Why not wait untill you recieve the statements, going to court if needs be twice for the same claim wont look good and the court could strike your claim out

I would write back saying you will accept it uncondionaly, reminding them that their time is up on friday

They have 40 days to comply some get them within a couple of weeks some take longer you just have to be patient im afriad as for your other questions in the mean time look around the site and read the FAqs and step by step instructions, get yourself prepared, altough others will help you you still have be prepared to go to court even so you do need to swat up

Personally I would send the LBA if it went to court then it would go in your favour

they wont pay yet its their opppsss your money they have

basicaly what they are saying is that for them to defend in court will cost them money, so they will pay you £xxxx amount and hope you will accept it, using the 6 year rule as their get out clause

Its going to be a month before you can file your claim (14 days for preliminary 14 days for LBA letter) so start now then when you have the next charge ammend your schedule to include it and send that off to the Halifax and include it in your claim for the court

good luck

Good luck

when you send the list of charges to the bank you dont add on the interest this can only be done when you file your claim to Court

congratulations can you please update us when they settle fully so we can change your thread title thanks

congratulations its a great feeling is it not

I am obviously you have to make up your own mind about it

congratulations could you please fill in the survey link is at the top of the forum or in my signatureand also pm a mod with the details so they can update the database Thanks

No of course it wont matter about your 14 day deadline the reason we say its better to reject their offer is because if it went to court it would look to the Judge that you tried to settle out of Court. You can add any other charges to your claim up untill you file your claim, you just need to amend your list of charges

Yes Mechs

rejection of settlement offer

Your welcome

Congratulations can you please pm a mod so they can update the database thanks

Im at the same stage im trying for the extra lol

Yes have you put them in the spreadsheet to include them? you cant at this stage add the interest on the claim though

I hope the Halifax pay you otherwise you will be puter less lol

why cant you use the trinity road addy then

I have a contract with the defendant bank dated ????,and conducted on their standard terms and conditions. I am claiming return of money taken by the defendant in way of charges over the last? years and interest they have levied on the charges. The bank's charges are disproportionate penalty,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. I have repeatedly asked the bank to justify charges but have declined to do so.The claimant also claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from date to date of £xxxx and interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx this will fit its what we used ...you will have to put your own details in the parts highlighted in red