I,m just about to start my claim against MBNA and I believe this will be a merry struggle. A few years ago my wife had to leave a good job through illness that left us with very little money (I barely had enough to pay the mortgage and food bills) anyhow I pleaded with MBNA and all other creditors for help and to be fair most helped in one way or another with the exception of a couple. MBNA was one that refused to help. As a result I now owe them nearly £2000. this is made mainly from interest, late payment charges and being over my credit limit ( which is £100). I am ready for the fight and they can close my account anytime they like

I received a letter from the Halifax that says the paid me on comercial grounds Blah blah blah. They also threatend to close my account if I incur another charge. Sounds like sour grapes to me, might just change my account anyway if there gonna be like that

I want to thank everyone for there support and wish you all good luck Off now to donate

I DONT BELIEVE IT I WON!!!!!! I checked my account online and the Halifax have paid £3668.57 into it Christmas Has come early for the Smithy family this year

I may be a bit impatient but i've heard nothing yet. The Halifax were served on the 19th October and as yet no acknowledgement from them. Keep thinking I've mucked it up somehow

Thanks bluecloud I will do that I see I'm a couple of days ahead of you and your first claim good luck with it

Received the letter from Poole county courts yesterday when I got home what do the moderators need so they can add me to the litigation section?

I think I made a little bit of a mistake with my N1 claim form. I am claiming the interest under section 69 County Courts act but I didnt put down the daily interest rate I just put down the amount I was claiming. I did however attach copies of the spreadsheet that shows the 8% interest and the amount of days since the the charge was incurred. Do I have a major problem?

A work colleauge has told me that he received a letter from his bank (HSBC) telling him that they are reducing the charges for going overdrawn from £20 to £10. I wonder why?

I rung the court today because I've heard nothing since filing my claim on the 12th October. They told me that it takes a couple of days to do the paperwork and that the documents were sent yesterday and they will be deemed served on the 19th October. Butterflies are rising I hope this works!!

I admit at the moment I'm buzzing with excitement taking on the might of a bank. If it came to actually going to court that would be scary, but it wouldn't stop me what have I got to lose they have already got my money I'm just trying toget it back. Might get my face on the telly though now that is scary:D

SMITHY GOES TO COURT:D on the 12th October at 3.45pm I bit the bullet and filed a claim at the Poole County Court. Total claim is £3677.68 including cost and interest. I will let you all know what happens next. Funny enough when I got home after filing my claim I had a letter from the Halifax telling me they are not going to refund my charges. We shall see:D

Help anyone I'm filling out my N1 form but I'm just a bit confused with this interest bit. Do I add the 8% interest and the s.69 interest this would take my total claim to nearly £5000, or do I just add the 8% interest This is the final lap and I dont want to snatch defeat from the jaws of victory.

No its with the nationwide

In these modren days where money can be transfered in seconds why is it that the Halifax want 7 days working days to clear a cheque. It means that it will take upto 11 normal days to enter your account depending on when you hand the cheque in. I thought I would do a test so I got my wife to write a £5 cheque to me which I gave to the Halifax on a Thursday morning I then tracked it on the internet. The money was withdrawn from my wifes account on the Monday but didn't arrive in my account untill Friday. I have asked the Halifax why it takes so long to clear cheques they said it was because they get so many dishonoured cheques and that it was there way to stop this from happening.

Theres nothing to be scared of. I'm enjoying writting acidic letters to the bank makes a change from getting them:D

I asked the Halifax for a breakdown of the cost they incur when I have a returned DD or cheque. They surprisingly refused to supply me with this breakdown quoting the data protection act. I thought that I was entitled to view all things that afect my account. On another thing I mentioned to my brother what I was doing he was very sceptical about my chances and said that when I joined the bank I knew what the charges were and agreed to them so why should they give them back. I will prove him wrong. I'm just waiting for my law pack to arrive then its off to court

I just received a letter from a Paul Mcgready basically telling me that they have the right to pass on the charges on to me that they incur when having to deal with returned DD and cheques. I am going to send them the following letter but would like some opinions first: While I understand your argument about the cost involved and passing them on, I find it very hard to believe that these costs amount to the sum you cherge to my account namely £39 for a returned cheque and direct debit and £28 for going overdrawn. I would very much like to see a breakdown of the cost that you have incurred. I would also like to point out that your goodwill gesture was not refused out of hand, I did say that I was prepared to accept it as partial payment. I am unhappy with your decision to not refund the full amount of my claim and now I believe I have no option but to pursue my claim through the courts.

Hi phillipsliane I sent a cheque with my request had no problem. It took two weeks to get my statements.

Had a phone call from someone at the Halifax ( I think his name was Paul). He told me that they were sorry that I was unhappy but the Halifax had a right to charge me. He then went on to say that they were prepared to offer me £255 in settlement I told him that my claim was for £2899 and his offer was way below that. He then went on to ask me if there was a figure that I would accept that was below the amount of my claim. I told him no but I would accept the £255 as partial payment. Funny enough he was not willing to do this and told me that further correspondence will be done in writing. I seem to have rattled a cage:D

I decided to send a copy of my letter by fax and email. So there wont be any excuse of we didn't get the letter.

Sent the LBA today with an up-dated list of charges. Lets see what happens now. I see on other threads that some people are dealing with head office, I am sending my letters to my branch. Does sending letters to head office have an advantage?. I cant help thinking when I see the Halifax adverts ( the big number musical ones), the money I pay in charges have helped to pay for this b******ks. Request for payment sent 22/08/06 LBA sent 12/09/06

Right its Friday 8th September and the only reply I have was the standard letter and leaflet. They have had there 14 days so I will now send them there LBA and see what that does. It feels good to send an aciddic to the bank

I have no worries until it comes to filing at the courts then the nerves will rise a little, but that wont stop me. My wife is a little sceptical that this is going to work

So the game begins. One week after submitting my claim I receive a letter from the Halifax saying how sorry they are that I'm not happy about being mugged over these charges. They also included a little leaflet for me to read. I kept the letter threw the leaflet in the recycling bin. They have until 08 August before they receive my LBA.