damn it, didn't see them! The date on my final reminder was 14th May, and I gave them 2 weeks, this has obviously expired. Do i re-word the letter to say this, or do i still give them 7 days to respond to my rejection letter?

OK, It's been a while but here is my latest...... 1. i still don't get the interest bit! 2. I couldn't afford to go to the court last month, so i've not done that yet. on the 9th of July the bank offered me £1040.50 (as a good will gesture) I called the bank to refuse this, they told me to leave money in the bank and not touch it (it was due in my account in 14 days). I told them that wasn't acceptable and not to put the money in my bank in the 1st place. The letter was worded in a way that i was accepting there offer if the money went into my account. 18th July, i notice £720.50 had gone into my account. (cash). I called the bank to see if it was them that put it there. They said no. hhmm, i didn't believe them, i think they are trying to catch me out. 19th July. I notice they have paid £320.00 into my other account..Bas****s. I called them again and had a proper go and i'm waiting for someone to get back to me. (someone has been 'getting back to me' for 3 days now). Oh, i have recorded the last 3 conversations with them. I have prove of them lying to me and messing me about. (yes i did tell them i was recording the call) I get paid monday 23rd. Even if i'm skint for the month i'm taking the *&$%>£?'s to court! I just need to look at that interest thing again and get my head round it. I can't afford to mess this up now.

RIGHT! Hopefully this is it, but i think the bit i've marked in red is wrong!! (sorry) 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £1441.00 and any interest charged thereon; b) Court costs (do i put £120 here or leave as is); c) The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from 21/04/04 to 22/06/07 of £161.82 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 35p so far so good? Charges £1602.95 Overdraft Interest £404.60 Interest under s.69 County Courts Act 1984 £161.95 Court Fee £120.00 TOTAL £ 2289.50 You all have the patience of angels! well, unless you've all pulled your hair out already!

ooooh! i had the overdraft and the county courts ones mixed up!! Charges £1602.95 Overdraft Interest £. Interest under s.69 County Courts Act 1984 £161.95 Court Fee £120.00 TOTAL £ xx.xx haha, so i now calculate my 35p a day for the amount of days since my 1st charge?!?!?!? that doesn't sound right! Apologies everyone!

I realise it will ne 35p a day, but i don't know how many days it will take! I Presume i'm looking at this wrong or have completly the wrong end of the stick!

I'm REALLY sorry, but i still don't get the.. Interest under s.69 County Courts Act 1984 £xx.xx Do i put .35p, presume i don't.....aaahh...i'm tooo tired, i can't think!!:?

Thanks

Thank You Tilly, and thanks sea-sidelady

I do have a small (£300) overdraft. But can i ask how you got 31/35p, only ask because i've got another form to fill out for my other acc!!! Anyway, so now my form should look something like this... Charges £1602.95 Overdraft Interest £161.95 Interest under s.69 County Courts Act 1984 £00.35 Court Fee £120.00 TOTAL £ 1722.95 Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.35p per day OR at such rate and for such periods as the court deems just. ???

sorry for being a bit dumb! But [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] = 1441.00+161.95 interest x 0.00022 = 0.352649 Does that look correct? do i round this figure down or put the lot in?

OOps, Sorry Tilly, it wasn't your post. It was Miz print's it's been a long day!

Cheers Tilly. How have you gotten on then? I was reading yours earlier, starting to know what you felt like, not even handed my papers in yet!! I do have 1 question for someone that can answer it.. Nearly finished my 1st form, but what do i put in the bit i marked red? 8%? he claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from 21/04/04 to 22/06/07 of £161.82 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of [enter the daily rate of interest] Thanks

Thanks Sh1t! Quiet Nervous now!! better read all the gumf and get my head straight. Don't want to mess this up now.

Have tried calling several times and sent an email. No response from any. Straight to the courts from work tomorrow then!

Thanks dolphin939, will try calling her after 9. If i can't get through will try emailing her. Thanks again.

Was about to hand my form(s) into the court but noticed you have to pay the fee's up front. I've don't have enough money until payday (23rd) so will do it then. Is it worth calling the bank telling them what i'm about to do and ask them to give me the money, saving both halifax and me time and money? Are they likely to go for that? Also i don't want to do anything that would stop me getting the money! Also, can someone confirm whether i need 1 or 2 n1 forms for the 2 accounts with halifax?

Hello, Do you have to fill out 2 N1 forms if I'm claiming on 2 accounts (both with halifax). Or can i re-word the N1 template that is supplied on this site?

I should have had a reply for my previous letter by Monday 28th May, this was a bank holiday and also i've been away all that week. Still have not recieved ANYTHING, not even a letter saying they are not going to payup. So now going to send the letter for court action, had a quick look at the information on this site and it doesn't look that straight forward. Going to take my time over this, is there anything i should be careful with and should make sure i do? Cheers

I have adjusted the 1st paragraph slightly in the reminder letter... I am very disappointed that you have failed to respond to my letter of the 2nd May 2007 in a positive manner. 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. Thank you to everyone replying on other posts! Will now go and post this letter!!

Just had a letter from Halifax saying they are not going to pay my charges back! This is part of the letter.. Our Investigation I have carried out a full investigation of your complaint and i am satisfied that the charges have been correctly applied to your account. This letter explains the reasons behind my decision Why you have been charged When you opened your account, you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the terms of the account. From time to time, we have also sent you information about the current level of charges. This information formed part of your agreement with us and we have applied the strictly according to the terms agreed. It goes on to tell me how to run my account. What do i do now?

After putting all the details in to spreadsheet, my total for both accounts came to £2477.11 (inc interest). Posted the Request for payment letter together with spreadsheets on May 2nd. Not heard anything yet, getting ready with my reminder letter.

I have now started my 2nd claim against Halifax, this time for my sister. The letter was posted recorded delivery on Monday 7th May. Hopefully I've learnt from my few little mistakes i made with my claim. So I should get this one done a little quicker.

I sent another letter on 24th April, Recieved my statements on Saturday 28th. Have gone through them a couple of times, and have just over £2000 worth of charges. Tonight I will crack on with the spreadsheet!

Any suggestions anyone?

I still haven't recieved anything. I have checked with my other bank and they have not taken the £10. What should i do? because i didn't send it recored delivery they can deny all knowledge. Shall i send them another letter recored delivery to the head office, or should i take one into the branch? If i do the latter, should i make them sign anything to prove the have recieved it.