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That`s my last one sea-side lady, and thanks for the congrats.

Thanks money the timing couldn`t be better as it`s starting to bite after being on the sick for 3 months after breaking my back,chest and neck bone and my little finger in a fall at work, i got the good news after returning home( and feeling not too much pain) after my first day back at work. I was starting to flap a little after lloyds won as i thought all the banks would play on it and if possible drag it out even more. Good luck to you and everyone else reading and thanks for your help.

Claim No:7QZ 63261 Yesterday the Halifax have settled my full amount totally out of the blue ,just a week after sending my partner a letter saying she had to contact them (it was just after the lloyds win so i immediately thought they would cite that and try to pressure us out of it) I tried contacting the customer relations manager the following tuesday (as i`m doing the claim for the missus )but they said i had to write a letter to confirm i could act on her behalf, before promptly paying up in a letter only three days after our conversation, although this was sent from the Halifax depot and not Leeds .It seems one department doesn`t know what the other is doing. Anyway the letter said although they didn`t admit the claim it was not in their interests to defend as it`s in the small claims and they can`t recover costs. I`m pretty relieved it`s done as i thought the banks would draw it out even longer now that lloyds won.

After ringing up last Monday to see if i could talk to the customer relations manager they told me i would have to put in writing that my partner (whose account it is ) gives me permission to talk about her claim. So i thought okay i`ll get thaty done, but only four days later the head office wrote me a letter saying they had not admitted the claim but would pay it in full as it is not cost effective to defend as it`s in the small claims court .YEEEEEEHAAAAA! Also has anyone found about the mystery £5 deductions?

Can anyone shed light on my last post?

Just recieved a letter from Helen Martin the customer rel manger in Leeds asking me to contact her regarding reaching an amicable agreement over my complaints. The problem is i`ve done it all so far and my missus has not got a clue regarding the claim. Does anyone think they will speak to me about it? Also has everyone else started to recieve these letters from the Halifax just after the lloyds tsb win as i think she is going to refer to this and try and talk me out of it or try to give me a lower amount,any feedback appreciated thanks.

Has anyone found out about the mystery £5 monthly charges mentioned earlier in my thread?

Got a letter off Mr Lyttle today offering a "goodwill"(yes good for them as it`s short by half nearly) full and final settlement of £347. After studying the rejection of offer letters, I have gone for letter 3 as it`s only 2 days before i was due to file a court claim. I have given him a little more time (4 days) to respond to my letter as ideally I would have liked to have made rejection by phone but i`m acting on behalf of my partner and she would not be comfortable talking over the phone,and i don`t think they will discuss it with myself or can anyone tell me any different?

Thanks for that jaxads and a happy easter to you.

I had ten charges of £5 (only when there was no penalty charge that month) between 23/3/01 and the last on 30/9/02.

Can any mods help please re the mystery £5 charges mentioned in this thread? As people have enquired to the halifax and they have no idea either. Thanks

Well it`s L.B.A day so i will get that sent off with an ammended schedule of charges (i missed out two when scouring the many,many,many statements)it will be okay to mention about it in an attached letter in my L.B.A won`t it? Sorry for no replies to my last two posts but i wasn`t notified by email about them. Surely somebody knows what these charges are for, as everyone seemed to get them. I also only got charged(the £5) in the months when no penalty charges were made.

bloody hell!

The only thing i can think of what i did that reguarly (before online banking) was to get statements out of the cashpoint, but surely they couldn`t charge £5.00 a month for that.As for copy statements i cannot think of requesting any at all same with the cheques.

So it looks like nothing that can be claimed for,oh well.

Thanks for that advice, 1.The monthly £5.00 fee i said i thought was an account fee ended on 30/9/02 so maybye not a fee(but it`s a bit low for charge) So has anyone any idea what that will have been?Or should i ring the bank and ask? 2. When looking through my statements i noticed i missed off two charges of £33, any one any ideas on what i can do with that balls up?(i`ve already seny my prelim letter and schedule) Jaxads your right when you say Halifax seem better in respect of paying up ,but i just got back the standard letter saying they intend to adress my concerns within 4 weeks but they are entitled to eight , so it looks like i`ll be sending off an L.B.A when 2 weeks have passed .After reading a few threads it seems a lot of people have been made offers almost immediatley (why not me?paranoia kicking in,but on the upside it`s more money if it goes to a claim yeeeeeha!) Thanks for any replies.

After recently winning my money back off lloyds i decided to go to the missus` c/acc and sent off a S.A.R . I got it back today only to find it differs from the one lloyds sent. As it is not just the charges and reasons for them, but full statemets that only say charges as notified. Which look like £5.00 (account fee i presume as it`s at the end of every month) and also some say "charges as notified £33. £1.90 interest debited-notified last month" So my questions are 1. Do i just fill in the first simple spreadsheet column as charge with the date. As i am only presuming it`s a penalty charge because it goes into no detail on the statement. 2. Is the "Interest debited £1.90 - notified last month" classed as the overdraft interest accrued by those charges. Therefore enabling me to add those to my claim (at the appropriate time,after the lba i think or is that just the sec69 8% interest, oh lordy lordy im all confused again lol) thanks for your replies.

I thought i had seen one by gary at some point thanks for that, did you see the banks sweating on Trevor macs show tonight(tee hee) Everyone now knows what we have for some time that £4.50 is what it costs to return a d/d or s/o etc. And according to the show they seem to think in March the O.F.T will either rule in favour of a return of the monies levied without all of this hulabaloo or more in favour of the banks,either way i best get a S.A.R request into my fiancees Halifax account sharpish and my result this week gives me a lot more confidence to do so. I suppose thats one good thing about being off, I can now devote quite a bit of time to this new one and get more less everything in the early dialogue printed off ready to send off (and hopefully make a few less, no no more mistakes although probably not knowing me l.o.l)bye for now everyone and thankyou.

After looking through the letter temps i cant seem to find a letter to send to the court telling them they have settled (in payment only) i was wondering if i need one or will a phonecall to the court suffice? Thanks.

Is there a template letter to send to the court telling they have settled (in payment only) or does a phonecall to the court suffice?

After a very bad last week (fell off a roof breaking six back vertbreae my chestbone and little finger for good measure) i got some great news when checking my account online THEY ONLY BLOODY PAID UP!HALLELUJAH. So i would like to thank everyone who has posted on my thread and other usefull threads, also the moderators and especially Gary H who has given so much of his time and effort to help others who are not so comfortable dealing in such matters. THANKS AGAIN! The other thing is it was paid in on the 19th of this month but as it seems with others there has been no correspondence from S.C.M(who are ye,who are ye) or Lloyds telling me of there intentions. Although im off for a good 2 months a least (with flat wages)i will still be donating to the site as it would not of been possible without the templates , legal knowledge and expert advice passed on so brilliantly.

Gary thats tremendous i will read up on that lot ,and will now feel a lot more confident going into the hearing thanks again.

I got a letter this morning from the court saying 1. This matter is to remain listed for hearing at court for the 12/3/07. 2. No judgment to be allowed. So it looks like i should get the new draft order ready for then, also has anyone been to a directions hearing ? Just to know what is expected of me and what i should take along.

Me and many others are benifitting greatly from your and the sites help, so i will definitley be donating (if,no when i win)