Just popped across to my bank machine to check out the balance as my other half is going away for a week on a business trip. To my surprise they have, again, taken a £70 standing order out today (ON A SUNDAY) that was due to come out tomorrow (15th-it is set for the 15th). So I call the bank and get a load of rubbish about the company for whom the standing order was going to requested it on Friday. Very strange as I thought standing orders were controlled by the account holder and not the receipient. I was then told that in the terms and conditions (surprise surprise I cannot find them online) it states that the bank will take them on a day nearest to the specified day should it fall on a bank holiday or a weekend. Have a lost a day here or is the 15th tomorrow, a Monday. I spoke to 3 people who all gave me the same rubbish. This is not the first time this has happened and no doubt won't be the last. The reason it is set for the 15th as this is when my other half gets paid so the money goes out straight away to prevent it being spent. So now Halifax seem to think they can take the money out any day they choose. Any advice? I have written to Halifax before and got a load of rubbish from someone called Helen Jones at customer services. I just felt it was a ploy to try and give us charges, but it failed as we had just deposited £100 for his trip and they have taken it.

not sure if it is public or private, it has Ltd on the end (never got to grips with public and private). We do not have a union. I knew numerous people have just walked out, and the main boss just shouts at people across the office. We had a major roasting 2 years ago in December for something we didn't do, and when we tried to tell her this, we were told to shut and and that she was talking. This is what we get all the time - the woman is evil. We have a guy who is the top top guy and I have considered taking it to him as I have been informed by one of people in the room that someone tried to sort it before (quite some time ago) and go absolutely no where so they left.

One of them has a relative who works in HR and has told them what is going on, and she has advised to go and see the HR director, but she is rarely in the office as she travels around alot.

I dont think we have a dignity at work police and the grievance policy runs as such: immediate in charges first, then line manager, then overall boss. The problem is - they are the problem. I considered going to HR with this but afraid it will cause more of a problem. There are 2 others in the office who are fed up with it and all applying for new jobs. The main boss even talks the overall boss like he is nothing and they all seem afraid of her. She starts a new job in January within the company but unfortunately for me, it is too little too late.

I have worked for the same company for the last 5 years, but in the last 3 years or so, my boss (female) has been undermining everything I do, accusing me of things I haven't done and basically ripping apart at every opportunity. She is not very popular by all accounts. It all started when we had a new employee who was obviously not afraid of a bit of ass-kissing as it were. The only probably was, when she decided to ass-kiss, it was to lie about myself and a couple of others in the room. Well she left and it now seems that someone else has taken up the role. This has been a constant trauma for 3 years and has got to the point where I do not want to go to work and there is no one I can report it to as they all seem to be so far up each other it is unbelievable. I have now found that one person makes up the lie and it spreads like wild-fire and now one of the people in the office (my direct boss) has decided to completely ignore me. It doesn't help that my line manager is the girlfriend of my direct boss, so they kind of stick together. The overall boss, who likes to undermine everyone, is friends with my boss and line manager and they go shopping and borrow each others cars. I have run out of options now and have no idea what to do. I am now hoping that I can relocate as I live in Nottinghamshire and my other half works about 50 miles about, so relocating closer to his job and finding another one is my only option. In the meantime, is there any advice anyone can give me at the moment? I am not part of union and we have no protection from these bully boss's.

thank you saintly, will see what occurs. I have spoken to MCOL regarding the claim and they have told me ro contact Barclays and find out why they have lied with regards receiving the claim information. It was sent recorded and I have checked who signed for it, so I know they have it. Typical bank tactics of lying.

Hi peeps I filed a waste of costs order against Abbey when they suddenly paid out after filling some pathetic defense. Has anyone else has a waste of costs hearing? I have a mountain of paperwork, but wanted to make sure I have everything I am going to need to ensure my waste of cost hearing isn't a waste of time for court or myself. Since I filed the order, I have heard nothing from Abbey at all, so I am not sure what is going to happen. Any advice would be greatly appreciated.

