just had letter offering me half of the claim rang them up and declined and they offered me the full amout excluding interest that will do niceley thanks all of you a donation will be on its way:)

Hi just submitted my N1 to the court with my spreadsheet so just sit back and see what happens now hopefully doesnt take to long as cars just broken:)

JUst spoke to halifax because letter before action 14 days is up tommorrow and was hoping we could sort this out and was told your letter of the internet is wrong we have up to 8 weeks to look at your case so whoose right shall i file form n1 tommorrow or not

do you think i should ring them to try and sort it out over the phone or at least check that they have recieved my letter before action

Just thought id quick update you ive sent the letter before action been a week so far and no word back from them as yet,just hoping we dont have to go down the court route but knowing my luck we will have to

thanks all for your prompt respose this has settled my earlier fears

Hi i posted a thread for advice on how to handle a letter i have recieved in my other thread jones vs halifax yesterday at 14.00 and i havent recieved any replys should i ignore this letter i.e is it a standard letter.

Hi i have just sent the preliminary request letter and i have recieved this reponse. YOUR BANK CHARGES thank you for your recent complaint. I am sorry you are unhappy about the charges which have been applied to your account. OUR INVESTIGATION I have carried out an investigation of your complaint and I am satisfied that the charges have been correctly applied to your account. This letter explains the reasons behind my decision. Why you have been charged when you opened your account,you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the terms of the account.from time to time, we have also sent you information about the current level of charges. this information formed part of your agreement with us and we have applied them strictly according tothe terms agreed. we apply these charges because when customers have insufficiant funds in thier account to cover a payment they have asked us to make,this means additional work for us. As a result,we feel it is reasonable to charge for this service. how we can help if you continue to manage your account in this way,future charges will be applied to your account.we know you do not want this and we would like to work with you to help you avoid these charges altogether.we offer free banking,which means your account is free of charge,as long as your account is in credit or within an agreed overdaft limit.To ensure your account remains free of charge,it can help by keepnig a running check on how much is in your account.Yopucan get an up-to-date balance at any of our cash machines,over the phone and online. outcome I am sorry to advise you I am declining your complaint.I hope I have explained the reasons for my desicion. If you have employed someone to handle your complaint on your behalf,please note the following halifax does not charge you to investigate your complaint halifax will not be liable for any costs incurred if you do decide to employ a third party to hadle your complaint during this review in the event any payment was identified as due,in general halifax will only make payment directly to the complainant should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right.we are keen to resolve your concerns,if we are unable to do so we'll provide you with details of how you can contact the financial ombudsman sevice for help.if i dont hear from you in the next 8 weeks i will assume your happy. yours sincerely elijah bailey so if any one can give me some advice i would be gratefull thanks

Hi im new to the site and was trying to open the interest calculation spreadsheets but they are not letting me is that down at the moment or is it my pc thanks