A judge recently transferred my claim against the Halifaxto the Mercantile Court, London. Meanwhile the Halifax has continued charging me penalty fees, to the sum of over £1000.
Would I be more likely to reach a swift settlement if I amend my existing claim to include unlawful penalty charges added since I issued my claim? Or is it better to issue a fresh claim? I am aware of the £35 fee for amending an existing claim but the sooner I get the money the better.
Also, the delay in the Halifax's refunding my money has led me to incur a default on a mortgagepayment. I simply have not had the money to pay my monthly installments, but would have done without these punitive bank charges. How best do I deal with this?
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