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I checked my bank account this morning to see if my wages had gone in and nearly had a heart attack, I thought I had the wrong account!. They said they were going to defend the case fully but paid up with 13 days to go. I haven't had a letter explaining their reason yet. I would like to thank everyone for their help and advice on this marvelous site and would advise anyone to stick it out, (my bottle started to go until I paid £80 fee to the court, and then nothing would have stopped me). Everyone I see I tell about this site, and now that I've won my money back (£776) they're all starting. Good luck to you all.

Hi, everybody, I had a phone call in work on the 10th april with a nice lady asking me if I could speak to her, I said no as I was in the office. The next day I received a letter with an offer of £90.00 in full settlement if I signed the yaadaa yaadaa. I sent them a fax saying no, I want the full amount £696.00, didn't get anywhere so filed a claim today which cost me £80.00 (hope it doesn't make me go overdrawn), now I'm praying that I get it back. Will let you know how I get on.

Congratulations Book Worm! well done! my claim goes in on the 18th after refusing their offer of £90.00 (they owe me nearly £700.00)

Letter before action sent today (recorded), they have until the 15th April and then if they haven't paid me the money they owe me I will file a claim against them.

O.K. I will send them another letter and then file a claim, thanks for your help, much appreciated!

Thanks but in my haste I sent the LBA letter first and then saw the other letter, doh! (any ideas) help!!!!!

I received a letter from the Halifax customer complaints yesterday (29th march), as follows: Thank you for your recent letter. I was sorry to learn that you are unhappy with the service provided by the Halifax. We are keen to deal with your concerns and are currently investigating your complaint regarding the charges debited to your account. You will receive our full response shortly. You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint. Your concerns will be dealt with as quickly as possible, but if you need to speak to us in the meantime, please telephone us on 0141 204 6451. Yours sincerely Kathleen Power Customer Services Can anyone advise me on what to do now, do I wait for a reply or do I file a claim against them like I said in my letter to them (having not received my money back within 14 days).

Thanks, can't wait!

Hi, I phoned the Halifax last thursday asking for last six years statements, the guy said there would be a charge of £5.00. I told my daughter who phoned the same number, and she had hers for nothing! (gutted), anyway they arrived monday in 37 envelopes. I used the spread sheet to work out the interest and have sent a letter (recorded) today requesting payment in full, total £692.46. People in the office where I work think that I've got no chance, and starting to make me doubt myself, but hey S.O.B. Will let you know how I get on.