We won! Checked bank balance yesterday and the money has turned up! Yay! Suppose we'd better cancel the moneyclaim now! Of note, we have just received notification that we are to be charged a further 60 pounds for 2 items that there was no funds for and then a 28 pound charge for going over the OD limit. My other half gave the Halifax a ring to ask if they'd reverse them, mentioning that they'd paid us back 1900 pounds that day so charges were obviously unfair etc - lady went away to talk to manager about doing it.... and.... if you claim back your charges you have a flag put on your account (A difficult customer flag I suppose) and the usual staff are not allowed to deal with you! You can only deal with the Customer Relations dept! We will be opening a parachute account before going after these charges - may leave them a while!

Still no money! We have however received another letter from the Halifax saying that they are charging us 30 quid for going over our overdraft limit!

I am so rubbish at waiting. Any guesses on how long they'll take to give me the money?

I've used MCOL twice now - what sort of assistance are you after? I must admit though that I added up my two figures wrong on my most recent one so I'm not perfect (dreadful at maths!) MCOL is quite self explanatory tbh. Post up the bits you need help with

Thanks Tezviper and Aardvark for the support Halifax acknowledged the claim today and so now have a further 28 days to reply.

I didn't end up amending it in the end - the figures in the main body of the text are correct after all. Claim has now been issued by MCOL and so am waiting for the Halifax to acknowledge it.

Good luck! Law is still the same so don't see any reason why you shouldn't get the money from the next claim back.

Do you think it's necessary for 50p - will the fact that my figures don't quite add up go against me? (It's 50p lower than i was after rather than higher) Am I able to amend online or do I need to give Moneyclaim a call?

Oops - have just noticed that I have entered an incorrect total in the amount claimed box by 50 pence - this shouldn't matter too much should it? No idea how that happened!

Submitted the MCOL this morning

Cool, thanks for letting me know - I will persue that one separately

Bah, still no further response and the 40 days is well and truly up now. What should I do next? Should I assume the charges will be similar on all 3 accounts and multiply my figure from the 1 set of data I was sent by 3 and challenge them to prove me wrong? Or do I now need to push for compliance through the courts etc? Humph!

Last time I used moneyclaim I used the following: Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =The interest in the 8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount of charges claimed x 0.00022). Is this still ok to use? The version in the templates library is slightly different I'm so excited about submitting this moneyclaim - I absolutely cannot wait to get the money and have my lovely engagement ring! (Well, that and fix the dent in the car)

Thanks Hillards

Just to confirm (submitting MCOL on Tues) in the "amount claimed" box it's the bank charges plus the 8% interest figure? So final total is that + the court fees?