Hi Received Barclays defence dated 7th September 2007 and I am a little concerned by the fact that the defence reads - The POCs do not provide details or particulars of the account in question and/o the precise charges alleged to have been unlawful, or the date thereof. Furthermore, they give no recognisable cause of action, nor is there sufficient material to enable Barclays to serve more than a bare denial of liability as a Defence. The statement of case would appear to be an abuse of process and will obstruct the just disposal of the proceedings and it does not appear to comply with CPR r16.2. The Defendant respectfully requests an order that the claim be struck out pursuant to CPR r3.4 as it does not disclose reasonable grounds for bringing a claim and is an abuse of the court's process. Now I telephoned MCOL and had a chat with the nice lady there and I explain that a full list of charges made to the account - plus the case number and the bank account were all present on the claim filed and was sent recorded delivery both to the bank and the MCOL and both were signed for in August and now Barclays are claiming they haven't got this. The nice lady at MCOL has also said they if Barclays request a strike out that I should counter-claim and request the strike out be ignored as they have received all the information. (I have a print out of the signature and date at the delivery point). My problem is, Barclays have obviously lied about receiving the information and the solicitor has signed these lies. What should I do now? Has anyone get a template letter I can send to Barclays stating that they have received the information as I have the recorded proof and should they go for a strike out, I will instruct the court otherwise as they have obviously put the claim aside and not paid any attention to it.

I have suddenly had Halifax taking DD's on a Sunday. Yet if you pay a cheque in, they don't count Saturdays and Sundays - amazing isn't it - it it suits them they take money on a Saturday or Sunday, if it is not to their advantage they make you wait!!!

Well peeps, got all my information together and will be contacting the bailiff officer at Halifax County Court tomorrow. I am not sure how the banks think they can over-ride a court decision but we shall see what they have to say and I will let you all know. I know the majority of cases are being stayed but I need to check if when a bank doesn't file a defence, they can request a stay on a judgement of default. Will keep you all posted.

Received a letter today from Halifax saying they are going to apply for stay on my claim - and this is 2 weeks after I received a judgement by default. Was also told by nasty lady at Halifax that if I apply for a warrant of execution, they will stay that as well. Nice lady at Halifax County Court has informed me to speak to bailiff officer on Tuesday. Livid that they have waited 2 weeks after judgement of default to send me a letter. They didn't even file a defence. Apparently (according to nasty lady at Halifax) they dont have to write to me at all, I think she needs to rethink what she is telling people. Will keep you informed on Tuesday

Just called MCOL again with regards this whole fiasco. Lady there (who is very nice and helpful by the way) again stated to call Halifax County Court as that is where the address is and where the warrant will be executed. So I called Halifax County Court and the lady there was very nice too. I stated that I had heard that they were staying all the cases. She stated that this is not the case with regards to judgements and that I should speak to the bailiff officer on Tuesday as she was informed that he is still executing some warrants. I will be telephoning the said gentleman on Tuesday as this has now gone beyond a joke. I think the Halifax are under the impression that all judgements are being stayed but unfortunately for them for they are not.

Which court will hear the stay as I filed with MCOL with is Northampton - they are hearing cases on a case-by-case basis, I live in Worksop which apparently are still hearing cases but the Halifax who are based in Halifax are staying all cases? The lady at MCOL seemed to think it would Halifax County Court but she wasn't sure.

