Cheers lucy - I shall do exactly that!!

They have left my account open so still going to use it. They have put a bit at the end of the letter along the lines of we reserve the right to close your account should you get any more charges etc but if they do Ill just move my money elsewhere - their loss!

Quick question. On Money Claim I have now got two options; The defendant has not filed an admission or defence to my claim (Judgement by default) The defendant admits that all the money is owed. (Judgement by admission) Which one would I choose considering Halifax have in their letter have said they have not admitted any liability??? Thanks in advance

Hi all. It was just over £3k with interest. Can't believe how quick they turned it round!!

Oh my god - Acknowledged and paid!!! Thanks everyone - awesome. I just need to sort out a couple of bills - climb back down of the ceiling then make my donation. Thanks again everyone - fab!

Ha ha. Nice. Lucy - would I try and blame you Hopefully - looking at some other posts today I should be with a week of getting my money back!! Can't wait!

Ok - just to update everyone. I have issued my claim online last night - I could not fit in the schedule of charges (not enough room online) but was told that if they require these they will ask for them. I basically copied the information from the Lucycat vs Halifax thread - thanks again lucycat for the help. She got her settlement yesterday so I think I have done everythin correctly. Today I checked on MCOL and it has been issued - so 14 days for Halifax to respond and counting. Fingers crossed - I shall update accordingly. Good luck everyone else!

"and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.87." That part in fact - I assume thats fine to leave out....

Fantastic news - claim going in - I have copied yours MCOL exactly apart from the very last part - daily rate £0.83 bit - not sure what that was so left it off! Congrats again! Gonna hit submit!

Lucy - im at the exact same point - hovering at the point of particulars of claim but I dont seem to be able to submit my schedule of charges?? How did you get round that part?# Cheers

Hello - me again (sorry!) Thinking about all the advice above - I think I may just file the case with Moneyclaim. As Mechs mentions It will only be applicable if they go to court. arrgh - im on the precipice and not sure what to do - but i'm bery excited by it all!!!! :o

Ok so I think I understand. The letter template (below in green) however mentions no extension to the deadline as mentioned in my LBA. As that deadline is today shall I just ammend that paragraph to read (directly below) or leave as is? Thanks again!!! "My letter before action sent previously indicates that you have until 12/09/06 to respond before Court action commences. I am prepared to extend this until 19/09/06 as a result of your offer." ___________________________________________________________________ Dear [named sender or Sirs] Thank you for your letter dated xx/xx/xx I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale. I trust this clarifies my position. Yours faithfully ________________________________________________________________

Sorry Mechs - so are you saying send in my rejection letter first - then claim. Or just go ahead and claim? Thanks

Ok folks. Today I shall be using Moneyclaim online to make a claim against the Halifax. As I mentioned before I have not officialy rejected the offer I received from Halifax. This was sent out after my LBA. I was going to just ignore it and proceed with the claim however the last couple of posts have made me think I may have gone wrong slightly. Can someone let me know if I need to to respond to the offer before proceeding with the claim online? If so does it matter that this will take me outside of the 14 day window which I have specified in my LBA? Thanks folks for all your help!

Hi Dayglo - I have already sent in my LBA and am about to start legal procedings??

I havent done this and the 14 days are up tomorrow. Will this jepadise my cliam? Also can I include any new charges on the account than those quoted in the last two letters - I've had an other one . Starting to get a bit nevous now!! Thanks again in advance.

Quick question (4 days left to go!!) Should I have replied to the banks offer and turned it down? I just ignored it tinking I would continue along the lines of the terms I had laid out in the LBA. Thanks in advance!

OK - received a letter from the bank today saying were sorry to learn your unhappy etc. The letter is actualy one and a half pages long - Is this a standard letter? Its from Jeannette Gildea. By the way they are offering a good will gesture of £225.00. Dont think ill be accepting that though as its over £3K with interest owed. Do I just continue as normal now and when the 14 days are up then basically take them to court? Thanks folks

Right then - LBA posted today so I suppose that means give them untill 13/14th September before the next step. Thanks for everyones advice so far - invaluable.

Thanks - will send on Monday then. Only four days to wait!

Quick question. As I sent my initial letter on the 10th August. Can I now send my LBA in? The reason being is that they say they received it on the 14th, so should I wait untill the 28th to send in the LBA or send it in today - 14 days from when I sent the Prelim in? Thanks again in advance!

Thanks - I suppose it is now the waiting game.

Received a letter today from halifax - very general - looks like its a standard reply. Thank you for your letter which we received at the office on 14th August 2006 I am sorry top learn blah blah blah. They basically say they are keen to deal with my concerns and that they will reply shortly - certainly not more than 4 weeks. My question is should I just ignore this and post out my LBA on the 28th?? Thanks folks - your all being a big help here!!

Ok - Initial letter posted 10/08/06. I suppose now its the waiting game! Fingers crossed. Thanks everyone for there advice and input!

Hi Nona - Thanks for the reply. I have everything in an envelope next to me - not sealed yet though! I believe the letter I have is the preliminary approach letter however the template definately read as below; It starts with "Request for repayment of charges" But under the - "What I Require" heading it definately reads; I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter Is this the correct letter to start with?