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Have completed the survey but this pooter at home won't let me make a donation. It doesn't like the Paypal link for some reason so you'll have to hold on til Monday when I'm back in the office.

Arghhhh....bleddy home pooter won't allow the "donate" link. Back in work next Monday - can you guys hold out for 5 days so that I can make my donation then? Again - many, many thanks.

They've coughed up....current account AND credit card charges plus interest and costs. About £3,500 in all. :grin: 8-) **rolls up sleeves and eyes Egg, Tesco and Barclays accounts** many, many thanks for all your kind words over these last few weeks. xxx **heads off to donation thread**

Yes...as long as the charges are not more then 6 years old.

You are of course able to instruct a solicitor to represent you at any time. However, if your claim falls below £5,000 you will NOT be able to recoup any solicitors fees if you are successful over and above the fixed costs you can claim IF you have instructed someone. The fixed costs are really a pittance - about £80 or thereabouts. So you could end up spending more on legal fees than your claim is worth. For example my hourly rate for inner Cardiff is currently £163 an hour - as set by the Cardiff County Court. However, it's a double edged sword. As you cannot recoup any legal fees YOU incur neither can the bank recover against you any legal fees they incur should you lose - as long as the claim remains below the smaall claims limit of £5,000. So you can issue proceedings safe in the knowledge that the most you can lose is the issue fee.

This is normal hon. However while they have repaid the charges they have yet to refund the issue fee or the interest (I assume you claimed interest on your charges?) They seem to send a letter out some days later....crappy admin system I expect. If the deadline for filing a Defence had passed then you can apply for judgment for the balance due. Or you can leave it - whatever you decide to do is your choice. Alternatively you can contact them and point out they haven't paid the charges and interest and until they do the claim is still active.

Congratulations Lizzy!! Fingers crossed as I had mine acknowledged on the 25th as well and nothing yet.

Not that the grief is worth it but look at it this way....6 years worth of charges with 8% interest isn't that bad a savings plan eh? I issued 2-3 weeks back so just waiting to see what happens. Knowing my luck I'll be the first to end up in court. Just knowing you can fight back makes such a difference doesn't it?

You might find this interesting hon: From a letter I had from the Halifax dated 17th May 2006 in relation to my current account. "The majority of the transactions on your account are automated and all application of charges is automated. The only manual intervention around charges would be when a refund is made." It's signed by Shirley Clark in Customer Services.

Fingers crossed for you hon. As you know you are not alone. I remember so well the clutch of fear when yet another letter arrived. Never again!!

((hug)) Get cracking straight away hon. Take the initiative. I know it's tough when you've been hammered by them for so long but once you've started it feels really good believe me.

If you read back a couple of posts you'll see I issued proceedings a couple of weeks back. They have filed the AoS as I expected so I am keeping an eye on my account with them to see if anything suddenly arrives. They have until the 21st to file a Defence.

Has anyone had their claim by the Halifax defended to a Hearing since I last caught up with all your tales? Or are they still paying up between filing the Acknowledgment of Service and the Defence? There are frankly too many threads here now for me to plough through them all so see if that's the case.

Both claims acknowledged on 25th and 26th July but nothing more heard as yet. I'm a little ticked right now as I used my Halifax debit card earlier at the PO to pay for mail redirection and it was declined twice - my local PO where I'm known as well. I only used it as my other account is a Solo account as I didn't think the PO accepted Solo - thankfully they do.