hello vjohn82.. Iv got the info and can now load photos of docs... the defence has to be in court tomorrow.

Halifax Bank... £950 per second... Building Inspector

I have a dispute with Hx... they said their rep would call at my home between 9-5 to discuss the case - and they never turned up.. or rang with any excuse... I waited in all day - Can I Bill Them?? Must be worth 8hrs x £25per hour??

iv tried reloading... usb not recognised. I'll photo docs and upload from camera to photobucket. It will have to be tomorrow. Thanks, Mack or i can ring anyone with advice. Im in HD5.

No its apple

Hello all... thanks for your supporting comments. I have to get a 'defence' in by friday but cant upload any docs.. (scanner not recognised) The application I signed whilst under the influence has (I beleive) turned into an agreement. They didnt send me the requested docs for months after the 12 day limit. What do you need to know? Thanks,Mackk

Thanks... I'll try upload some docs later today

Hello.. how do I post the letters I have received?

Any help?

Just been to CC with CL Finance. They put together very poor paperwork. The Judges copy was different to ours... ours had vital pages missing. It looked like an application form for a CreditCard has been altered into an agreement..(is that criminal?). This is after we asked for a copy of the original. The copy came through the post 10weeks after we asked for it (I thought there was a 12day limit under CCPAct 1974?? and is that a criminal offence nowadays?). Anyway Judge sent CL away with flea in ear to sort the paperwork out for a retrial. HELP.. I cant remember signing any Agreement.. just an application form touted to me by a pretty young lady with long legs and a short skirt outside the Man Utd.. I was well under the influence too... always am just befroe a big game.. it's part of the build up.. (could that be construed as miss-selling??) We have got 14 days too to issue our final defence.. any offers of help will be really appreciated. Just lost job, just broke leg, just seperated, feel down

When a bank that I owe money to (unpaid overdraft) takes over the bank where my monthly salary goes into.... can they take my money to recover the debt??? Thanks....

Hello... Just sent all the claim letters.. and received the standard replies. All statements were sent to me for £10. 'Owed' £2500. Just waiting for High courts? to agree... then I'll follow it up again. Meanwhile the overdraft is tempting..

Iv sent Halifax a reclaim of charges letter for £2500. Two years later we're all waiting for the courts to say ya or na! Anyway... Hx sent me a letter offering a £2500 overdraft facility on a very old account I had not used for years!! Q- Can I get the £2500 in cash from my overdraft... then not pay it back and use it as a counterclaim for what 'they owe me'?? What would you do?? Cheers, Mack