thanks, we also had some other good news today. One of our home appliances, that we have been arguing for months with the supplier about a replacement will be getting sorted in 3 weeks - nice feeling!8)

Hi everyone, great news, got back from hols & got a letter from HBOS. "I have returned your Acknowldegement of service to the xx County Court "(the wrong one as it happens - nice to see a typo in the letter!!) " indicating that Bank Of Scotland intends to defend your claim......on a commerical basis it will cost BoS to defend the claim...legal costs.....It is unlilely that Bank of Scotland will be able to recover these costs .....without admission of liability BoS is willing to reimburse £x claim + £x interest (contractual) + £30 court fee" then lots of stuff about how irresponsible we are for not keeping track of our accounts, naughty naughty me.... Success!!! it's not a huge amount of money but it'll be v handy for Xmas and it's lovely to get a result, Thanks everyone for your help & speedy replies when I needed you! emmab16:D :D

Hi everyone, haven't done an update for a while as lots of other stuff going on too..... The claim was filed & issued on the 14th Sept & deemed to be served on the 20th Sept. HBOS filed an acknowledgement of service on the 24th Sept & has responded to the claim with an intention to defend the claim. I think this means they have until 28 days after the 20th Sept to file their defence? (which is 26 Oct) ta emmab16

thanks guys - the claim is ready to go and will be dropped off at the court on wednesday fingers crossed:rolleyes:

there seems to be 2 versions of the POC's floating around - the basic one http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html and the 'new' halifax one which contains all the bank account penalty charges http://www.consumeractiongroup.co.uk/forum/bank-templates-library/109706-new-poc-n1-halifax.html I am going for 8% not CI, which one is the right one for my credit card claim?? ta

Hi moneyhelp - I have a thread going for my journey so far with halifax visa - but thought I'd try & find out where you found out how to write your POC's?? I seem to be stuck at this point thanks emmb16:)

I can't find on moneyhelp's link what the POC's were - there are some on the barclaycard link below but I have no idea what to do with them - any ideas? http://www.consumeractiongroup.co.uk/forum/barclaycard/109687-particulars-claim-credit-card.html ta

thanks Tilly49, will do

Hi, I want to file the N1 this week but don't know whether to use the Halifax card services address or the HBOS plc address as the defendant - anyone got any ideas? I have also seen various POC's for credit cards on the forum, but it anyone has had experince with Halifax specifically I'd appreciate your advice thanks :)

All of these details seem to refer to bank charges - what do I do with a halifx credit card claim. I am ready to file at court, but don't know what to put in the POC for the N1?? :confused:

Hi, I asked for a cheque rather than a credit to the account and it came within a week, as promised. He seems amenable so it will be worth phoning him to find out where the money is

I just phoned James Ball and he came back with the full amount, after the LBA he originally offered £125 - very easy win on this one....just followed the FAQS on the site! ;-)

Hi All, just got a letter today from James Ball - seems to be doing the complaints at the mo! Going to send LBA and then give him a call to follow it up Thanks for the tips