thank you very much deadlykiss was panicking tho, bank said letter had been sent out last wednesday and couldnt tell me what the contents of the letter was ( said it was favourable) but didnt turn up till this morn, couldnt sleep all w/end. just feel sorry for all the others nearly there but now so far If any has seen a letter template with this quote in it please let me know dale

success just received letter from halifax today offering me £3078 approx half what i was demanding yippeeeeeee. only thing is i cant haggle now cos there is no-one there to haggle with anymore. A helpful soul (who sounded really p**sed off) sid that i could "accept offer without prejudice" and claim remainder after court case. the question: has anyone seen or used a template letter that incorporates this sentence, and if so, where is it any help would be gratefully received dale :-D :-D (can you tell im happy??)

just got this update off FSA website: What should you do now? If you've made a complaint or are thinking of making a complaint about unauthorised overdraft charges here are some general questions and answers to help you – for information about your individual circumstances speak to your bank or building society. What this will mean for you, if you have an outstanding complaint Your complaint will remain with the bank or building society but will not be dealt with until the test case is resolved. you have just been made an offer of settlement by the bank/building society You can accept the offer or wait for the outcome of the test case. You have two months to decide if you want to accept or reject this offer. If you decide to wait for the outcome of the test case, you won't then be able to take up the original offer. you have received a final response from the bank/building society which does not include an offer If you are not happy with the firm's response, you can still take your complaint to the Financial Ombudsman Service. However, the Ombudsman is unlikely to progress complaints about unauthorised overdraft charges – other than in hardship cases (see below) – until the test case is resolved. you have already had a settlement and want it reviewed A full and final settlement is just that – it is final. In some exceptional circumstances a complaint can be reviewed – for example, if there is evidence of coercion or bullying. However, you can still complain about any new charges incurred since that settlement. you are in very difficult financial circumstances – 'hardship cases' If you have a case of genuine financial hardship, your bank or building society must deal with your complaint – see the Banking Code for how they can help. If you're not happy with the firm's response to your complaint, you can take it to the Ombudsman, who will consider whether your complaint can be dealt with before the test case is resolved. you wish to complain from today You can complain now or you can wait until the test case has been resolved – you won't lose out. Your complaint will be recorded and stored, then dealt with as quickly as possible once the test case is resolved. Your bank or building society will still have to acknowledge your complaint within five days. you want to complain to the bank about other issues You can still use the existing complaints process for other financial complaints – see Making a complaint. But, if your complaint relates to the fairness of unauthorised bank charges, that part of your complaint won't be dealt with until the test case is resolved. you want to make a complaint in Scotland You can take your complaint to the Ombudsman or the courts. If you want to take your complaint to court in Scotland, the timing is important. You may want to get independent advice and file a claim now to protect your rights (although you will have to pay a court fee). [*]Will banks and building societies still charge customers for unauthorised overdraft charges during this time? Yes, it is likely that they will do so. But this will not prevent you asking for repayment of any future charges if the test case finds they are unlawful. [*]What about banks and building societies who don't sign up to the waiver? We expect all banks and building societies to sign up, but we will monitor the complaints handling process of those who don't very closely. [*]How will the FSA know if the waiver conditions are being met? The FSA will review compliance with the conditions in the waiver regularly to make sure consumer interests are protected. We can revoke the waiver at any time if we are no longer satisfied that the waiver is appropriate. [*]How long will the test case last? We cannot predict how long it will last. However, we have granted the waiver for one year and it will be reviewed regularly. We can, for example, revoke the waiver at any time if progress on the test case is not being made or if a delay is likely to cause undue risk to consumers. [*]If the banks and building societies win, what does this mean for customers who have received money in the past? Previous settlements will not be affected by a court decision in favour of the banks and building societies. [*]What happens if the OFT wins? Will this mean that customers who've had unauthorised bank charges get money from the bank? It will depend on the precise outcome of the case, but many customers are likely to be entitled to refunds if this happens.

All offers to settle, wether by letter or by court action will be honoured according to FSA so i wouldnt worry that much

The guy on the phone couldnt say over the phone to pre-empt the letter (but knowing our luck it will say that all claims are suspended due to test case) but he seemed to say it was good news. the FSA has said that all offers to settle must be honoured so heres hoping theres good news in the letter whenever we get it regards dale

Bl**dy typical, Phoned halifax yesterday 26th regarding LBA, they said a letter had been sent out on wed 25th 2nd class post from the revue manager, they couldnt say over the phone but it possibly was good news. Then yesterday there was the announcement that OFT was taking banks to court, our hearts sank, Then i read with glee that all offers to setlle will be honoured, yippeeeee . So where is fridays post?? there will be none because the Bl**dy Royal Mail was on strike yesterday, 26th, so there wont be any mail today:( . Where just hoping that halifax had made an offer before this test case but we wont know until tomorrow (sat). we're biting our fingernails waiting for tomorrows post, we're claiming nearly £8000 incl interest so its a fair whack to possibly have to wait up to 2years to get will keep you all informed regards dale