Thanks Tilly. I phoned the court to make sure of the date and it is the 29 August. However, they said I may not receive an allocation questionnaire/my case may be affected whilst the High Court case: "OFT vs Banks" is still in being decided upon!? I think I am safe because my claim is for credit card charges not overdraft fees, (but I'm not sure how many people are aware of this too?!?) Regarding my worries about POCs: I think my arguments will still stand even though I used a different POC because it all concerns the same thing. The one I used was just written by a different person. I'll just need to make sure, I understand how my argument will be delivered!

I filed my N1 into the courts and used a random particulars of claim that I found on this site that looked a little more robust than the simple one that was linked to via the step-by-step instructions. I can't find the exact copy I used but I think it was written by a solicitor for a Lloyds TSB Client and she posted it up! It had all the relevant information in and I changed it to suit my particular case. However, I have just noticed that there is an actual Halifax POC that I should have used. Halifax have acknowledged my claim and are intending to defend it in full. It says on my original Notice of Issue that the claim was deemed to be served on the 01 August 2007 and the Acknowledgement of Service was filed on 06 August 2007. I am unsure when Halifax have until to file their defence and when I should send any evidence (like the CDs of the interview with Peter McNamarra) I am unsure if my POC is now flawed cause I did not choose the right one/whether I will be able to use the Halifax POC in support of my argument... Anyone with some words of reassurement please? Many thanks in advance!

Hi guys. Long time no post. I received £900 for both my bank accounts.... which went on paying some debt I had accumulated in the last four years! But the credit card people have refused to budge on their £400 offer, so I have now filed my court claim. In total (with interest added) it amounted to £999.53 so my court fees were £80.00 but only just!!! Sorry I haven't been keeping you all informed, I have had a few personal issues to deal with... Today I received a Notice of Issue from the court stating that: But I also received a Notice that Acknowledgement of Service Has Been Filed document also, stating: My interpretation of this is that I am to now wait until the 28 August to hear from Halifax with their defence and if I have not heard from them, send the Request for Judgement (which came with the Issue of Notice) back to the court. I am not sure if I am entirely correct but I would be very grateful for any advice, pointers to parts of the forum that might help me prepare for an impending court case and/or views on what I should do next. Thank you once again.

send a copy of the N1 claim form to Halifax and tell them that "I am about to file the court claim, pay me now, or I will file it immediately?!?!?" Basically....the deadline day for pursuing court action was today but I don't have the £120 to pay the court fees. Is the above idea any good, I have tlready told them that I would pursue a court claim without further notice, so am I just going to have to wait? It's a little frustrating because they have already offered me around 66 % of my total claim and I have declined...I want the full amount NOW:mad:!!! My friend thinks I should phone them up and negotiate a deal - I'm not totally sure about that particular suggestion? What are people's thoughts? I don't get paid until the end of the month:(.

Hi DS. Thanks for the advice - unfortunately, the contracts that they sent out had "Full and Final Settlement" written on top of them, so I [foolishly?] sent them back ripped in half, to reinforce the fact that I did not accept their offer...should I have drawn up my own contracts or something? They had not already paid me into my account, so I thought this was the best thing to do!!!! Have I f*cked up a little?

Hello lovely people at CAG! I haven't been on this site for a while but TODAY IS THE DEADLINE for when I'm meant to issue my County Court claim! I received a letter from Halifax referring to my Bank Accounts offering £784.00. For both of these accounts I'm owed a total of £979.70 so that's the offer was around 80 % the full amount. I came close to accepting but realised the deadline was one day away. For the Credit Card, I was offered £400 instead of 810.15, which was totally unacceptable. So in total the offer I was given was around 66 % of what I was asking for - in my opinion that's a pisstake! Anways...I just had to wait and then I would be able claim the 8 % too! So TODAY, the deadline has finally arrived. I have sent back the most recent offer with a rejection letter, telling them that I am now pursuing a County Court claim. Unfortunately, I currently do not have the £120 I need to make my new claim of £2118.05!!!!!!!!! This would be for all 3 accounts I hold with Halifax (including interest and the 8 % on top of everything). Feeling very frustrated! I guess I'm just going to have to wait (or ask a trusting friend for a favour)!!!!

Thanks flirty. Havin had a bit more of a read and lookin through the A-Z Index (link in my signature), I have found a rejection letter and altered it a little and will send it back to Chris Munday at Card Services in the FREEPOST envelope provided (even though my claim is actually against Halifax plc) and claim back the £810.15 separately. I have to send it tomorrow (from work) because I don't have a printer at home! Template rejection letters can be found here! I ended up sending their contract back to them in "an appropriate state as to emphasise my non-acceptance of their offer" - ie ripped in half!!! How much do you think you will be claiming back? I wish you luck in your claim (re)quest flirty. I'll be glad to be of any assistance to you as your case progresses. I would also suggest going the contractual rate route if you really want to f*ck them over good style.

