Well money is in account, and they are only £17 short - which in my eyes is good enough (certainly for the amount of hassle it seems to be to get them to pay out this measly amount) as i paid more than this for a round of drinks to celebrate not going to get that excited by it. A word of caution for others - the MCOL i copied didn't specifically mention the refund of the SAR fee and they are taking an aggresive tone that if its not in the little totals box on the MCOL they ain't paying it. I know that we could say that it is my money etc. but in my book £3444.19 is a great return for £17 and 5 first class stamps. Good luck to you all and hope you are as hopeful with the sagas ie Zenith69uk vs ...... lol i'll keep you on tenderhooks.

seen that thanks shaz

Just for the record, I sent all mine to Trinity Road, and always first class mail and they managed to reply to them all!!!!

Sorry just read the question again and would make the point that why do scottish small claim s and summary causes when you can do an english small claims for the whole amount - looked at it and the solution I came up with was to do an english small claims. 2 things to remember that even with all their might the banks are just shoring up their defences on this and that not everyone here has the experience to say yay or nay to anything - I went english small claims and got it paid out in 1 action, if ihad gone scottish summary cause I would be only halfway through at this point. Good luck and will watch your case with interest.

Bearing in mind that I have been out celebrating my win against the Falihax how cool and informative do i sound in those last two posts. Again thanks to everyon who has helped me with their posts/FAQs/How to pages.... means a lot to me

sorry continued.... a.that you have an english address that you can use. b. that you are happy to travel to england if it comes to court (hasn't happened yet that i am aware of) apart from that they get you to sign your contract or terms and conditions under english law so no reason that you should'nt go after them in england. the one concern that i have is that i used the the offer after lba as my judgement that this system worked, but i can guarantee that there are hundreds of folk who haven't had one. I genuinely belief that the halifax are now being flooded with these cases, and are probably taking on temps like mad. I have only done one of these and the mods or site helpers can help you more than i can. My advice is to follow the FAQs and the Rules of Engagement, and ask for advice if you are unsure - this site allowed me to get my cash back with no advice apart from reading the forum - HURRAH. If you want me to advise or send you copies of what i sent to them ask me here or in a pm.

Right 2 things. 1. I didn't get a response from them till the 11th hour. I think it was 2 days shy of the 14 days when i got my reply (which just made me say hurra, I can MCOL them early). 2. AS i was claiming for far more than the scottish small claims limit (4 and a bit times it), I went after them in the english court system. Now as there registered office is down there that is ok as long as you have a friend whose address you can use. MCOL (or claiming against them in court) is quite simple, the templates on here are great - but you are making a few assumptions: a.That

So need to go celebrate, lol.

£3444.19, THanks for my money back halifax. MOD can you please move thread to won section. Thanks for all the help and will do survey and donate when i get the cash.

Quick question: When/if HBOS fold and pay out the principle (& I argue with them for the 8%) will they also pay the court fees (£120). If not can i go after them for that?

Hurrah, was feeling a bit lonely. Thanks shaz

Well i got their sttlement letter in on saturday offering £975, it really gave me the confidence that this was going to work as it was exactly what i was expecting. My timetable was to submit MCOL on monday anyway (using a friends english address as I am based in Scotland). As you can see from my signature below I have now submitted MCOL and sent a settlement rejection letter saying i'll take the £975 without prejudice but i'll see you in court (I am paraphrasing). so hoping to finish this off within the next 10 days or so. I now have several friends who are also at different stages of this process. Still guessing I am doing things right - but would love at least one person to say well done you are doing everything right. Good luck to you all.

Well just got a response from halifax pooh poohing me, was fully expecting to recieve this but it does make interesting reading. Some quotes: "To summarise, you are requesting the refund of any default charges applied to your account in view of the recent media coverage surrounding the subject."....Not patronising in the slightest eh. "HBOS disagrees with the legal analysis of default fees outlined in the OFT's statement, published in april......At present the findings only apply to credit cards, so unfortunately, no refund of charges is due to you.".....Now if that isn't a clear indicator of the righteousness of our claims I don't know what is. Anyway shall be sending them my LBA as a clear response. teh wording of the letter implies that a Mr Liam Pollitt now holds a file on my case so am just replying to him. Chins up all

Well done mel, nice to know that I am only a couple of weeks behind you.

Well almost at the 2 week deadline for the PAR, I'm away with work when the next letter should be posted. So have prepared my LBA ready for posting next wednesday (will get flatmate to check mail for any response from PAR, though i'm not holding my breath for anything of any substance). Mildly nervous that I have not had any comments at all, am i doing everything right ? Taking the silence to mean that I am.