hello Sorry I have been quite sick of late and haven't been on here. No I haven't heard anything yet nor have they replied my request for the 2nd lot of statements for my savings account. I am going to issue the applying for court settlement on the visa card one and then write to the edinburgh address asking for my other statements. Will let you know how I get on, thanks for asking.

Thank you have posted it today.

hello well I gave halifax 14 working days to reply and still nothing back, so I have downloaded the Letter before action template, do I sign this one or add anything to it. I sent the schedule to an address in Leeds I hope I am doing this right. Thanks for your help

Thank you both so much, that is a great help, I will make a new start with it now. many thanks

Thanks for all your help but I cannot get around this spreadsheet, it has sort code and bank account but I wanted the credit card spreadsheet, when I click on simple excel under credit cards I get the same spreadsheet for bank account. Can anyone tell me how to get the credit card spreadsheet please.

Thank you everyone, I will contact the council welfare rights.

I am sorry to be a nuisance but I have been trying to work out this spreadsheet thingy for the past week and just can't get my head around it, I want to sent the letter and spreadsheet off to halifax but I am completely lost with the spreadsheet. Would someone be able to explain to me how it is meant to work please and I feel out of my depth. Thank you.

I can't claim anything unless they come to me with the paperwork to fill in. I have written to my MP and complained to the secretary of state, I am waiting to hear back. Thank you for your replies.

Help please, my benefit was stopped because I could not travel to a medical, my own Dr requested a home visit. I appealed the closure of my benefit in aug and have just received today my appeal was disallowed. I have had no money, nor medication since sept and owe quite a bit of money to my family that has kept me going over the past 4 months. Now my rent assistance will stop and I will probably be evicted, I can't travel the distance required for this medical and my Dr supported this, what can I do now. I am in a terrible state over this.

Thank you.

Sorry to bother you again, I seem to be a bit muddled with the 'schedule' I looked at the spreadsheet template - am I meant to fill it in and post it off? is the spreadsheet the schedule? Thanks

Thank you, yes I will keep this thread up to date.

Thank you, which form/letter do I use to send to Halifax with this amount on please.

hello do I put in two claims - 1 for over limit and another for late fee? Thank you

It seems what I was paying monthly was going nowhere, with the interest and the late fees my balance was pushed over the limit even though I wasn't using the card, being over the limit brought another charge with it. I have paid £458 late fees and £590 over limit fees plus a load of Interest.

ok Thank you, when I have counted them up what do I do then please?

I am back now, I have been ill for a little while, I have received my statements but I am not sure how to work out the charges etc - I am a bit lost with all this at the moment my head isn't very clear.

I beg your pardon MR Shed......you have no idea of mr reasons so please don't talk to me like I am some sort of Idiot.

Thank you Locutus, I am pretending to be brave with them but I am shaking really.

Thank you sea-side lady and PGH7447 I will post that off tomorrow.

I have been a member for a long time on a website..........I am constantly bullied and harassed, unfortunately a lot of it comes from the admin. Let me explain a little, I have been a genealogist for 35 years - it is my passion, I have been a member of a site since it opened (not sure if I am allowed to say it's name) however, I am treated like dirt...the admin deleted my account due to a 'doctored' report sent to them, and consequently re-instated me at double the cost, I have been chased off by the 'gang' and have copied a thread aimed at me that seems to be libel. I have always stood up for myself but admin will not help me or listen to any complaint from me - what they do act on is others reporting any statement I make (without any norty words or offensive type words) and I get suspended repeatedly. I was suspended for a month for pouring my heart out on the anxiety and depression thread, I had a lot of support from the people on there but it seems I have a stalker. I won't leave as it was once a good site and could be again if the admin could be caught at what they are doing and the 'gang' put out. Is there anywhere I can send some copies of what is happeneing or send the thread that seems libelous to anyone with authority that can put an end to this awful bullying.

hello PGH7447 I have copied the template and clicked on the address link, am I doing this correctly - I entered halifax in the register and it gave me their address so is this the address I send the S.A.R to? and I sent £10 pound money order with it? Thanks

Thank you for replying, I will do that now.

hello I hope I am posting this in the right place. I had a credit card from halifax a few years ago, to my knowledge I only bought my computer from it - the limit was £1500 I spent less than 500. I have had bad luck with jobs and am now not working due to illness, however, it all got too much for me and I consulted CCCS, I sent halifax the budget sheet as suggested and asked for the interest to be lifted - they said no and I could only have a 3 month agreement on low payments. I managed to get them to go a further 3 months and then they advised me my account was being sent to ??scott blair (sorry can't remember name). My health was getting worse and when I spoke to my older sister in Australia she said she would pay it out, she felt I was heading for another mini stroke. Halifax gave me the amount in full and said it was good til august, after my sister sent the cheque and that had in in their bank they billed me £90 and said they can't find the call that said the amount and added late charges too. This card which as I said was limit £1500 and I used about £500 was at the price of £2124.13 and that is what my elder sister sent. I am 50 years old and feel bad about her having to do this....my sister is 61 and dying of leukemia. I feel this is all so wrong to have as much interest added plus sending me a bill for £90 .. which I cannot afford to pay and it will grow to hundreds of pounds in halifax's hands. What can I do? if anything about this. Thank you all for reading my problem.

hello sea-sidelady yes I will be reading a lot of the posts and information on here, I have issues that need dealing with, but they need dealing with in the proper fashion.