Hi everyone, I've had the worst week ever... I fell inlove with a horse but she failed her vetting check and the vet adviced me not to buy her. I'm desperately wanting a 16h+ bay horse (mare in particular) age between 4 and 10years. Good with traffic... already broken. North west england... pref Lancashire/Greater Manc area. £4000 Max. Please some-one say there selling one or know any-one who is!!! Cheers Cat

I'd ask for more coz I'm greedy, but then again I don't know what theyd say. I'm still waiting for a responce from them. Sorry I can't help, all this baffles me

thanx alot people

it's been 14days since i sent the Halifax my 'letter before action'... but I've also been told by a friend that banks have suspended payouts until the court case has finished... is this true?

do you reckon the charges will be dropped a big amount after all this? coz the ###### still chargin me 30quid a go

did you get through to them? what did they say?

there's a big court case today OFT vs Banks... if the banks win, does this mean we can't get back our charges? will it be a quick decision or will we be waiting weeks to hear the outcome?

i'd sign his name 4 him lol no-one would know either way. why does he want to look through it all? id be quite happy accepting half of your claim for him if he doesn't want it lol just sign it yourself, tell him hes too late and keep it for youself or still sign it and give him half when u recieve it

yeh i hope i do get all me charges back, im skint at the moment with moving house etc

did you go to court then, or would the £120 be if you did end up in court? i hope they offer me a decent sum for both my claims and not have court mentioned... thats when i will start pooping myself are alot of cases going to court now then?

good luck i say... this is what im ****ting excuse me language lol

yes thanks, i just need to print it off and print the letter off, then send it 2moz. my printer has decided to stop working tonight lol i just hope they dont make me go through the courts etc. capital one have only charged me £120.00 in charges... do you think they will give it me back in full because it's only a low amount? how do they decide who gets paid back in full, in parts, or none at all?

thanx. i only have £831.00 charges from the halifax and £120.00 from capital one... i wish they'd charged me more now lol

my claim is only £120.00 with capital one and £831.00 with the halifax, i wish they'd charged me more now haha

thanx everyone... i think i no what im doing now. i just hope they pay me back in full without involving the courts

same as yours... 34.9... i copied u lol

thanx alot jubaxt... ive done it sorry 4 hijacking the topic

yeh thanx ive found the spreadsheet but it's read only, and can't figure out how to make it so i can put my details in hahaha thicko meeeee

hey andy, hows it going with capital one? i'm struggling with this aswell. I have worked out they have charged me £120 worth of charges.. it's the interest bit I'm pretty confused on now... do I try and get more back aswell as me £120 ? what's the link for the site vamps?

okie dokie, thanx

thankyou very much. it just confused me which letter to send to them now.. as letter 3 (letter before action) starts off with ''I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].' so i didn't think this would be the correct letter. Thanks for your help tilly

all this is soooooo confusing lol i have recently been sent my statements from capital one, so I'm in the middle of browsing as we speak... I have been charged £12.00 per charge on 'overlimit fee charged' 'late payment fee charged' 'returned cheque fee' are these the charges I can claim back? Also, I've been charged a hell of alot of interest monthly (which I knew about anyway because it wasn't a 0% credit card) but can I claim back any of that back aswell? I've also read a few threads on here and read people claiming back 'contractual interest'... can some-body explain to me what this is please:confused: thankyou muchly

thanks alot for your help... the 1st bit says 'I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].' they did actually respond to me, just not in the way i would of liked!! also, does this part of the letter 'I am enclosing a copy of the schedule of the charges which I am claiming' mean i just send them the copy of charges again (the spreadsheet) ? and would you suggest i take out... 'Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.' ? sorry 2 be a pain lol

hi, many thanx 2 this site and members on it for helping me try claim back my charges from the halifax so far wouldn't of bothered if it wasn't for you guys and gals anyway i'm stuck and im hoping you can help me out... the Halifax recently wrote back to me saying I knew the situation when I opened my account, blah blah blah blah.. I'm presuming they say this to alot of people to try and put them off claiming... but I'm confused on which letter I reply to them... I have read it on this forum before, but can't find it now it did start off as... 'I write in response to your letter refusing for a refund of bank charges.' I hope you can help Thanks

thanx alot steven