Yesterday I received a reply in reference to my Credit Card, so that's claims for all three accounts now underway. They offered me £400 - I have charges amounting to £800 and calculated interest of £10.15 - so that's about 1/2 way. This is unacceptable. A copy of the letter is below: I'm wondering if there was some sort of standard refusal letter - there's an acceptance form with the letter which I'm unsure whether to sign. It is entitled "In Full and Final Settlement" I accept £400... - I don't want to send this off because that would confirm it is all done! Another funny thing - I only have a £500 limit on my credit card and they owe me £800 - what happens when my credit card is £300 in credit :grin:?

After 9 days wait, I've finally received a reply from Halifax but something tells me they didn't actually read my last letter: I'm just wondering where to go from here, I have given them my terms already - pay back my charges in 14 days or I'm taking court action! I can see this is a stalling letter so is it still advisable to stick to my actions - ie sending out the LBA on 28 February (5 days time)? Or... They mention that they received the letter on 19th February 2007 - does that mean I add on 5 days? Or.... Do I have to just wait for them to respond under their "Financial Services Authority" regulation 8 weeks...(fat chance!!! ) Also, I can see that this letter only refers to my two bank accounts NOT my Credit Card so I can probably expect a similar letter from them in a few days. If it is advisable to send my LBA exactly on the date said, then I suppose I will have to keep to my original claim (this is what I'm going to do anyway, but If anyone knows of any reasons why I should not do this, then I would be very grateful to know the reasons). Thanks for any help on this matter!

I've decided to fob off the contractual interest claim simply because I don't really have time to waste and I have been sat with my statements for a while now. I may pursue it with my other accounts. I ended up sending a combined claim for all my accounts and adjusting my Prelim letter appropriately - I also included a few phrases from the BBC news website's template letters. Bit peeved that I didn't take them on at a contractual rate but I'll be happy if I get all this back - keep you posted.

Great Lucid, Thanks for the update - I'll keep my eyes peeled! Gez

Ahhh Westy . I'll give you a shout next time! Well, I'm not religious but I'm praying to be successful in my struggle to get my money back! And with this spreadsheet business tying my (as well as everyone else's) head in knots...I'm glad to have the Spreadsheet King on myside in doing so:-D!

Cheers for the help Lucid - sorry if I come come across patronising (not my intention)... I understand this - that's why I have used Vampiress' advanced credit card spreadsheet. Correct me if i'm wrong but I think I'm lucky because I have never done any balance transfers nor have i used my credit card to withdraw cash, all my transactions have purely been purchases! therefore all the interest I've previously paid is a result of all the purchases (and charges) so mine should therefore be a little easier to work out (I think!). I also know this, I was going through the steps that would ned to be done to change her spready to one that calculates compound interest at the contractual rate (hope this makes sense). So that was just the first step (acknowledging the contractual rate). The following steps were my attempt to factor in a compounded rate - would that be the way I would do it. Heads are probably getting confused now, so I guess I'll try and make the amendments and see if anyone is willing to check my spready.

Hello all, Yo bill, who's Westy? I ended up drinkin all his pints too...once i realised he wasn't coming:). By the way, Gezuwit stems from my name - Gerard/Gez (so the G's soft). Thank's Mindzai for the offer, I'll PM u immediately! I haven't actually started off my thread yet, I'll start one off though. It just seems like my queries are mainly related to this contractual interest business! So...Natwest, havin a look at your thread I couldn't really work out how to go about making Vampiress' spreadsheet compound the interest (sorry for being a dumb-ass!!) I've also seen in other threads that Vamp has already made a compound contractual interest spreadsheet (but I can't seem to find that - or maybe I'm just being thick). I understand that Mindzai's spready compounds the interest and allows you to enter the contractual interest rate - excellent! But so far I've understood this to be only valid for bank accounts - NOT credit cards. Out of curiosity - could anyone explain why there is this discrepancy between credit cards and bank accounts? At the moment..I'm using Vampiress's spready for my Credit Card, if you were to make that a compounded contractual interest spready - you would change the 8 % value to the contractual interest rate - right? Now...to make it compounded you should just apply the interest rate formula to the cumulative charge total + any interest that's added on as it accumulates - is that right? Apologies if I'm still postin this in the wrong forum, I will post my next one my own thread - Gezuwit vs Halifax (compound contractual interest claim)! Cheers.

Hello. I am currently at the Prelim letter stage after receiving all my statements, but i'm wanting to claim back all my charges along with any interest that the bank has earned off my money and I am going to apply contractual interst on all of this. My previous posts related to this have been on this thread: Why is no one claiming the contractual rate of interest???. I have three accounts - 2 bank accounts and one credit card and they are all with Halifax. So I will hopefully get my own back in due course! Any help, opinions or advice is welcomed!:grin: