I have the opposite experience where as a businessman I have judgements in the Small Claims Court which are simply unenforceable. Often the debtor is self-employed and no attachment of earnings order may be obtained. Usually they are not homeowners so no charge may be made against their property. Bailiffs are the only option but the fees for a small debt are prohibitive and, in my experience, they rarely recover goods of sufficient value to cover their fee let alone the debt. So anything that relates part of the fee to the size of the debt makes sense to me.

Thanks for this helpful response. I am fairly familiar with making claims in the Small Claims Court. However as my renewal isn't until April I don't expect I can do anything until I get the formal notice.

Has anyone taken responsibility for forming an action group, maybe seeking a Class Action against Halifax, if that is possible? If so please advise me how to make contact with this group. If not, would anyone be interested in joining me in forming such a group? I would offer my email address but apparently I have to have made 10 posts before I can do that.