The money has now hit the bank, so how do i stop the money claim case..? Do i just let it sit there and do nothing, or do i have to cancel it?

A nice suprise this morning!! On the doormat was a letter from our pals at the Halifax, telling me that it would be too expensive to contest my claim, so they had taken a commercial descision to pay it!. In all over £3350..inc court fees. The letter said it would be in my account within 5 working days from the date of the letter which was the 9th.. Now i have to start again for the charges before this claim, and during the last month.. Also going to do the same for my son, who has been hammered by the Abbey.. Thanks to everyone for the help, couldnt have done it without you all, and good luck with your cases!! Keith.

Must have been lots of other folk in this position, where the 28 days to file a defence has expired, and I could file a default judjement claim.. What did you do, and what happened?

Thats very helpful..thank you Chloe.. So you advise doing nothing just yet.. can i ask.. how long should i wait for them to possibly file a defence until i ask for judgement?

If you could please let me know where the 28 days grace for a defence starts from... it would really be appreciated, and the 28 days from the day i filed the court papers online... are up today.. should i now file for a decision or wait a bit? anyone please?

Hi, still nothing from the Halifax. The claim date was the 12th march, but on the court site it says 28 days from date of notification?.. does that mean 28 days from the 12th march or 28 days from the date the Halifax was notified of the claim? Time is just about up either way.. In fact I have just realised that 28 days from the 12th is today!! If there is no defence submitted now, can i now apply for a default judgement? or should i leave it for a day or two? Would really appreciate a reply on this, as i don't want to muck anything up at this late stage, and I really don't want to give the halifax any more time that i absolutely need to to post a defence!! Thank you..

Hi, Nothing as yet.. no communication from them at all. Got another week or so to sort it or it will end up in court.. any word on yours yet?

Hi, Sorry..no good news yet. nothing in the bank, and nothing from anyone at the Halifax either.. still they have until the 12th to submit a defence i believe.. 28 days from claim.. so we'll see eh.. Any word on yours yet?

Thanks... good luck with yours as well.... I think there is a hell of a long queue.. and we are somewhere in the middle of it... Lots before us, showing us the way forward, and loads following on behind... Thats the beauty of forums like this, the combined knowledge makes us hard to beat...

Thank you Sea-Sidelady.. you are a star, very helpful.. thanks Will let you know what happens now..

Hi, received notification this morning that the Halifax have replied to the court ststing that they intend to dispute all the amount claimed.. and saying that they have 28 days from the date of initial case submission to put that defense in to the court. Any one know what is likely to happen now? Thanks..

Hi, i used the simple one.. was ok for my needs..

Just looked on the Claim Online site.. and the halifax have acknowledged the claim. What does that mean? I understand that they now have 28 days to defend it.. is that right?

Thanks for that.. its appreciated.. Still a long way to go then it seems? What sort of percentage of cases actually end up being defended by the banks in court? and conversly ..what sort of % of cases do the banks pay out on before judgement can be obtained?

Well thats one weeks gone and no response to my court action yet.. am i correct in thinking that if they don't reply in 14 days then I can file for judgement against them?

PayPal is no different to any other online transaction dealer.. We use Paypal for ebay and a major high street banks organisation for card payments on line and over the phone. There is NO guarantee with any of them that there will not be a chargeback for the transaction. At least with PayPal, if you only send items to the registered and verified address and keep proof of postage you are covered for fraud up to a certain level that i can't remember right now. With the other online card companies there is no guarantee at all. they are all much of the same..

We deal on eBay a lot. Most decent suppliers on there will arrange to collect a faulty item. Some smaller firms though , you have to realise, deal through the post office and have no facility to collect goods, and so expect the buyer to return faulty goods to them, and then they will refund the postage. Normal time limit for refunds due to faulty goods on arrival is a maximum of two weeks to return the goods..... If it's been several months... Sorry but I think you are fighting an uphill battle. Too late now, but you could have claimed a refund from Paypal.

Put the claim in online tonight, and got the schedule of charges ready to send to Nottingham tomorrow, and a copy of the latest schedule for our mates at the Hally...

Looks like I need to learn to read properly.. Figured it out now.. thanks anyway.. One more point though.. when I send the papers to Nottingham and the template says the total amount of the claim including charges.. do i need to add in the £120 court fee here also? Thanks for any help, Keith

Just in the process of submitting my Moneyclaim Online, as per the templates etc.. and am a bit stumped. In the template kindly supplied for completion of the form online.. there is a line that reads: Interest per S.69 County Courts Act 1984 of 8% - £_ _ _ and a space for the total interest claimed..presumably from the start of the charges claimed back. But under the template is a big notice not to put a figure in here? Confused now, do i put the figure as per the template, or do i leave it out to be presumably calculated later by the court? Could really do with a quick answer on this please, as my claim is on hold until i know what to put.. Forgive me putting a new thread for this, couldnt change the title in the old thread.. Thanks a lot Keith

Thanks Chris for the advice. Thought it was worth a try also. That was a total waste of time... kept on hold for nearly 30 minutes, only to be told that they definately had 8 weeks to reply, and there was a large backlog of claims, and they were taking them in strict order. they would possibly make an offer, but i would have to wait my turn as it would be unfair to others to deal with my claim before those that had waited the 8 weeks. Explained to the lady, that i had waited 16 days(allowed 2 for bank holiday), and had sent them a letter to say 14 days before i submit it to the court and that was time up today, and was basically told, go ahead, as there was nothing that she could do. So looks like i will send it to the court tonight.. wish me luck...

Hi, Tomorrow is Court filing day.. 14 days plus 2 for postage etc. Is it a good idea to ring the Customer services person who sent me the 8 weeks letter before i do that to give them a chance to settle? Or is it better to just go ahead and file at court without further contact?. At least that way it gets 8% added eh?!! Any advice would be welcome. Thanks

Thats great, thank you for that.. One other thing though.. what happens if they actually decide to settle before court?.. do i insist on the extra amount being added, and has that worked for anyone else before me, as it must have happened before?

Just received the March statement from the Halifax and they have charged us another £240 in charges last month!!We were just over the limit, and now are £250 over it!! Can i just add them to the claim, and send them a revised claim now? Also if i do that does the original 14 days from the LBA to my filing court action stay the same, as i send that off about 8 days ago, or does it need to be extended at all? Sorry to have ever more questions, and thanks for the help.

Nice one mate.. well done..