Spoke to the nice lady at MCOL this morning regarding warrant of executive and she adviced to phone the Halifax and inform them of the judgement that they have ignored. So I phoned the Halifax: HOW RUDE ARE THESE PEOPLE????? After speaking initially to Maureen who said she was in the bank account bit and couldn't help (she put me through to what she stated was customer relations and it was another bank account person). I spoke to another person who didn't give her name. She stated that they don't have to inform me of anything and at the moment I am not a bank customer but the opposition (I thought that was rather stupid). I questioned why they had not defended the claim when they initially stated they were going to and was told 'I cannot comment on that, I don't know' so I asked why I hadn't received any correspondence at all since beginning of June and was again told 'I cannot comment on that, I don't know'. She was very rude, interupted everything I said and basically didn't listen to anything. She said they are applying for a stay and if I go for a warrant of execution they would apply for a stay on that as well. I applied for the judgement on 14th August and was granted it and now it has taken until 31st August (and me phoning them) to be told anything and in a very rude manner. I am completely livid as the bank have treated me disgustingly and I am annoyed that the court have issued a judgement and the bank have blatantly ignored it. Plus I was on the phone for 40 minutes (and on hold for about 30 of those). FUMING NOW!!!!!

Hi Tilly, I have a document sent to me stating that judgement has been granted by default as no defence was filed. This was sent about 3 days after I requested judgement by default. Is this the one I need? I phoned MCOL when I received it and the lady told me that is the document that tells you judgement has been granted.

Just got back from a week in Spain and Halifax still have not paid me back the £££'s that I got a default judgement for. It was supposed to be paid back by 21st August 2007 and now it is 30th August 2007 and I have nothing. I think a call to MCOL in the morning to sort out a warrant of executive and get the little blighters working!!!

OK today is D Day for Halifax giving me my money back. Just checked out online banking and surprise surprise, there is no refund in there. Now do I wait all day and see if it goes in, or do I now go straight back to MCOL and file a warrant of execution? The reason I ask is, it says if it is filed before 9am they sort it the same day - after 9am they do it the following day. Problem is, I am away from early morning Thursday until 30th August. Plus, I know Halifax have a habit of either putting pennies in late on in the afternoon or just ignoring it completely. I am stumped guys, and for me to be up this time of day tut tut there are 2 7am's in one day?????

OK Halifax have until tomorrow to give me my pennies back, I was fair and gave them a week to repay it (the same amount of time they give their customers to pay the charges). So far I have heard nothing - they said they were going to defend and didn't so 32 days passed and I claimed a judgement by default. If they don't pay, what do I do then?

Logged onto MCOL today and registered my judgement by default as Halifax have failed to file a defence. Halifax have until 21st August 2007 to give me my money back. Lets see what happens!!!

Tried to get a judgement today on MCOL as it is 30 days and it keeps saying I cannot get a judgement at this time. It states: You cannot request a Judgment by Default at this time. The Defendant is allowed 14 days from the date they were served with the claim to defend or admit your claim before you can request a Judgment by Default. If the Defendant files an Acknowledgement of Service within 14 days of receiving the claim form, they will be entitled to 28 days from the date they were served with the claim form to file a defence or admission of your claim. If the Defendent does not file a defence or admission within the 28 days you can request a Judgment by Default. If you have not requested judgment, the defendant may still file a defence to your claim after the 14 days or 28 days have elapsed. The claim will then be transferred to your local court for a hearing to be arranged. Any advice on this as it is now 30 days

Excellent thank you. I filed mine with MCOL and put 'I will be forwarding a copy of all charges separately' which I did. I have read down the posting and note that I have included all the information as stated in the posting. Many thanks for putting the link

Having a problem clicking the link. It wont allow me to.

So I cannot put a request for judgement in until Monday? Getting really confused with this.

I haven't received a letter or a defence. Not sure what Halifax are doing as mine has been ignored completely.

Hi Filed with MCOL on 9th July 2007 with regards to Halifax. Received the notice of issue through the post which states it will be deemed to be served on the 14th July 2007. I have heard nothing from Halifax or anywhere else with regards this claim, so I make it that it is 29 days today. I have gone back onto the MCOL website and clicked Start to get a judgement by default. I keep getting a message saying I cannot begin a judgement at the this and get a message which says the bank is allowed 28 days from being served to defend the claim. They haven't defended the claim or done anything and MCOL will not allow me to acquire judgement. Can anyone help? Is there something I am missing?