Hi guys, just a quick update, I received my letter of "goodwill gesture offer" of £7732 - what I was asking for so just hanging on in there for the cheque to come now........

deedee, I filed straight to MCOL, paid my fees, papers were issued to the Halifax on the 30/5/07, they acknowledged on the 7/6/07. I rang every day and sent them a letter to say that I am willing to come to a settlement and cancel any proceedings. Kept ringing and finally got an offer of £3866, didn't sound enthusiatic and I was asked how much I was looking for, I told him £8017, thats is minus interest but including court costs. He agreed to pay me in full for the 6yrs of charges minus the court fees - I was happy to accept that! If I can be of any further help, I will be.........Keep strong and don't take no for an answer! The banks are quick enough to take our money but they are sure slow on the mark and their procedures come out before paying anything back that is duly ours. Keep up the fight....... Jo x

Guess what guys........Just rang the Halifax and they have settled over the phone £7732........will believe it more when I get the cheque within 14 days!!!!! OMG can't believe it still Jo x

Emma, sorry to hear of your loss......keep strong. I have got a battle with the Halifax also, I have got 01977 627 280 as the Customer Relation contact and I am ringing them daily with my reference number and asking them for updates..... Take care, keep us posted - all the best Jo x

Hi, they defended my claim on the 7th June, I filed it on the 30th May 07, but I now have an interim offer letter in the post winging its way to me......will be interesting Jo

Hi all, just a quick update - i spoke to a chappie at the legal dept and he has advised me that they have reviewed my claim and a letter was sent out on the 11th (may have missed the post and have gone yesterday) and it is an interim offer! not got it yet but will let you know when I do - I am hoping tomorrow Fingers x'd Jo x

CONGRATULATIONS TO YOU.......I have been ringing everyday to the legal dept and am being fobbed off with "can't give you a time", "its in the queue to be dealt with" "its being reviewed" - ITS DRIVING ME NUTS!!!!!!!!!!!. Can anyone offer words of wisdom as I am getting a bit nervous as they have acknowledged and intend to defend the claim - giving them till the 2nd July.......claim is for £8k Any advice and encouragement is very much needed - Jo x

its all very interesting reading and I am so scared, I filed my MCOL and they have acknowledged and intend to defend all of the claim. They have till the 2nd July to enter a defense. I am soo scared of them turning up and throwing it back in my face. Has anyone had problems when it gets to this stage? My claim in total is for £8020 Jo

Hi there, I just wanted to say a big thank you to Yoda for doing what she did. It has given us all inspiration to exploit these money making scams that are so against the law but I am currently taking the Halifax to court as over the last 6 years alone they have stung me for £7,767 thus at times leaving me overdrawn with no OD facility, leaving no money for bills to pay or any money for day to day living. I am waiting to see if they pay up or chose to defend this in court but I will be figting it all the way as my benefits for my daughter were paid into the same account. Jo x

Just a quick update, i filed me MCOL on Friday 25/5/07 and it has today been issued so the Halifax have 14 calendar days to respond. That will be nice - lets hope they pay up - i need some encouragement as I am getting nervous about going into court - if it comes to that?

Hiya thomasl - i am in ezactly the same boat as you - I got a "we are happy that these charges are justified" letter from Halifax and last Friday (25th) entered a MCOL online and have just spoken to the courts and the paperwork is going to be issued tomorrow 305/07 b4 10am, they then have 5 calendar days to acknowledge receipt and a further 14 calendar days to enter a defence........will keep you posted.

Hi guys n gals - I am new to this thread but would like to update all claiming again Halifax, I requested my statements by phone, received them within 2 wks. Sent my 2nd letter off requesting payment of bank charges that had been applied to my account over the last 6 years. Gave them 14 days, Heard nothing so I sent them the LBA - again giving 14 days - was told when I rang then I would hear no later than the 4th June.....I then got a bog standard letter saying that their charges are justified blah blah blah - so I hesitated but realised that they have taken over 7k from me during the last 6 years and into that account has been paid my child tax credits and child benefit. I sent off my MCOL on Friday 25/5/07 so will wait and see if they do pay up........Any advice would be gratefully received - Jo

just another update, I have today sent off my claim to the MCOL and sent a copy along with a letter to the Halifax registered post - so we shall wait n see what becomes of it all.....

so just to put my mind at rest, is it a scare tactic to us as they don't want to pay out or is it really worth going to court over after Halifax have "reviewed" my request......I am scared that I will lose my money to go to court and slightly intimidated......what would you advise?...........Jo

Hi guys, a further update, I have had a response from the Haliprats and they are saying that all charges are Justified! How! so there will be no refund. Is this the end or can I take this to court???? Please any advice would be fantastic!