Hi i have had dealings with NDR send them a letter asking for your Credit agreement. x

Hi is it the letter before action x

Hi you will have to apply for these charges seperate x

Hi its 28 days from deemed served. x

Hi i rang halifax several times to see how the claim was going its 01422 391096 but i think the lady is away until 9th july, typical. She told me that a letter of settlement would be sent out to me, on 22nd june the money got paid into my bank the letter arrived the day after lol, whereabouts are you up to with your claim? x

Hi i got the same letter from droyds about my empire account they didnt send me a copy of my credit agreement, what should i do now? x

Hi my partner got letter from mackenzie all stating that he owes a balance of £255.22 to JD Williams he has never had a catalogue, i wrote to them last week asking for SAR and got this letter today Thank you for your recent communication regarding this account number, in order for us to move forward we would need you to call us so we can confirm a few details. Yeah right as if lol x

OOOOOOOhhhhhh great news missus sounds like you have won, keep checking that bank account x

http://www.consumeractiongroup.co.uk/forum/member.php?u=94071 click on the link and that will take you to sea side lady's post, she helped me loads x

Hi send them the rejection letter stating that you will accept the offer as part payment x

Hi send a message to Sea side lady shes the best one to deal with x

They paid me up 4 days before their time was up x

Dont panic they said that they couldnt find my papers ring Rachael on 01422 391096 x

You will get a letter from the court stating the date it is deemed served and they have 28 days from then to pay out.

congratulations Hi my claim with the Halifax, they paid the full amount into my account on 19th june 2007 £5635.05. N1 filed 23rd May 2007 Deemed served 25th may 2007 Acknowledged 1st June 2007 Keep on fighting and you will get it. Heres some helpful numbers 01422 391096 or email rachelhinchliffe@HBOSplc.com Today 20th June I discovered that 2700.00 had been taken out of my bank, I rang Halifax and was told it was interest on a loan, I told them that I didn’t have any loans so she put me on hold and came back after 5 mins and said there’s been an error I will get someone to call you back in 5 mins (I smoked 5 cigs in 15 mins) got no call back so I rang them and they said sorry about the error your account as been refunded with the 2700.00 what a cheek?

congratulations x

Hi just read your thread, the halifax paid me on the 22nd june my bank charges refunded and today i noticed that they have paid me on one account again, whats the best thing to do x

Hi i got bank charges refund last week and they have paid me again on oneof my accounts, i noticed that they have paid you twice did they ever realise this? x

Congratulations X

I will keep it in another account until they realise their mistake, x

Okies will do ive transferred it to the Nationwide, all it said on the online banking was interest credited x

Silly sods lol, well mines been transfered to the nationwide hope they dont cotton on before it transfers to the bank lol, x

OOOOOOOOOOh im gonna spend it though and if they cotton on they can have it back a fiver a week lol x

Hey guess what, when halifax refunded my charges 5635.05, they took the 2175.00 out so called interest on a loan i never had, they put it back the same day, just been on online banking and the stupid sods have refunded the 2175.00 theyre mistake, ive transferred it to nationwide lol x

Thanx i will have a great time, im chasing the nationwide now only had the account since oct 2006 and they owe me £800 in charges already x