Thanks!!! Thats all i asked!!!

how do i change the letters so it referes to credit cards/store cards instead of bank accounts? I have found the template letters bit but seem to be worded more for the bank accounts.....do i still use the same letters? sorry if i sound a bit thick:confused:

I put my claim inonline on sunday and I received a letter yesterday from the courts to say that my claim had been accepted and issued and that the defendant has until the 28th to respond........however after reading a previouse post...i'm a little confused. I read somewhere on this site that i didn't need to send the schedule of charges as if they are needed then the courts will ask for them so i didn't send them. Should I send them now with a letter attatched with my claim ref no and also do i need to send these charges to the bank too (the schedule of cherges including the 8% interest)????? :confused:

Hi...the 7th October is the day I file my claim as had no response to the LBA. I saved the spreadsheet to my pc and have calculated up the 8% interest..... 1) Will this update on a daily basis now so that on saturday it will have an extra 2 days clculations on it? 2) It states to send a letter to the bank again to let them know you have filed a claim with a copy of the schedule of charges....can you advise what letter I send and do I this time send a copy of the schedule of charges including the 8% interest? 3) the online claim form - do i send an attatchment with it like on e-mails so i can attatch my schedule of charges or do i print it all off and send through post? I daren't go into it until saturday incase it wont let you come out of it once you start it - so i'm just getting prepared with possible question and answers for the big day. 4) Last question now i promise!!...... Once the claim has been made with the courts and the Halifax then say they will settle do they have to give the 8% interest too or do I only get that if i have to physically step foot into the court rooms? Thanks for all your help;)

I am claiming for £1407 of charges back.....I received a letter today from the Halifax offering me a whopping £80!!!!!.....WOW!!!!! how generous are they???? Yes please mr Halifax i'll accept that as full and final settlement.....NOT!!!! :lol: Just a quickie question...i'm obviously going to accept but as part settlement and will send that letter saying so but they sent an acceptance form for me to sign....do I sign this but just scribble out where they have typed 'in full and final settlement' and change it to 'in part settlement' or shall i just scrap this form and just send the letter? Thanks everyone on this site....your all so helpfull....its just so exciting.......I HATE the Halifax soooooooo much!!!! Hate is such a strong word to use.......I shall use it again...I HATE the halifax!!!!

My wife and I are both making seperate claims to the Halifax for Bank charges and have both sent off our Prelim letters requesting our money back.....my wife got the usual letter that everyone else seems to be getting saying ' i'm sorry to learn bla bla..... we're keen to deal with your concerns bla bla......a manager will investigate and will receive a reply in no more than 4 weeks'......she has now sent off her LBA. However my letter was different that I received back it is as follows....'Thankyou for you recent enquiry regarding charges incurred on your above numbered account. I regret to advise you that, having fully considered your request, we are unable to make a refund of the charges applied to your bank 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 that customers understand these terms and conditions when entering into this legally binding contract with us. Unfortunatly, I am unable to refund any charges on this occasion, as there has been no error on the part of the Halifax. If you need any more informatio, please contact our customer services team on the above number quoting your roll number. Do I just continue to send my LBA letter in response to this letter? Thanks:confused:

Thank you....I shall give it a go:D

I had a Halifax credit card and feel sure I got charges on that, however I changed it to a different credit card company and closed the halifax credit card account, and since then I have got married and moved house and also I dont have any documentation with the account number or credit card number anywhere!!! Is there any way I can get statements from them if I dont know the account number etc? I do have a bank account with them and so on the bank account it will have records of my maiden name and change of address....will they be able to trace the details? just don't know where to start with this one and if its possible Any suggestions greatly appreciated;)

:-? on the prelim and the LBA letters we give the bank 14 days to respond....is that 14 working days or 14days including sat and sun? Thanks

I've sent the second letter off and am now waiting for the reply. My charges total approx. £650 over the last 6 years. How does this interest thing work and how do I calculate it?

recently had my 4 year old corsa mot'd by Dixon's. Needed some electrics fixed and final bill come to £800 ish. Which was fair enough. When I collected the car I was told the drive shaft need to be done which they could do for approx. £200. I declined the offer. I then spoke to a family friend who was a mechanic as since the mot my car was making a noise as it was drove (Dixons said this was the drive shaft). The friend on hearing the description of the noise, said it was more likely to be the cv joint and he would take a look at some point. He looked over the car in his garage and removed all the wheeld and said there was nothing wrong with the cv joint or drive shaft, but the noise was been made by a loose mud flap and some dents in a brake disc. Well, in short he fixed all this foc. However he did ask how often the car was serviced, to which i replied every year to keep the warranty. He said that the car didn't look like it had ever been serviced and if it had nothing had ever been done with anything t do with the brakes. Has anyone else experienced anything like this? Can I do anything about any of it?

Have you paid the outstanding amount? If you have, suggest giving them a call to discuss. As your near end of contract they may be able give a credit or something as goodwill.