well done !!!! got mine today aswell v happy girl now off to celebrate ruthieanne

got it at last checked acc today and it was there, no letter from them though but great to see money in account i'm off to celebrate :grin: :grin:

keep checking your account mine went in today at last no letter though.... hang in there it'll happen!! ruthieanne

still waiting but not so patiently now... reading around the forum and finding people have won their cases having had acknowledgements to defend after i received mine 13/10/06 do the 28 days include weekends or is it working days?

i'm still waiting too and getting anxious now missing fingers as well as nails!!!!

mcol issued 11/10 halifax got another letter refusing 'generous offer' and i included schedule with that mcol didnt want schedule until aq maybe fri 13 has something to do with it lol ruthie

still waiting to hear but still positive will take them all the way if I have to the support is greatly appreciated ruthie

Hi there my time schedule is the same as yours issued 11/10 ack 13/10 and no i've not heard anything from them yet either keep positive and be patient ruthieanne

it might be worth giving them a gentle reminder they'll be pretty busy with all the requests they've been receiving lol if it goes over the 40 days you can apply to courts for non compliance under the dpa......... i just phoned them and got them all within 2 days of my call

Hi guys quick update:mcol issued 11/10/06 acknowledged 13/10/06 not heard anything else.... it looks as though many have been settled within 7 days and now i'm getting panicky has anyone recently had a long wait following acknowledgement?

hi aardvark thanks for that bit of info I phoned mcol this am and they said the same thing. congrats on yours though they made a quick decision there. hope mine will be the same

well just sent mcol after finally finding the money!! i need to send my schedule of charges to the court anyone know the address? i'm sure i saw it earlier and now i've lost the plot blood pressure is now through the roof lets wait and see!!!!!!!!!!!!!

thanks you guys I've used the spreadsheet and it has totalled it at £162.92 so thats what i'm putting let you know how it all goes

aargh trying to work out my sums for mcol total charges claiming £1,946 8% of that is 155.68 now do i multiply this by 6 (years which makes £9934.08??????????) or do i submit my daily rate of 0.00022 which is £162.92? useless at maths and completely flumoxed

just trying to fill in mcol now i have written the following I have a contract with the defendant bank since 01-04-99, conducted on their standard terms and conditions. I am claiming return of money taken by the defendant in way of charges over the last 6 years and interest they have levied on the charges. The bank's charges are a disproportionate penalty, therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify charges but they have declined to do so. The claimant also claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 1-06-00 to 1-09-06 of £1947.98 and interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.00022 so if they bank are serving a default saying that I have not conducted the account appropriately and am in breach of the terms and conditions should i be panicking?? the bit at the top of the claim says the 'account is conducted on their standard terms and conditions' bit concerned about this default business HALIFAX BANK Data Protection Act SENT 16/06/06 PRELIM REQUEST SENT 7/08/06 £1,737.98 LBA SENT 23/08/06 £1,947.98 OFFER MADE 30/08/06 £260 DEFAULT NOTICE SERVED 5/09/06

Hi all quick update sent LBA offer of £260 made by halifax now received a default notice for £770 can they do this if they know i'm disputing the charges made? HALIFAX BANK DPA SENT 16/06/06 PRELIM REQUEST SENT 7/08/06 £1,737.98 LBA SENT 23/08/06 £1,947.98 OFFER MADE 30/08/06 £260 DEFAULT NOTICE SERVED 5/09/06

cheers michael a bit of reassurance helps alot

well long time no speak sent my prelim letter claiming back charges of £1,737.98. on 09-08-06 got a letter back saying that they received letter in their specififc dept 15-08-09 and that they will get back to me within 4 weeks... not good enough I think! now the 14 days are nearly up and I am going to send the LBA without any further conversation with them or should I give them a further week if they reckon they only got the letter on the 15th?

Hi Mechs I sent the 'Data Protection - Subject Access Request' letter 16/6/06 and received a bog standard reply acknowledgement, statements ordered and will be sent cheque has been cashed and don't know if I should be hassling them now. Do the 40 days start from the date on my letter or the date the cheque clears? I keep rereading the faqs and various threads but am assuming that since my letter was acknowledged the time scale is based on my 1st contact. its good to know there is a wealth of support within this forum:)

Thanks its nice to know that support out there and don't feel quite so desperate now thread started in Halifax forum i'll continue there

hello hope i'm doing this right battle with the halifax commenced 16 june and still waiting for my duplicate statements

hello hope i'm doing this right battle with the halifax commenced 16 june and still waiting for my duplicate statements