    One other thing I've noticed is that the claim form shows Northampton as the court. We're in the South of England; I take it we can apply to have it moved nearer to us?

    Thanks
    • 2 likes

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    • #17
      Re: Been sent a Claim Form by Halifax, please help

      Originally posted by lexis200 View Post
      One other thing I've noticed is that the claim form shows Northampton as the court. We're in the South of England; I take it we can apply to have it moved nearer to us?
      It will be moved to your local court. Northampton is actually not a court at all, you wouldn't go there for a hearing, it's just the bulk processing centre for money claims.
      • 2 likes

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      • #18
        Re: Been sent a Claim Form by Halifax, please help

        Thanks!
        • 1 thank

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        • #19
          Re: Been sent a Claim Form by Halifax, please help

          According to our calculations, you need to acknowledge this today, not tomorrow.

          Defend in Full
          "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

          I am proud to have co-founded LegalBeagles in 2007

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
          If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
          • 3 likes

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          • #20
            Re: Been sent a Claim Form by Halifax, please help

            Hi again

            Just for anyone who's been watching, I've been talking with Celestine who has been helping me/holding my hand with this claim. I really can't thank you enough for picking this thread up!

            I've just put in the acknowledgement to defend in full (I missed that it said acknowledge within 14 days!) and am feeling much less stressed! OH is relaxing a little now too - I don't think he's slept for several days now what with this and his 96yo grandmother being admitted to hospital twice in the last 2 weeks. It doesn't help that he can't deal with this during the day as he's working, so he's obviously feeling like he's lumping it on me. Things never come one at a time do they?

            I'll update as and when anything happens.

            Lexis x
            • 3 likes

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            • #21
              Re: Been sent a Claim Form by Halifax, please help

              Originally posted by pt2537 View Post
              I find the above very difficult to believe, only this morning was i looking at a Default notice from this lame lot and it was shockingly bad.

              Just because you think its good, dont take it that it is.

              Can you dig out and scan/email the CCA and default notice please Lex?
              "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

              I am proud to have co-founded LegalBeagles in 2007

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
              If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
              • 2 likes

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              • #22
                Re: Been sent a Claim Form by Halifax, please help

                I can do the CCA (I'm fairly sure it's legitimate though), but I got the default info wrong, as in we don't have one.

                If it was sent, it would have been just before I started looking at forums for help, and before we knew to keep all paperwork. OH was dreadful for throwing things away, and I have a horrible feeling that this may have been chucked.

                That said, I also couldn't find any reference to it in the SAR notes we have. Admittedly I'm no expert, but I can't see anything that looks like a code for a DN being sent, or anything that relates to one. I thought they were meant to note down that one had been sent as proof? The notes do go back to the period it would have been issued (around '07), there just doesn't seem to be anything about a notice being sent. A default was registered on the credit report in July '07 though.

                As I mentioned in reply to PT's post, the only notice I can find for the 3 HBOS/BOS accounts OH has is for a different account that was defaulted a while later, and as such I have got that one (not that it helps here!). It is a woeful attempt though, giving one day to remedy!

                I take it there's no way to get a true copy of a default notice? Any time I've asked banks in the past I've been told it's just a generic document and all they'll send is a 'this is what it would have looked like' copy which is no good to anyone.

                With the CCA - I have one uploaded already but with personal details blocked out (name/address etc) which I could email to you straight away, but if you need it with all the personal bits I'll have to wait for OH to scan the original tomorrow at work as our scanner is out of action.
                • 2 likes

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                • #23
                  Re: Been sent a Claim Form by Halifax, please help

                  Its fine to be anonymised
                  "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                  I am proud to have co-founded LegalBeagles in 2007

                  If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
                  If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

                  Comment

                  • #24
                    Re: Been sent a Claim Form by Halifax, please help

                    Excellent, images on their way to you as I type!

                    Comment

                    • #25
                      Re: Been sent a Claim Form by Halifax, please help

                      Hi all

                      I thought I'd update this a little just in case anyone is watching.

                      We (well Celestine!) have asked for more time and requested documents from Halifax, and it looks as though there may be a few issues with some of the paperwork OH has been sent, which could be a good thing for us.

                      I'll leave it at that for now, but Celestine, if you want to add anything please feel free! I'm just keeping it pared down as I don't know if it's ok to post ins and outs
                      • 3 likes

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                      • #26
                        Re: Been sent a Claim Form by Halifax, please help

                        Originally posted by lexis200 View Post
                        I thought I'd update this a little just in case anyone is watching.
                        I'm watching so keep updating :ranger:

                        Halifax often have "issues with the paperwork" so fingers crossed this will be your trump card :hug:
                        • 2 likes

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                        • #27
                          Re: Been sent a Claim Form by Halifax, please help

                          Originally posted by lexis200 View Post
                          Hi all

                          I thought I'd update this a little just in case anyone is watching.

                          We (well Celestine!) have asked for more time and requested documents from Halifax, and it looks as though there may be a few issues with some of the paperwork OH has been sent, which could be a good thing for us.

                          I'll leave it at that for now, but Celestine, if you want to add anything please feel free! I'm just keeping it pared down as I don't know if it's ok to post ins and outs
                          You'd probably feel more comfortable in the VIP area which is not open to everyone.
                          • 3 likes

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                          • #28
                            Re: Been sent a Claim Form by Halifax, please help

                            Originally posted by PlanB View Post
                            I'm watching so keep updating :ranger:
                            Ahhh, I feel loved

                            Will do FlamingParrot, just need to swipe OH's debit card when he's not looking
                            • 2 likes

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                            • #29
                              Re: Been sent a Claim Form by Halifax, please help

                              Glad it is 'in hand.' You are in safe hands and getting the help you need - that's the single most important thing.
                              • 1 thank

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                              • #30
                                Re: Been sent a Claim Form by Halifax, please help

                                Hello again!

                                Things are still ticking along with this (nothing to do with me, it's all Celestine et al), but I'm actually after clarification on PPI...

                                Celestine, I know I spoke to you about this the other day - I was going to go online and file with the bank regarding the PPI, but I just wanted to clarify if this was the right thing given that they did (2 1/2 years ago) give OH a final response saying they rejected it. Does this mean I should still go through the bank again with the same argument, that I should go to the FOS now, or is it too late for either?

                                Sorry to go over old ground!

                                Lexis
                                • 1 thank

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