i havent informed the court as halifax said in their letter that they will do that, i got the letter and reimbursment a week after the acknowledgement. good luck to all i am now thinking of going to my local mewspapers to tell them of this so that others can do the same. Andy

hi all today i received a letter from halifax, they have paid me all of my money, £1307 plus £209 interest plus £120 court costs. it was all paid into my account today. now taking my 2 children clothes shopping. I recomend that no one gives up and take it all the way. Andy

i filed on the 16th may and i have received the acknolegment saying the same, i too need to know what to do next, so far i have ripped some juditial information and also other things which may be relavent. good luck i will keep you informed. andy

are they paying you all the money they owe? andy

BABES66 it doesnt matter whether you have a bad credit history, by law all banks have to give you an account, even if it is just a basic one, i have bad credit history, i recommend that you join with the co-op, as for the Halifax take them to court after sending the second letter by recorded deelivery and only give them 7 days. i am now at the stage you are and i am pondering my next step as they increased their offer from £78 to £273, you will win in court and it is very doubtful that that bloke you talked to will attend anyway, dont call them on the phone any more deal by letter ok best reguards Andy

why are you dealing with your branch, go straight for the top,as the branch have to go through them too, i have had all my statements, and i sent them a first letter asking for my charges back totalling £1262.00 they sent me an offer of £78.00 i sent them another letter threating court action, 3 days later i got a reply offering me a final offer of £273.00, and on both accounts they have said they reserve the right to close my account if it isn't handled properly. so to save time, deal with the head office and make sure all corespondence are recorded, it saves time. i now have to see what my next step is, so i am after advice myself now lol. the letters i used are from govan law i found this by typing in bankcharges in the search engine, i recommend these letters to every one. Andy