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Ok, I need some help from the "big guns". Yesterday the Halifax paid £725 into my acc as settlement for my 1st claim against my account........ Today, they took £500 back out again! When I phoned up, they said it had been taken by card services for arrears on my visa card (which I also have an action against at the moment, and have been refusing to pay until the actual amounts are sorted) Can they do this? Are they allowed to just take £500 from one account to pay for another without notice? I dont know whether to hit something or cry.

Well, I'm 3 days ahead of you, so we'll find out together I guess! From what I've seen on here, they submit a defense, then pay up just before the court date. Submitting a defense doesn't affect the court date at all.

Meagain it will be fine, just take deep breaths and stop worrying. They have until june 16th to defend my claim and I have only had the original s*d off letter too, so I wouldn't worry about that. As for having gone overdrawn again, it doesn't affect your case, from what I understand, unless of course you want to try and add the new charge to your claim. We WILL get there!

I'm confused (nothing new there then) I filed on 03/05, my return date is 30/06 and hearing date is 07/07, what is my date of service????

Congratulations!

I used the credit card template from the library here, but will use the Govan template when it comes to filing the action. Keep phoning and nagging them, it took me three calls before the statements finally arrived. Keeping my fingers crossed yours are "in the post" too:)

Thanks for the advice scottishpol, but my statements finally arrived today!! Miracles Do happen! Time to write a request for the £400 they've taken from me now:D Moderated : for the protection of the site please do not post comments that may be viewed as libellous .

The 5k limit is per acc as I understand it cwoj, and as to whether you deserve it, if you were mugged, would you feel you had deserved it for carrying money? The banks have been making us all feel guilty for so long, taking the moral high ground and treating us like we're stupid and deliberately incurring charges, but it is all a lie! They have been stealing, yes, thieving, robbing, mugging pillaging and kicking people when they are down for years and they expect to get away with it simply because they are banks and consider themselves above the law! Get MAD! Then get even:)

I am in exactly the same situation, requested my statements, told 10 days, then after 2 weeks I phoned yesterday and was told they have been posted out and would probably be with me today..still no statements. I may have to try phoning and ask for charges over the phone too.

Lothian & Borders must have less of a backload than Kirkcaldy, I filed my claim on the 2cnd too, but my return date is 30/6 and my hearing date 7/7. Needless to say Ill be following your case to see what to expect! Good Luck!

I filled in and printed off the form at home on my compter then just handed them in at the court scott8040, I used the templates from here http://www.govanlc.com/chargescourtaction_scotland.html If you need the wording for your statement of claim etc pm me and Ill email you mine if you want. Good luck!

Wow! I'm so impressed, what a great story!! If I end up needing to go to court (Kirkcaldy) would you go with me??

I would set up another acc straight away if you can Cariad. They took away my o/d and froze my acc which meant I couldnt get my money when it went into the account. Cover yourself incase they turn nasty!

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?s=&daysprune=&f=33 this link should take you to the templates section (I hope!) Good luck!