Spoke to Brad Sedge. Who told me I have to wait 8 weeks until I get an offer (which I knew anyway!) Thats not to my time scales so he gonna message the relevent department and tell them I would like contact by the end of the day otherwise tomorrow morning I will be starting legal proceedings. Brad told me that I have no chance of them contacting me today, worth a try tho ! Will chase them again later,watch this space.....................

hey guys I successfully claimed against Halifax and have started against Natwest. no reply to prelim letter or lba so am gonna start court procedings. I got to this stage with Halifax but I phoned them and when I told them I was about to file they made an offer and paid out in full (over 4 grand!) Does anyone know of a number that I could phone to try Natwest with this tactic? Would be grateful of any help;) xx

got the whole lot back!!!!!!!!!!!!!!!!!!!! wow!!!!!!!!! went into my account on thursday!!!!!!!!!!!! I will be making a donation xx Thank you sooo much everyone that has helped me xxxxxxx :p If I can be of any help to others Im here ! xx

got the letter sending it straight back!!!! xxxxxxxx

well..... no letter arrived! i phoned the halifax this morning first thing.Spoke to a girl who said the letter was an offer for £3980 my claim was for £4216. So she gave me the number of the woman that sent the letter Margaret Mcquire.She was unavailable so spoke to Richard Dewhurst and expalined to him that that was not good enough and that if the rest(£228)was not offered I would be filling against them on Monday.He was very nice and said he didn't want it to get to that.I then explained that if they don't offer the full amount they will have to pay interest plus court costs plus the 228. He told me he would phone me back at 3pm. He didn't! So... I phoned back again and spoke to a lady called Tracey Jones who has agreed to pay the full amount! All I need to do is ammend the form that was sent yesturday that should arrive tommorrow ,send it off and the full amount will be in my account within 14 days! What do you lot think? I am not counting my chickens till it goes into my account. xxxxxxxxxxxxxxx

Strange... This afternoon I receieved two phonecalls from the halifax. 1st to my dads house which i havent lived in for 3years.The halifax are so stupid and do not seem to update their records.argh.He told them to try my mob. I then got a voicemail from Margaret at the halifax.Very mumbled message saying that she was sorry she didnt get to speak to me but will be sending it in the post today! What the hell is 'it'?? I have noooo idea so lets see wot the postie brings in the morning. Bet its gonna be horrid.xx

Jaynekul I just had to phone them today even tho you said it wasnt worth it but i just wanted them to know i meant business! They said they were very busy i told them they could save themselves 8% interest if they sorted it out before we went to court they said a letter was being sent to me on the 26th feb.I told them that wasnt good enough for me and that on monday morning I will be filling a claim a against them.They said ok. Im not really that bothered as my interest will be another £300 or so.Would be easier to not go to the courts but as i can see from reading all the posts the banks are not making it easy. Therefore the woman said she will put on my notes that I will be filling against them if I do not hear anything by monday!!Looks like tonight will be me sorting out the interest and filling in the ni form that i have downloaded. Would it be aprob if I ave any more questions to ask. I have read so many threads yet i still feel that i have no idea what to do or expect from the whole court process.Arghh xxxxx

ah thanks jaynekul. nearest one i think is bromley??? i cant believe i havent heard a thing from them.quite tempted to phone them up just to let them know i mean business! thought i would have got a letter acknowledging my lba which runs out on fri tho ! x

Well still no news . So what do we all think mcol or local court???? xxx

gonna do money claim online ,less hassle x

well I sent off the LBA on Saturday 10th Feb. No news at all so will sit and wait. If I do not hear anything by tuesday of next week I will start to sort the court stuff out. Is this correct? x

Me again! Should I post the letter to Halifax Trinity Road or the office that sent me the bog standard reply to the prelim letter? Which is Customer Relations PO Box 548 Leeds LS1 1WU X

You lot are soooooo helpful I cant thank you all enough!! XXXXXXXXXXXXXXXX

thank you to you both xx

LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: xx ACCOUNT NUMBER: xx I am very disappointed that you have failed to respond to my letter of the 25th January 2007. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken xxxxx from Account xxxx plus xxx from Account xxxx. Total xxxx. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 25th January 2007. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice. Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department. Yours faithfully, Does this look ok? Two questions woulds be great if you could answer them before I send this off tomorrow... 1.I think I only calculate interest when I take them to court is that correct? 2.I have two charges that will be coming out at the end of the month do I wait for them to come out before I add them to to my charges? Many thanks xx .