Well I bring you all good news and hopefully inspire even more people....phoned nice lady in Liverpool call centre....she said that their offer of just under half was a good one....I said no, at this late stage I want my interest too (have till Sat before 28 days from N1 route runs out!) i want all my money yet as a good will gesture i will accept £ 300 less than my total claim...She was pleasant and said i understand..can i call you back. !0 mins later....on our system it shows another letter been sent out to you....i said can you tell me from your system what that letter says....Nice lady replies....It is a letter offering you full settlement plus interest and court fee...is that ok with you sir? Too Bl**dy right it is!!!! So victory is mine at long last...account to be credited within 5 days!! As you all relise it is a long process and they try to confuse everyone....stick to what the greta people/moderators say on this great sight and you will win!!! Thanks everyone especially SSl...tilly 49, moneyhelp Donation to follow once money credited! Thanks and keep up the fight!!

Well folks...to my surprise on saturday there was a letter from our friends offering me just under half of the money I am claiming ....Tut Tut! very much mistaken if they think at this very late stage (there 28 days to defend up this Saturday !4th!!) I am going to accept this offer. There letter says that although they think charges are fair..blah...blah they cannot possibly explain the breakdown of charges etc..But we value your custom..blah blah!! and maybe we can help!!! I am arranging apayment of £xxxx to be made into your account as a gecture of goodwill. If you accept this offer then do nothing ...however if you dont then "please contact me on this number above ( a liverpool number)"....So looks like tomorrow morning I shall be doing some serious negotiating...i.e. " thanks for the offer but I want all my money and interest!!!" hopefully they will be accomadating and put up no resistance....reading a few threads they seem to cave in easily...so roll on tomorrow...I sense victory is near!!

Well ,well ,well....."quel surprise!!" Just got home to find a letter from the court stating that The halifax have indeed now filed an acknowledgment abliet on the 4th July....They had until the 2nd July !! Anyway I am rather relieved in a way as this seems to be the fastest route to payout!! So by my reckoning the 28 days to file a defence from when i originally served the N1 form is Saturday 14th July between now and then money should definitley appear !!! Good luck...keep battling coz if u take the advice from this forum it all work out well!!

Hio gilly50001...in answer to your question ...no still no money appeared. your dates seem the same as mine. ..but it shows how halifax deal with all cases differently to confuse everyone...your claim was acknowledged and you receive an offer (although for only a third!!) and I was not acknowledged (as case with a few others ) and have since sent a final 7 day demand as advised..so fingers crossed we both hear soon!

missed your news from this morning Dursary....fantastic...well done!!!

wise words Dursary....thankyou. I shall be watching with interest to see if halifax "cough up" ...they have until 4 pm Tuesday until my final 7 day demand letter expires..then i shall file for judgement!!

Cheers Money...i been watching your case like a hawk!! I am so pleased it worked out well for you..nice one !!

great to see another 2 victories for fellow claimants today...their expiry dates for judgement etc along with mine are all within days of each other so looks for sure that its just "when your name/form gets to the top of the Halifax intray!!

well done bumper!!! Ive been following your thread as u were a couple of days ahead of me...so fingers crosssed .......brilliant news for you

Thanks SSL....I knew you would have another valid point

good point wizzo....i am hoping that the 7 day letter actually speeds up the outcome....i feel that going down the win by judgement/default route may take a little longer....I hope to find out real soon!!!

Thanks SSL.....I have sent the "final" seven day pay up letter to the halifax, basically telling them that there has been no record of them acknowledging my claim by their 14 day expiry date at my local court...(despite one of the so called legal team saying it was acknowledged!!! A blatant lie!). seems to be a few people in similar siuation...oh well they now have till 4 pm tues 10th july to pay up or i file for judgement!! P.s. if i file for judgement if i receive nothing from the above letter...what would be the next step by them? ...immediate pay up?

Hi all, just an update...gave halifax untill today to acknowledge my filed n1 form (their 14 days ran out 2nd July) Checked with court and no defence/acknowledgement filed at all. I spoke to the legal dept at halifax and they seemed very confused....at first the lady said we have no record of your claim...to which i replied i think you will find that an n1 form was deemed served on 16th by count court....this was followed by her darting around her office asking her colleagues if they were dealing with my claim. They all seemed to no nothing....then right at the end of our conversation she then stated that somebody in her office had faxed an acknowledgement last Friday. I said fine. Later today i went to my court and double checked and they confirmed that NO ACKNOWLEDGENT had been sent by Halifax.... As th date has now passed I am now in a position to go for victory by default....but I have sent a" final Pay up within 7 days of this letter" demand instead. Is this wise or should I go back to court tomorrow and file for judgement? any advice appreciated....Thanks

thanks for all the advice guys, next 30 odd hours i 'll be checking that empty account !!..... hoping for the best..good luck all

thanks, very interesting the way these bandits work!!! anyway i hope in a way that i dont hear anything by Saturday in the way of an acknowledgement etc as that will just give them more time....hopefully this postal strike tomorrow will slow them up and am i right in thinking that once the sat deadline for the 14 days is up i can claim victory? what happens if a letter from court stating halifax acknowledged etc early next week?....just tough on them i suppose...and i go for judgement etc!!!