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Sorry for the late reply! Just ring them up and ask forthem to send you your statements

Anyone know how I change the title of my thread?

My claim was started on 05/07/2006 and acknowledged on the 13/07/2006 they finally paid up on 28/07/2006. So they paid within 18 days (the dealine is 28 days)

They have paid me back in FULL! I recieved a letter today saying that I will be paid £761 within the next few days! Woooooooo! They told me that since the case was going through small claims court it would cost them too much to defend it and they wouldn't be able to reclaim their costs if they won. So without accepting liabilty they will pay up (as a goodwill gesture apparently). Which I suppose ammounts to saying that they think they are still right but they will pay up. Anyway, thanks to everyone at Consumer Action Group for your great support over the last few months. Admin, can you add PAID IN FULL to my thread title? Thanks. Also how do I donate to the site?

I had the same letter. Ignore it stick to your 14 days and carry on with your schedule. I sent my LBA back to Leeds.

I meant to say at the end that I ignored them and carried on as normal. They will scare you with all sorts of letters so don't worry. This is your money just follow the process until you recieve all your charges back.

You can do two things, either don't accept their offer or reply saying that you accept the offer only as PART payment of the full ammount and tell them you will still be pursuing the full ammount. The reason they have doen this is that they know you are in the right and they are wrong. Carry on with the process as normal. I was in the same boat (I am now a little firther down the line). They offered me a pitifull ammount Ignored them and just carried on as normal.

Sorry I haven't updated for so long. I've started my claim (on the 5th of july). i have not heard anything from Halifax at all. I used Moneyclaim in the end (using my girlfriend's card). I am claimng for £584 plus interest (which brings it to 681.67). I am also claiming back the £80 court fees. It says they have 28 days from the date the claim was issued to reply. Now to wait...

Oh no! MoneyClaim doesn't accept my card! what shall I do? Will this affect anything since I am now filing late?

I'm going through it as well although mine is on the MoneyClaim website. My Particulars of claim are there is some info on the bank templates section to help you out as well: The claimant has a contract with the defendant. It is conducted on the defendants standard terms and conditions. The claimant is claiming for the return of money taken by the defendant in the way of charges over the last 6 years. The defendants's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 30/04/2002 to 07/06/2006 of £94.20 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.022%.

I'm filling out my Money Claim form, I was just wondering which address I use as the defendants address. Their main address or the one I've been writing to?

Thanks everyone! I was getting a tad worried there! Nearly there! I'll keep all posted...

Hi guys I think I've messd up somehow. I forgot to send the LBA by recorded delivery, will this mean that the bank will deny they received the letter? The 14 days run out tomorrow and I have received no letters from them. Do I send another one by recorded delivery giving them more time or shall I carry on as normal?

Hi again guys. The letters I have received so far have been from a Louise Curran. Shall I address the LBA to her personally?

Thanks All! I have decided to ignore it and wait for 14 days to pass. It has now passed and I am sending them an LBA in the morning. Watch this space...

I've just recieved another letter from Halifax. Apparently they have tried to contact me to 'discuss' my complaint. They said that they incur costs whenever a direct debit or any item is returned unpaid and they are only passing the costs onto me (it costs them £39 to bounce a direct debit!!?!). It then says they clearly outline there charging policy and therefore the charges. But then they have offered to pay me £105 as a gesture of goodwill. They have given me an acceptance form to sign and send back! Cheeky! I am not sure what to do. I am not going to accept the offer. But should I ring them or just sit tight an wait for the 14 days to pass?

I've just recieved a letter from Halifax. Its the standard reply. Its from a Jane Preston. It says thankyou for the letter on the 4th may. It then says sorry to learn about my concerns regarding charges on the account. Then it says they are keen to deal with it but will happen no later than 4 weeks. It then gives me a leaflet on how to handle my complaint. They are so predictable. I guess I now wait until the 18th.

It's ok. I've just read the FAQ and from it it seems to say I ask for the full charges back but I don't put the interest on. I'm sending my letter to the Leeds address later this morning...

I received my statements a couple of days ago. I have now worked out the charges. They were £584! And they kept going up! They started at about £28 and are now £39. So I have now prepared the Preliminary Approach For Repayment. I will be sending it in the morning. I just have a couple of questions. 1. Do I ask for all charges? Or do I take £12 off each one? 2. Do I ask for interest? 3. I am sending the letter to Halifax plc Customer Relations PO Box 548 Leeds LS1 1WU Is this correct? Thanks in advance!

Thanks Laura. I've just rang them and they are sending me my last 6 years statements. Watch this space...

Hi, I have only just heard about this, so its very new to me. I am about to send my DPA request but don't have a chequebook. I'm not a fan of Postal Orders. Can I just ask halifax to take the fee from my account? Thanks in advance!