I'll have a go at posting a letter. Is there anyspecific way of doing it. I'm not to good on computers. I have paid £120 for court so I may as well stick it out. I have nothing now so I'll wait for the full or nothing. Lets hope I get the full.

I filed for court 2 days after the test case results were announced. Not sure if this was wise or not. It cost me £120, hope this will be worth it. Halifax sent me another letter giving me a second chance to accept the payment as a full and final settlement, I had already rejected the offer. I'm still thinking, what is the likely hood of the test case going in favor of the banks. Should I take the half payment now while it is guaranteed or not, continue for what is mine. :-| I would appreciate of some of you could give me some words of encouragement which way to go, and some reasons to back it up.

I'm claiming from HALIFAX, Bank of Scotland. Was the claim form easy to complete and did you just fill it in on the internet? Did you fill in the N1 form that they talk about jusifying your charges. Some say it is a must and others don't what did you do. How did you find filling the particulars out?

My letter is signed by hand. It is from a Jacqueline McFarlane, Customer Relations manager. Thanks very much for further info. I'll have a read of the rejection letters again and see which one suits my situation best. Which banks are you claiming from? Cheers:D

I'm a little confused with the wording on my letter I recieved offering me a settlement figure. It states that should I accept this offer then it will be a full and final settlement. However it states that if I don't wish to accept it then I should call them on the phone. I have read that I should steer away from verbal communication and stick to letters. Is this advice correct. Also if I do stick to the letter form of communication should I send letter 3 or letter 4, giving that they have still left it an option for discussion open. Dusary You will be please to hear that I will donate some money now and then more on completion of my charges being returned.

Thanks for the advice, I'll have a read of the information and send my rejection letter. I keep you updated. Cheers

I have registered with the site a couple of months ago and after reading through various blogs, threads and suscess stories I decided to go for it myself. 1 I have sent my request for statements off to the bank. 40 days past but they still hadn't replied or sent the statement. I went into my local branch and spoke to the manager about the problem. She was very understanding and rang through to HQ. She ensured that my break down list of charges was with me the following day 2 I sent my prelimanary letter requesting for a grand total of charges to be sent/ This amounted to £2700 (£3000 including 8% interest). They replied with a letter stating the charges were lawful. 3 I sent them the LBA letter which, they have replied to by offering me a payment of £1,371. It states that these funds will be put into my account within 14 days. If I'm not happy to accept this then call a number or the ombudsman. At this stage I don't know what to do. I don't want to accept the offer as I want a full refund. Do I call them on the phone or proceed with court action? Please can someone advise me on what to do now?? I am fully aware that this site is run on donations and I will be making one when or if I recieve my charges.

I have registered with the site a couple of months ago and after reading through various blogs, threads and suscess stories I decided to go for it myself. 1 I have sent my request for statements off to the bank. 40 days past but they still hadn't replied or sent the statement. I went into my local branch and spoke to the manager about the problem. She was very understanding and rang through to HQ. She ensured that my break down list of charges was with me the following day 2 I sent my prelimanary letter requesting for a grand total of charges to be sent/ This amounted to £2700 (£3000 including 8% interest). They replied with a letter stating the charges were lawful. 3 I sent them the LBA letter which, they have replied to by offering me a payment of £1,371. It states that these funds will be put into my account within 14 days. If I'm not happy to accept this then call a number or the ombudsman. At this stage I don't know what to do. I don't want to accept the offer as I want a full refund. Do I call them on the phone or proceed with court action? :?