just to let u all know, i recently won my case with Halifax. They held out until the court date was about to take place, sent me some standard letter about not admitting any liability etc. but paying out as a goodwil gesture and because it costs them more to defend the case. Either way they paid the full £2950 (charges plus interest into me account before I had even received the letter notifying me of this!!!) Student loan and credit cards paid off!!! I'm going to approach credit card companies now....

Hello all, firstly I will also contribute to an appeal for the Birmingham case. I am in court on 22nd May, and although this means I actually have to prepare (which I am a bit nervous about) we need to get this into perspective. The rulings and reimbursements so far prove that. That sed - can anyone help me.... 1- i used a standard letter from this site saying the fees they had charges were unreasonable and not a true reflection of their costs etc 2- unlike some, my banks are still calling these charges 3-they sent a letter today saying a full investigation has been carried out and the 'charges have been correctly applied to the account' I am thinking that my case will therefore focus on the fee's being unreasable and not a true refelction of costs....what do u think? Also 1- what is a bundle, do i have to submit it in a particular format? All help is appreaciated!!!