Got my acknowledgement of service this morning also saying they intend to defend. They have to 1st of June by my calculations. I will be watching your thread with interest as it seems we are on exactly the same timetable. Good Luck.

thought this might help you should be able to get a nat west step account you can even apply on line this is a basic account but you do get a debit card aswell

I'm watching your thread with interest my claim went in on the 28th waiting for it to be served on halifax. So we should hopefully be getting our money at about the same time. Good Luck.

thanks have been to the courts before reading your reply.funny thou we have had a offer from the bank today not accepting, but will take your advice and file the next claim online cheers all the best with yours

I am doing the court action bit tomorrow morning went to the court today for the papers and dropping them in tomorrow do I include the spread sheet of charges with it or do I save that for court if it does infact go that far?

Can anyone help me i'm about to file court case tomorrow and have all the forms here but what I need to know is do I enclose the spread sheet of charges or just keep that back in the event it goes to court?

Update on my claim spoke to various people today about my claim then at 5.30pm tonight a lady rang offering me 6 months worth of charges she couldn't tell me how much as the department had closed but it would be the six months that I incured most charges. Told her I was starting court claim tomorrow. Tried to save them the 8% interest roll on tomorrow.

How far did you have to take it before they paid up did you actually file for a court case. Well done by the way stories like yours keep us all going.

dont know if this helps but what we have done is opened a new bank account before any action transfer the main supply of our income,our overdraft is not as much as yours but if they do close or suspend your account your income should not be affected and if you do have to pay your overdraft back sooner and what you think you are covered,but dont close your account if they decide to compensate your charges they are most likely to credit your account hope this helps

Exactly what happen to me I was paying blair oliver and scott ten pounds a month then when we remortgaged early last year I paid them off wish I hadn't now they have now refused to pay me any back saying there was no error on their part so the letter before action goes off today giving them fourteen days and then court. They owe me £1660 and most off that was added just before defaulting my account similar story to you.

Thanks for the reply

re previous post has anyone else had this reply off the halifax is it worth persuing the claim could they be right or scare mongering?

Do you send the spreadsheet and letter before action together.

Got this letter today: Dear Mrs I refer to the above numbered account and recent correspondence regarding the charges incurred on your account. I advise that under the Terms and Conditions of the account, Halifax can levy charges when there are insufficient funds in the account to cover items, which are presented for payment. We trust customers understand these terms and conditions when entering into this legal binding contract with us. Please find enclosed a copy of our bank account terms and conditions for your reference. Unfortunately, I am unable to refund any charges on this occasion, as there has been no error on the part of the halifax. If you require any further assistance please call 08457203040. What I need to know now is they had till the fifteenth to respond to prelim letter do I now send the LBA even though its not the fifteenth yet. I know you are really busy now but would appreciate any advice thanks.

Got all information back from halifax for both accounts have sent both preli letters the only problem I have is they have sent original statements for one account and I have no information why I was charged failed D/D OVD bounced cheque etc do I need this info if it goes to court.

I had an e-mail from paypal saying they had sent a payment of £400 dollars in exchange for a watch which was being mailed to america which I hadn't purchased. It then said if the payment was not authorised to click on link this link took me to a page asking name address and bank details including ATM pin code luckly I realise this was a [problem] but other people might not stop to think before filling all these details in.

No problem thanks anyway have sent prelim letter on guaranteed next day delivery so heres hoping fingers crossed.

Can anyone tell me I have just been looking through the mounds of paperwork the halifax have sent they dont make it easy do they what I need to know is do I add all the DNT1 charges on as well or are they connected to my authorised overdraft it is all so complicated.

Of course goes without saying

Ok thanks will start the ball rolling on this one it might take ages to get the others.

If it goes to court will I have to pay to lots of fees if it is two claims that is why I need to know if it is better to wait or do it all together.

Hi I recieved statements for one account last week free of charge and got a letter today asking for £5 for statements for second account so what I need to know is will it be better to wait and claim all the money for both together or start the ball rolling on the first account as they owe me over £1500 on that one alone.

also here at blackpool writes all my letters to must be exhausted

sorry

DPA LETTERS SENT FOR TWO HALIFAX ACOUNTS TODAY THIS IS GREAT SITE. LET YOU KNOW HOW I GET ON.