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they did the same to me change bbanks walk away get your wages paid in elsewhere ! and chose a bank not linked to the halifax and pay them what you can afford each month

Got a full refund plus some. Charges totaled £475.00 - they paid me back £488.25 on Monday of this week to Link Financial whom I owe the debt to now. now i only owe £295.23p wha hooooo! I'll be making a donation when i get my halifax money through

retract that one i'm skint have to wait till pay day to file it !

Filing claim in court tomorrow - for £1049 + Interest Charged + 8% + removal of two defaults as a result of the charges. should have money in my pocket soon ! and hopefully a cleaner credit record. ;-)

Link should receive money on wednesday 10.08.2006 have told MBNA if they do not then i will issue claim in the small claimes court plus interest..

received letter from halifax offering me £95.00 ! yeah yeah yeah see you in court boys.

checked with link financial again - definately haven't had the money called MBNA and they say that link should be sent the money by the end of this week it's only just been authorised for payment - girl (Kate) confirmed that the total amount authorised for payemnt £485.22 ? confusing as hell - I'm going to check again monday get nothing getting an LBA

Link haven't received the money yet ? arghh sent email to stuart johnson requesting he investigate will also call on monday to find out.. ?

Cheers Jonni I'll have a scout about on Account "A" see what i can drag up .. i've always mentioned the Default part.. just in case.. kinda knew i wouldn't get away with it on the loan but thought i'd get proper advise from you before pursuing it .. overdraft interest on the statements how would it show ? or should i be looking for interest they charged me in my overdraft when i went in because of a charge.. it was only a secondry account i used for most of my DD's ..did out of interest challenge the defaults at the time they issued them as i stated that i felt they had mishandled my accounts and that is why i had defaulted however i don't have copies of all the letters.. for want of a better expression i "lost it" after my finances went to pot and destroyed lots of paperwork.. ! wish i hadn't now..! Thanks for all your help on this ..i'll let you know how i get on with the interest part.. ? cheers !

Account A debt was £-100 from Feb 2004. defaulted me for £156.00 on 11 07 2005 total charges £106 charges £126.44 in interest to date They gave me back 46 quid in interest in september last year still don't know why ? current balance is £0.00 tried to close Account B Debt was £499.99 in Feb 2004 .. defaulted me for £570 on 27 12 2004 charges to that date were £996.28 and £23.28 in interest. current balance is £352.04 Loan debt was £13657.00 on defaulted me on 17 Feb 2004 charges were £150.00 current balance is £6930.26 I had one other default on my MBNA card limit was £1500 defaulted me for £1575.00 on 29 10 2004 charges were £475.00 to that date current balance is £356.05 when MBNA pay back the £475.00 I paid in each and every month since i walked away on a debt managemen plan. not charging interest any more on any of my debts light is at the end of the tunnel i am still but paying it back ...but shoul be debt free in 14 months ..! Let me know what you think

Jonni Wanted to ask your advise on the removal of defaults. I walked away form my accounts and left them at the maximum overdrawn. i paid in what i could afford each and every month but the interest they charged me was over and above what i could afford to pay in so the debt actually grew although i was paying it back because of the interest they were charging. ? i walked away because i also had a loan and they were taking money from my current acouunt towards the loan willy nilly and theefore not leaving me no money in my current account to pay for things then they'd charge me i'd put money in they'd transfer it to my loan which wouldn't go out as they'd emptied my account to my loan and charge me etc etc .. can i get the defaults removed ? :?

I received my statements today. showing £495.00 in charges £20.00 they'd repaid me when I winged that I paid late because they didn't send my statement to my correct address ! good as sorted then.. ! I'm going to check Link have received the money and then send them a letter accepting the amount and cofnirming the matter as closed.. settled in full i do believe ! this brings me to what i believe i really owed them all along !

It's not clear i know but there are two claims here maybe i should have done two posts..? 5including the one in above post as below. I have received 9 letters and 9 leaflets from halifax. one for my current accounts and one for my loan account 1 x Letter for original S.A.R - (Subject Access Request) for my three accounts a, b, & c, received three letters over a week from three people no statements relating to accounts a & b nothing about c. chased by phone statements for a, b, and c and by email as still hadn't received them. received a letter with list of charges that were false/incorrect I had statements missing but could show more charges than they had included. 2 replied to letter stating that the information was incorrect and as per my original request required copy statements for my three accounts a, b, & c. received statements for a. chased b, & c by email. received statments for a & b ... but still nothing for c. 3 reached 40 days on c, sent letter in templates for receiving something but not all for account c 4 sent request for repayment of charges on accounts a & b in 14 days still received nothing for account c chased by phone and e-mail received statements 49 days after for account c. 5 sent letter chasing after 14 days for non payment on a & b.

sent letter today giving them another 14 days ! heard nothing..