just to let u all know, i recently won my case with
Halifax
. They held out until the court date was about to take place, sent me some standard letter about not admitting any liability etc. but paying out as a goodwil gesture and because it costs them more to defend the case.
Either way they paid the full £2950 (charges plus
interest
into me account before I had even received the letter notifying me of this!!!)
Student loan and credit cards paid off!!!
I'm going to approach credit card companies now....