No nothing yet. I'm still checking daily though x;-)

Consider myself told! I'm just impatient I guess.

Hi Congellous - heres what I put.... 1. The Claimant has an account number ******* with the Defendant which was opened in June 2001. Since January 2002 the Defendant debited charges in respect of purported breaches of contract. List of charges to be supplied seperately. 2. The Claimant contends that a) The charges debited to the account are punitive in nature, are not a genuine pre estimate of costincurred by the Defendant and exceed any alleged actual loss to the Defendant. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms Act 1977 and Common Law. 3. The Claimant claims the return of the amounts debited in respect of such charges in the sum of £****, court costs and interest persuant to section 69 County Courts Act as set out on the list of charges , and interest at the same rate up to the date of judgement or earlier payment at a daily rate of £***. Hope this helps - good luck!x

Oh and Danch 2000 - does it seem to have been going on forever? I'm beginning to lose hope of getting anything to be honest. Good luck! and let me know if you here owt x

Hi I will try and find my wording for you if you like (not that i'm an expert but it may help you?) watch this space........

Oooooh that would be lovely! Don't want to get my hopes up though cause after just readng Marriannes post she seemed to wait weeks after filing her claim. Thanks for replying - I will live in hope.

QUICK UPDATE... Well after completing moneyclaim on 5th July - I was sent a letter stating the Halifax had until the 10th July to be served this. They acknowledge receipt on the moneyclaim site on the 12th and I then received a letter from the court on Saturday (15th) saying that they have chosen to defend their claim so now have 28 days. Is this normal procedure.??? I have scanned through some threads but can't work out what kind of timescale others have had. To be honest I'm a bit scared cause I am claiming over £6000 in total and I have read somewhere that because it is over £5000, I would be liable for court charges should the halifax try and take me to court and win. I hope I'm worrying for nothing.

thanks will bear that in mind Had a letter from the court yesterday saying that the claim was submitted to the Halifax 1st class on the 5th. They have till the 10th to receive it and then 14 days to take action. Watch this space.

well good luck - keep me updated x:)

Theres no money in my account to try and steal anyway - The Halifax have taken it all!

Oooh thanks - didn't think about that! cheers everyone! x

louby lou14 - yes thats just what they did with me. Just send your LBA letter 14 days after your original refund request. I've posted mine above it it helps anyone. Thanks to everyone for keeping me strong - I'm getting scared now!

Thanks for all yours support. Congellous - yes i did customise it a little. heres a copy if you need to use it - (won't be offended if you dont). 19th June, 2006 To : Halifax Bank PLC LETTER BEFORE ACTION Fao Claire McBride ACCOUNT NUMBER: ********* (edited for your security) I am writing with regard to your letter dated 20th June 2006. Thank you for your offer of £515 to settle this matter but upon legal advice I have been advised to reject this. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am surprised that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £4860.00 plus £1768.07 which you have charged me in overdraft interest (8%) for the sum which you have taken. Total £6628.07. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice. Yours faithfully, Catherine Hall It was about 10 days later that they upped their offer. I emailed them to reject this. Good luck! Hope it helps!?

Thanks. Well I've begged stealed and borrowed to get £250 togather - and succeeded so my moneyclaim application has been completed today and paid for. They say it will be actioned at 10am tomorrow - exactly 14 days after my LBA. If i don't win I'll have to beg steal and borrow to pay everyone back - scary thought! How long does it usually take from here? What happens next?

Thanks. Well I've begged stealed and borrowed to get £250 togather - and succeeded so my moneyclaim application has been completed today and paid for. They say it will be actioned at 10am tomorrow - exactly 14 days after my LBA. If i don't win I'll have to beg steal and borrow to pay everyone back - scary thought! How long does it usually take from here? What happens next?