Hi Not sure why but I get e-mails everytime you post a thread sent to my address. Just thought you neede to know. Gibbs

Hi Folks, Got my first outright No today from BOS. However am I right in thinking that what regardless of what they say re- agreeing to their terms and conditions etc, because their charges etc have now been deemed unlawfull etc that I this actually relates to the charges they have already levied against accounts, so telling me I don't have a case is rubbish? Also have filed claim against Halifax and just wanted to check- although I know I am claiminf my court costs of £120 from them- if it doesnt go to court will they still pay the costs? Just wondering as If I have to file a claim against BOS also, the court costs will take a big chunk of what they actually owe me, and unless I get to court are they liable for this if they settle before court? Hop this all makes sense. Claire

Filed my claim for £4,425 last week, been notified today that Halifax are contesting it. Will it court does anyone think or will they back out at the last moment?

Just to let you know, I am claiming from all my cards, had a couple of offers which I have rejected, interestingly though not one have replied saying NO!!!!! Capital One settled in full today after the initial letter£248

Hi Folks, Have had telephone call with silly offer for £400 against charges of £4,125, backed up by a letter today with all the normal bla bla trying to put me off. I have already sent the letter before action, so I guess its time to ctart a claim going? Should I respond however accepting the offer, and laying out my intention to go to court to recover the rest? I would also like to (if advisable) state in the letter that I will give them 7 days to pay in full or I will beging a claim without any further communication. Would this be ok? Claire

Halifax called me today (Alan Molenyeux) Offered me £400 against my £4,125 in charges!!!!!!!!! Also advised me that the letter I sent (from template library) covered legal criteria for Credit Cards--not Bank accounts. Is this them trying to call my bluff. Both letters look identical to me!! I have told them I am seeing it through to the end. And fully intend to. Any advice or suggestions? Claire

Hi Can you tell me how to post comments etc. Have started trying to claim and just cant seem to find on this site how to post questions etc. Thanks