Hi Jen I used an address of a property I own in England, however you could use address of a friend or relative. The UK mainland address is only for the purpose of serving papers to. Hope this helps Also, dont accept their first offer, they WILL pay in full, but beware A & L (not Halifax) will close your account a few weeks later, so have another account ready to rock and roll !!

SETTLED IN FULL !!!!! Cheque in the post this morning !!!! MODS PLEASE UPDATE THREAD AS WON !!!!

yes in total from first letter. Stick by the timescales, issue your letters bang on 14 days irrevellant of what communication you get from bank. Its simple !

Honey28 I lodged mine with laganside first but they told me to lodge in UK if i could as NI small claims limit is £2k. I have a property in UK, as you need a UK address for moneyclaim, so used moneyclaim like everyone else on this site and it worked a treat!

I have a mortgage with Halifax and several account. Just managed to get £2700 from them today for charges over last 6 years on a current account !! GO FOR IT

Brad go for it, its easy, just follow the step by step guide. I have £1700 with Alliance and Leicester to come this week !!!!!!

Great, survey and donation made A & L should be paying out this week also !!!

Fantastic How do i change the title of my thread to refect I have won? Donation on way ..

Well Just checked my account and GUESS WHAT There are two credits in cash today, totalling the £2700 I claimed !!!!! So it looks like I have won !!!! Will await some form of paperwork from Halifax, I have whipped the cash out of the current account and elsewhere !! Thanks All

fingers crossed meled !!

Just recieved the Acknowledgement from moneyclaim today, halifax intend to defend the claim. Is this normal?

Halifax now have acknowledged claim fingers crosseed !!

Hi All Just completed my claim against A & L today for £1600.00 will keep you all posted !

Quick update folks Small Claims Process started, the limit for small claims here in Northern Ireland is £2k plus costs and interest, so claimed £2k plus court costs and interest. Will keep you advised !!!

Thanks Michael For the sake of a few days I will wait until 29th then issue the claim Cheers

Hi All Halifax just written back and said they dont owe me anything relating to this claim so thats the end of it as far as they are concerned. Do I need to wait for the full 14 days from first sending the LBA or can I file the small claim today! Thanks

Thanks Clayts, from what i read i understand that to be the case. I am in Northern Ireland, and the small claims limit is £2k, plus interest and charges. so my claim will be for the full £2k plus interest and charges !!! Will keep you posted on developments

Just had the man from the Halifax on the phone this morning offering £250, I said no, so he said his limit was £500, I refused that also saying i wanted FULL refund. He said he would put his offer in writing anyhow, and if i wanted to persue full amount then I would need to go to court where Halifax would defend any claim ! Another 12 or so days until I can start small claims process!!

Thank you Michael.

Received reply today - standard letter saying they will reply within 4 weeks. I am going to send the LBA on day 15 anyway as they has not settled, is this the correct procedure? Also should i send the LBA to the branch, thats where i sent the first letter, or to the address in Leeds where their reply has just come from? Thanks

Well now 12 days since I sent Halifax first letter, it went special delivery, so i know they got it. Is it common not to receive a reply? Anyhow prepared second lletter today, just need to wait a few more days before posting.

Yes the Small Claims limit of £2k in Northern Ireland is a biit of a pain, but remember is £2k limit, excluding interest and court fees. Also, you can now process your claim online in Northern Ireland with NI Courts Service Mark

Thanks Preparing my attack on the Ulster Bank as we speak!

Hi all Been inspired by peoples stories on this website and decided to look at my Halifax account, WOW over 6 years I was charged £2,053.00 in chages. So, First letter written today and in envelope ready to post by special delivery tomorrow ! Branch in question is Halifax Middlesbrough, anyone else dealing with that branch? Will keep you posted.. PS. ANYONE CLAIMED AGAINST ULSTER BANK IN NORTHERN IRELAND? I WOULD BE INTERESED TO HEAR FROM YOU!!!

I cannot be the only person in Northern Ireland on this website!!! But the banks here have been getting away with fees and charges in excess of UK banks for years. I have the ULSTER BANK in my sight, anyone else?? Ginnser