hi just had a thought ,been as the Haliprats are going to defend could i change my claim to include costs incurred prepairing court bundle(photo copies)time off work for court etc!only an idea. Also as they filed an Acknoledgement of service that gives them an extra 14 days to my dates that is 4th June(28 days from date served 10th May) .GOT OVER THE SHOCK NOW LOOKING FORWARD TO THE FIGHT!!! BRING IT ON!!!

BAD NEWS JUST GOT LETTER STATING THEY WILL DEFEND MY CLAIM!WORRIED NOW,ANY ADVICE GRATEFULLY WELCOMED ADDRESS ON LETTER FROM COUNTY COURT STATES HBOS PLC LEGAL SERVICES RETAIL DIVISION TRINITY ROAD HALIFAX WEST YORKSHIRE HELP!!!

Hate this waiting game!!just want my money is it just me or are Bankers getting brave after the lloyds win??starting work on court bundle just to be on safe side!advice i can give to any newbies DON`T BELIEVE A WORD THEY TELL YOU!WON`T GO WRONG THEN!!POWER TO US ALL!!

hi im at the stage where the bank has until the 24th may to put up a defence!getting worried a bit finding hard to put my court bundle together!need old terms and conditions not the new one on halifax website! and as much advice as poss good luck to all

Help really worried,do i need a copy of halifax terms and conditions cannot find it anywhere!!,what else do i need as want to get all ready!

jUST TRIED TO RING HALIPRATS,GIVEN NEW NUMBER TO RING 08451241330.WOMEN SAID CANNOT COMENT DUE TO N1 BEING PASSED ON TO LEGAL TEAM!I THINK I HAVE A BAD FEELING ABOUT THIS ANY ONE WITH ADVICE!ABOUT PERPARING FOR COURT AS I THINK THEY WELL GO ALL THE WAY!JUST MY LUCK!!!!!!

Many thanks,will also prepare my court bundle!!just in case a few pointers if anyone can help,gratefully recieved!. What makes a good bundle banks terms and conditions? Oft report on bank charges(where can i get a copy??) any thing else?

HELP!!just heard court found in favourof lloyds tsb!does that mean we are all going to lose out again to the banks?Halifax have got till 24/5/07 to put up a defence to my N1,anyone got any thoughts or advice?

heard nothing what does anyone know about the one claim going in favour of the bank!!

Had Letter Today Saying Complaint Will Be Investigated By June The 7th !!do Not Care As N1 Back From Court See How They Like That!!

hifiled my N1 on Friday after numerous promise of phone calls of Halifax,rang them today to tell them oh how great is silence once this ones done £4k got one little one £330 for them to cough up good luck to all,then onto hsbc for more!!

hi i wonder if anyone can help i have got some debts around 8yrs old and have been using Eurodebt to manage them for me.Can i cca them after so long and do i stand any chance of losing any debt the companies are. AIC ROBINSON WAY&CO X2 ACCOUNTS CABOT FINANCIAL APLINS= CCJ WESTCOT CREDIT SERVICES HL LEGAL &COLLECTIONS RED CASTLE RECOVERIES STUDIO CARDS CLYDESDALE FINANCIAL SERVICES JEREMY SUTCLIFFE& CO SOLICTORS=CCJ CREATION FINANCIAL SERVICES. i dealt with these for years till the pressure made me ill just hoping to try and get my own back!.

hi just rang bank today and told them court papers in!got a stuned response from a woman and then she told me once the Bank gets the summons my claim will be action?anyone got a clue what that means action??PS iknow this is of my thread but could do with some advice on DCA and CCA?thanks all

Well put my N1 in at court today feeling 10ft tall at moment trying not to get carried away!!next i have some old debts that i have been paying via a debt managment plan worth a letter asking for CCA?keep all informed will donate when Halifax coughs up.Nearly forgot they are still charging me,oh well another claim after this one!!

After reading some threads can some one give me advice i am currently in a debt managment plan and have some very old debts 8yrs plus.Can i ask them for my CCA and would it matter that i paid them for so long before asking for this?also how would it affect my DMP do i stop payment till CCA is produce,any help thankfully recieved,as debts total 30k+. Thanks

Many thanks one last thing because it is a joint account mine and my wife`s do i put both our names on the n1 which i have done or would just mine be ok?

Hi just filled my N1 form now i take it my local court with the spreasheet of charges and pay the court fees ?correct,

thanks very much,also does anyone know of the time scale for the office of fair trading reprot into Bank charges?

Hi do i get my N1from my local court as i am going to filing on thursday,

I think i will use the N1 form seems easier to do?

Will do many thanks Cholejane,just a bit nervous of the court stuff but will read up.

HI just to inform all no one rang today24/4/07,so i rang them spoke to a women who now claim they have 8 weeks to view my claim after explaining to her that her colleage said a Samantha Carter would be in touch today,to cut a long phone call short told her the claim is now going to court and would incurr court fees!! One other thing i have had some more charges since my claim can i add those on and just send the bank a new list of charges. Thanks for all the help

Mant Thanks Too You Both,will Keep All Informed.

at the moment i have sent both letters and recieved back a letter stating 8 week period to investigate my complaint rang Halifax and they said it will be around 4 weeks a customer relations manager will ring before the 24/04/07.Has anyone else had this response my chages are around £4k,will they make an offer or will i proceed with going to court?Any advice greatly recieved.

can anyone tell me how to post in the halifax forum(dull i know but new to all this)THANKS