Hi All, Just checked my halifax creditcard online, they have reduced my credit limit, even though i had paid a very large sum of it off. i phoned card services this lunchtime and they are telling me its because of another account i have with the halifax (my current account i have filed on money claim), its because it is over its overdraft limit, because of all the unlawful charges. They say they have sent me a letter notifying me of this, and i should get it in a couple of days. Can they do this before i have even received the letter? Help.

Received reply yesterday, Stating that they have been passed this case to them, and they will look into it within the next 8 weeks. Do i ignore this and go ahead with the court action when the 14 days are up? Thanks

Hi Everyone, Can anyone help me with the Halifax credit card, i have sent away the prelim letter, received a reply basically saying no way, to refunding you. Sent LBA after 14 days, yesterday received what looked like exactly the same letter as the last one, but a different signature? Can i still go ahead with the court? When the 14 days are up Help Me, Please Thanks

Hi Everyone, Have submitted my claim today, claim ref: 6QZ33308 Just waiting for that cheque to drop on my doorstep now. Halifax Current Acc - £2553 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action 19/05/2006 - !! Payday !! - Court action begins!!! 23/05/2006 - Claim Submitted for £2925.44 Nationwide Flex Acc - £654 27/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent

Howdy Partner, Lets keep giving these banks hell!!! --------------------------------------------------------- Halifax Current Acc - £2525 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action 19/05/2006 - !! PAYDAY !! - Court Action will begin! Nationwide Flex Acc - £654 27/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent

Update Sent LBA this weekend 13/05/06. Should shake things up a bit. And as usual more charges taken out. Halifax Current Acc - £2525 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action 19/05/2006 - !! PAYDAY !! - Court Action will begin! Nationwide Flex Acc - £654 27/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent

Only another update Sent LBA for my nationwide account and my credit card, after receiving letters from both saying, blah blah blah yes you agreed and signed the original agreement about charges blah blah blah. we are unable to give you a refund of these charges, blah blah blah. so i ignored these and just fired off the LBA letters Also, when i file my claim, how would i get the banks to remove the defaults that were caused by these charges? Thanks Halifax Current Acc - £2558 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action 19/05/2006 - !! Payday !! - Court action begins!!! Nationwide Flex Acc - £654 27/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent 13/05/2006 - LBA Sent

Thanks for that --------------------------- Halifax Current Acc - £2558 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action Nationwide Flex Acc - £654 27/04/2006 - Prelim Letter Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent

Hi All, Just an update. I have a slight problem, the deadline for the LBA was the 6th May, i now have had charges on my credit card taken out, and now i don't have the money to enter my money claim, how long could i leave it? or would halifax get suspicious, thinking i have given up? It's a pain in the backside. ------------------------------ Halifax Current Acc - £2558 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action Nationwide Flex Acc - £634 27/04/2006 - Prelim Letter Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent

Hi, Help needed, i still can't hget my head round this money claim thing. i have no idea what to write, apart from what is on the library the bit about hard copy of particulars. i'm a bit stumped. Please can someone help. (copy of their claim, or assistance with mine) Thanks

Hi C&S, Don't want to sound stupid, but i can't find it in the library. Please help I think i have gone blind, or maybe i am just stupid. Thanks

Hi All, As the deadline is approaching fast, before i file my claim, what do i put on the claim, i have read the posts about filing a claim, but i'm a bit stuck? I have the basics ready, which is from the forms forum, about the hard copy of the n1 form. but i'm baffled! I want to add abit about the defaults (or would it be a waste of time) to be removed. What have other people written in their claim. PLEASE HELP ME!! ---------------------------------------------------------------------------------------------- Halifax Current Acc - £2558 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action Nationwide Flex Acc - £634 27/04/2006 - Prelim Letter Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent

It took me a while to get into the swing of things, but i am now going all guns blazing, not going to back down not in a million years UPDATE More charges added to my account again. another £28. ___________________________________________________ Halifax Current Acc - £2553 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action Nationwide Flex Acc - £634 27/04/2006 - Prelim Letter Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent

Here is my reply letter, please can you tell me if this looks ok. As i am a bit wary of the last paragraph. Thanks Halifax plc PO Box 548 Leeds LS1 1WU 29 April 2006 LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: XXXXXXXX Sort Code: XX-XX-XX Roll No. D/XXXXXXXX- X Thank-you for your letter dated 27th April 2006 (Your Ref: XXXXXXXX). However, whilst I appreciate your swift reply your offer to partially refund the amount owed is unsatisfactory. As stated in my previous letter (I have attached a copy of this), I calculate that you have taken £2525.00 since I opened my account with you, and I require that the full sum plus interest owed should be refunded forthwith. If you do not comply fully within the 14 days, then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. For a reminder and your reference the 14 Days I have given you to respond within before court action proceeds ends on the 06 May 2006. Yours faithfully, Mr Peter A Beale

UPDATE!!! 28/04/2004 Received letter from halifax this morning, giving all the usual crap about how they incur costs for every item and transaction, yada yada yada Goodwill Gesture of - £531 for full and final settlement Signed by Wait for it Yes you've guessed Richard Aitken I'll tell you what, i ain't takin' no prisoners, i'm in this for the long haul. I WANT MY MONEY BACK!!!!!! In the last couple of days i have also sent off letters to Nationwide and my halifax credit card. Cant wait for their responses. ------------------------------------------------ Halifax Current Acc - £2525 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action Nationwide Flex Acc - £634 27/04/2006 - Prelim Letter Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent

Hi All, Sent my request for refund to my bank today- 27/4/06, sent it first class recorded, so they can't deny not receiving it! Nationwide have taken £640 in charges in just under 2 years from me, and i want it back!!! Will Keep you all updated of my progress ______________________________________________ Halifax Current Acc - £2525 08/04/2006 - Prelim Letter Sent 22/04/2006 - LBA Sent 28/04/2006 - Gesture of goodwill £531 06/05/2006 - Deadline before court action Nationwide Flex Acc - £634 27/04/2006 - Prelim Letter Sent Halifac Credit Card - £345 28/04/2006 - Prelim Letter Sent

Hi All, Just sorting out the DPA letter for my wife, can't wait to see how much in charges she has had over 6 years, she is also an ex-bankrupt because of alot of the charges. Update soon.

Hi All, Just had a thought, as my account is overdrawn by several hundred pounds, most of this is accumulated charges, (when i say most i mean all). when i file my claim and if (big if) they refund my money to the full amount, would they have to zero my account then put my money in or would i have to pay that overdrawn amount? "To succeed in winning the battle, stay positive, visualise the outcome, and never give in to negativity":smile: As for me i am visualising i have won and i have my money, and not even thinking negatively.

Theres nothing poor about them, they have all our money!! Bunch of (edit) rascals Ha Ha

Hi Everyone, Another update. Received letter from Customer services, everyone knows the one - the automated typed signature default reply letter. This is the reply i received. "Dear Mr Beale Thank you for you letter dated 11 April 2006 requesting information on your account for the last 6 years. Copies of bank statements can be provided with this information on. there is a £5 charge for this service." BLah Blah Blah Usual crap below this. Signed CareyAnn McEwan I have just a few point to say before i send my LBA. I have not had my account for 6 years I never asked for copies of my bank statements I sent the prelim letter not the DPA In th 14 days waiting for this reply i have had even more charges added to my account, which now pushes charges up to £2525.00 More info soon.

Hi All, Just an upate really, still not heard nothing since sending off prelim letter, and receiving the automatic reply letter, 14 days is nearly up (this saturday coming). Already have LBA ready to go. Will enjoy sending this one off! For once in my life i feel good about screwing a bank for money, instead of the bank making me feel bad and screwing me. Ta

Hi Got no intention of replying, just going to wait for the 14 day period to expire. While I'm waiting i'll be writing the LBA, give them a very big shock Ha Ha. I'm not going to back down on this one - I Want my money back!!!!!!!!!!!

Hi Thanks for that, no i did not own a fruit and veg stall, i have been around at least 3-4 years previous to him appearing. Joke that is wearing a bit thin now. I have received a letter from my local branch this morning, saying thank you for my letter received 11th april, blah blah blah. it has been forwarded to our dedicated department regarding this issue at customer relations. The best of it, is that the letter has a date on it of 9th February 2006, also says about my request to have my charges repaid within 28 days, even though my preliminary letter stated 14 days, and it printed wonky on shoddy quality A4 paper. Only good thing was that it was manually signed, with a blue biro. Oh, yes i did get the cheap leaflet about "personal customer complaints" Thanks

Hi, Sent my request for refund to my bank this weekend - 8/4/06, sent it first class recorded, so they can't deny not receiving it! (unless royal mail keep up their record). Halifax have taken just under £2500 in charges in just over 3 years from me, can't wait to see if the legal system actually works? Peter