I've got one more account to go after myself and I've just sent first demand letter on behalf of my partner. I'm amazed at how easy it was - but I can understand how people can get intimidated by the letters the banks send - thank goodness for this site! So if you're unsure whether to go for it - my advice is JUST DO IT!

Sorry for the delay in update - I've been pc less for the past 3 weeks. The Halifax paid me in full - 1 day before the claim was up! I'm so please - AND have been able to buy myself a new pc to replace the one that's given up the ghost on me. I've completed the survey and made a donation - I have one other question. How to I withdraw the claim on moneyclaim online? Or can I just leave it? Advice would be very gratefully received. Jo

Hi I've got a case number and logged onto moneyclaim online today and Halifax have achknowledged the claim. Would you recommend I call the legal dept? What should I say? Sorry to sound a bit dim but never been in this position before Jo

Hi I've not posted before but have done lots of reading - what a brilliant resource! I've been attempting to retrieve my bank changes from 2 halifax accounts. One adds up to around £2500 and the other nearly £1600. I've written the two letters and just had the standard 'the charges are correct, they're what you signed up for...' letter so have issued court proceedings on one account (I can't afford to do it on both at the same time because of the court costs). They were issued on the 4th June and I've had no response via the mail. How will I know if the Halifax have put in a defense? Will it be in wrtiting or via the moneyclaim website? I've looked on there but the status is still showing as issued. What's the likely next steps that the Halifax will take? I've noticed from many posts that they tend to settle before the date - I'm a bit concerned that there's only a few more days left before it becomes a default. I also noticed that some people have had results through phoning the legal team - is it worth me doing that at this stage or waiting a few more days to see if they do anything on their own valition? Thanks in advance Jo