Hi all, Have put my claim through the moneyclaim site and they have now sent back through the courts that they are willing to defend the claim. Letter states that have 28 days to file a defence. Looking forward to seeing them in court, if it gets that far. Any others had this letter and what was the next step in Halifax's plan of attack?

Thanks.

Just in the process of sending a claim through www.moneyclaim.gov.uk and have vehemently followed the correct process as described here but the only thing I am missing is how to attach the interest spreadsheet to the online form. At the moment I am calculating the interest and attaching that to the total in the money claimed box. eg. Claiming £4860 plus £1086 in interest. Am putting that mount in my money claimed box (I am confident now that I can claim over £5000) and on top of that I will be claiming £250 in court costs. Giving me a total of £6196. There is no spreadsheet attached. Is this ok as I know it helps if the court sees that you have made the effort to individually calculate the interest for the money claimed. Thanks Once I get the answer, it's off!!

Monday it is then. Thanks for your help.

These are for three years worth of charges up to 2004 as a partial claim. I am going to include my 8% interest on top of these and my £120 court charges which I will incur taking me to £5368.80. Am I right to start claiming at the end of the 28 days rather than today or does it not really make much difference?

I've been reading your site for all the things that are going to happen and it's happening like clockwork. The 28 days for settling the claim ends tomorrow and they have come back and offered £440 for a £4,860 claim. My next step is to then issue a summons as I can't reply accepting the £440 in partial settlement of the full claim in time. I've already said before that when I get my settlement £200 goes right back into this site for all the help it's given me! It's all getting a bit closer now. Onto the home stretch afetr three long months. If there is anything I'm missing, just let me know but going to do online claim tomorrow when the 28 days run out.

Have sent preliminary letter. 14 days will have passed on Tuesday, so I'll then send the letter before action, regardless of the four week period they have given. Is that right?

Have done everything to plan so far up to demanding payment back within 28 days. Halifax sent back a letter within two days saying they are going to look at my overdue charges and will get back to me within the four week period I have given. Do I then need to send any other letters until the four week period is up and hope that they will settle?

Sent off letter on Tuesday 25th July claiming £4,860. They must be rather scared as I received a letter yesterday on 28th July saying: 'I understand that you are not happy at the level of charges on your account' No really: 'We're keen to deal with your concerns as quickly as possible. Acustomer Relations Manager will investigate the points you have raised and you will receive a reply shortly, but certainly no later than 4 weeks.' So, even though they're replying to a letter in which I gave them 14 days, they're asking for four weeks. Does this mean that they're just buying time?

I have seen some advice to split claims over £5000 and some to go for the whole lot. I am just about to send off four years worth of charges adding up to £4,890 but the whole lot only goes up to £6,300. Which is more advisable to do?

Thanks. I'll type them out and send it on Monday. Watch this space. If I get my full amount back I will donate £200 to this awesome site. Wish me luck!!

I'm just about to send off my preliminary approach letter to Halifax for £4,230 but their are two things I need before it goes. 1. Double, double check I'm sending it to the right place. Can someone doubly confirm the address 2. Schedule of charges. Where do I find a template on this site? Once I have those I'll send the first part off. I'm not going to do anything with the second claim until I receive the FULL AMOUNT.

Will there be any problems reclaiming from Halifax if my account started with the Bank of Scotland? I am currently owed over £6000 (without interest)

Morning, I am new to the site yet have been reading various posts and forums over the last six weeks or so. I had the courage to get my statements from the last six years, which wasn't actually too hard (and they didn't charge me), and found out that I have paid out £6300 in charges. Ridiculous! I am sending out my letter today but doing it in six separate tranches. Wish me luck. Gulp. Keestah