Cheers lucy - I shall do exactly that!!

They have left my account open so still going to use it. They have put a bit at the end of the letter along the lines of we reserve the right to close your account should you get any more charges etc but if they do Ill just move my money elsewhere - their loss!

Quick question. On Money Claim I have now got two options; The defendant has not filed an admission or defence to my claim (Judgement by default) The defendant admits that all the money is owed. (Judgement by admission) Which one would I choose considering Halifax have in their letter have said they have not admitted any liability??? Thanks in advance

Hi all. It was just over £3k with interest. Can't believe how quick they turned it round!!

Oh my god - Acknowledged and paid!!! Thanks everyone - awesome. I just need to sort out a couple of bills - climb back down of the ceiling then make my donation. Thanks again everyone - fab!

Ha ha. Nice. Lucy - would I try and blame you Hopefully - looking at some other posts today I should be with a week of getting my money back!! Can't wait!

Ok - just to update everyone. I have issued my claim online last night - I could not fit in the schedule of charges (not enough room online) but was told that if they require these they will ask for them. I basically copied the information from the Lucycat vs Halifax thread - thanks again lucycat for the help. She got her settlement yesterday so I think I have done everythin correctly. Today I checked on MCOL and it has been issued - so 14 days for Halifax to respond and counting. Fingers crossed - I shall update accordingly. Good luck everyone else!

"and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.87." That part in fact - I assume thats fine to leave out....

Fantastic news - claim going in - I have copied yours MCOL exactly apart from the very last part - daily rate £0.83 bit - not sure what that was so left it off! Congrats again! Gonna hit submit!

Lucy - im at the exact same point - hovering at the point of particulars of claim but I dont seem to be able to submit my schedule of charges?? How did you get round that part?# Cheers

Hello - me again (sorry!) Thinking about all the advice above - I think I may just file the case with Moneyclaim. As Mechs mentions It will only be applicable if they go to court. arrgh - im on the precipice and not sure what to do - but i'm bery excited by it all!!!! :o

Ok so I think I understand. The letter template (below in green) however mentions no extension to the deadline as mentioned in my LBA. As that deadline is today shall I just ammend that paragraph to read (directly below) or leave as is? Thanks again!!! "My letter before action sent previously indicates that you have until 12/09/06 to respond before Court action commences. I am prepared to extend this until 19/09/06 as a result of your offer." ___________________________________________________________________ Dear [named sender or Sirs] Thank you for your letter dated xx/xx/xx I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale. I trust this clarifies my position. Yours faithfully ________________________________________________________________

Sorry Mechs - so are you saying send in my rejection letter first - then claim. Or just go ahead and claim? Thanks

Ok folks. Today I shall be using Moneyclaim online to make a claim against the Halifax. As I mentioned before I have not officialy rejected the offer I received from Halifax. This was sent out after my LBA. I was going to just ignore it and proceed with the claim however the last couple of posts have made me think I may have gone wrong slightly. Can someone let me know if I need to to respond to the offer before proceeding with the claim online? If so does it matter that this will take me outside of the 14 day window which I have specified in my LBA? Thanks folks for all your help!

Hi Dayglo - I have already sent in my LBA and am about to start legal procedings??