Sorry Megan...I read your post wrong !!

I find it highly unlikely they would give you a chq for all your charges and leave a balance on the account. I imagaine they are quite within their rights to clear off the debt first...similar to a bank over draft I guess

Baz

Hi,

I dont know the exact answer to your question, but my letters from C1 stated that the card balance would be cleared and a chq would be sent for the balance owing within 14 days. They also didnt close the accounts...as if I would ever use them again !!

H there,

I am reading your thread with intrest as i;ve just changed mortgages and would like to claim for BM too

Hi,ated

If they keep ringing..just have fun. I once took on of their regular thurday night calls and just repeated everything that the male caller said...he was so irritated he put the phone down...childish I know, but hehe..it was fun

Baz

Haven't posted since victory over Halifax last year....started on Cap 1 and monument ......

CAP 1

Sent 1st letter .....mar (both accounts...wife and me)

Second 14 days laster...I got some guff letters offering me 50 quid or so...turned them down flat

I issued both claims on MCOL on 21/4/2007

The usual stuff... issued, acknowledged....and the most fun were the regular 7 day phone calls demanding payment...These varied speaking to the most bad mannered opinionated gits you would ever have the misfortune to speak to...and the nicest people you could talk to.. My all time favourite went something like:-

THEM: "So can i ask why you are claiming these charges back?"

ME: "Yes I can"

THEM: "So are you going to tell me then?"

ME: "Yes"

THEM: "Then tell me"

ME: "Because I can"

THEM: "What?"

ME: " I am claiming them back because I can"

THEM: "OK, well you still need to make a payment on this account"

ME: "Why?"

THEM: "Because it is overdue"

ME: "Its pointless really, because you owe me more than I owe you"

THEM: "Oh...ermmm...ok...I'll note that on your records then"

ME: "You do that...thank you for the chat...speak to you next week..byee"

Anyway to cut a long story short the MCOL showed both accounts as 'defended' today and I must admit I panicked a bit...UNTIL...I got home. There were 2 letters from CP 1....along the lines of ...there is no case o answer, you cant win, we dont agree with you, the chages are fair...but were paying you anyway.

WIFES ACCOUNT - 349.00 NOW 0.00 (Chq in post within 14 days for 252.00 for cr balance)

MY ACCOUNT - 278.00 NOW 0.00 (Chq in post for £523.98)

monument accounts next....dont give up Boys and Girls....Keep the faith

I´m on hold in Ibiza and I just checked my phone banking for the millionenth time......sitting by the pool ....and I have had 2 lots paid into my account 3330.00 and 880.00 in interest.....I CANNOT BELIEVE IT....CHAMPAGNE TONIGHT !!! Please do not give up...and tell your friends....you can all do it....donation when I return....MODS...can you please change the title of my thread to

I WON !!!!!!!!

Thanks to all on here who have helped me...you are all stars

PS...the people in the bar where this computer thingy are think I am mad...lol

Well...its now the 17th Aug & still no sign of any money....I am now starting to get nervous....I also have very worn keys on my phone keypad...the worn ones are

08457203040......ring any bells (pardon the pun)

Baz

Hello all,

in the cases of you lucky folk who've be paid, what time did your payment come through ? It's just I must get out the habit of ringing online banking every 15 minutes...The people at work think I'm mad !!

Cheers

Baz

Filed MCOL on 8th Aug

Showing as issued..

MCOL now showing as acknowledged on 11th August after 4.00 pm

Letter from the court, with attached acknowledgment, saying the Halifax intend to defend !!

Oh God, I think I have invented Y Front Nappies !

Please, I need re-assurance that this is standard. Say nice words people, even if you dont mean them .lol

Baz

Just checked mine ...nothing yet !!

BUT...

CONGRATULATIONS !!!!!!!!!!!

they acknowledged my claim after 4pm yesterday.... lets race to the finish !!

The suspense is killing me !!

Have you heard anything more ?

Baz

x

LOL....sorry David !!

Test Cases ? More like Basket Cases

Baz

I filed in MCOL on 8/8/06, and it is showing as issued...How do the Halifax acknowledge this ? (Online ?) and what's the current timescales for payments?

Just impatient & curious

Still showing as "Issued"....getting jumpy now. What's the bet I'm the bloody test case, and have to go to court ? Just my luck...

Checked Money Claim site, and claim is now showing as issued on 8/8/2006. Would anyone care to hazard a guess whether I'll have this money for my hols on 21/8/2006....?

After a great deal of teeth gnashing Money Claaim is done...Checked with the Halifax to clarify HQ address & was put through to a customer services guy. He asked if it was re: a claim and promptly offered me £735.00 in full and final settlement. I accepted, but only as a part/interim payment and the claim would be proceeding...If they think bank charges are fair and legal...then why the hell are they offering fairly large sums as re-payments ? I am now going to battle...wish me luck

Right......still heard nowt from the Halifax. Its time for MCOL...can someone point me in the right direction for step by step procedures to do this ?

It would really be appreciated.

Also, are the Halifax paying out more quickly now ? I noticed some folk are getting paid only a few days after filing moneyclaim..

Ok...here I am again, and only 5 days before Money Claim. No more word from the Halifax. Am I really surprised ? Still, onwards and upwards.

Capital One demanded £10 for a list of charges on my account, and gladly sent them FOC for my wifes !! Theres consistancy for you !

Strange reply from Monument though. A full pack of photocopied statements sent free withinn a week of request, and a covering letter telling me I couldnt claim anything back, and I agreed to their terms...blah blah blah...I think they know whats coming next..lol

Will keep you all posted. Off on holiday to Ibiza 12 days after the moneyclaim to Halifax ...hope a have a nice surprise to come home too

Nat West cards arrived for parachute account....Isnt it good when you start to look forward tot the post !

Can anyone tell me the rough time scale...only had one offer so far..and LBA runs out in 10 days...am i liable to get another ? And if i file on Moneyclaim on or around the 9th Aug...then how long then ?

Opened a Nat West step account..applied for the form. Arrived last wednesday, off thursday....letter through the door today with new account details...Debit card to follow....I have a poor track record, but this was easy

Bit of an update.....I was a bit worried about having no parachute account, but true to all the advice given on here a Nat West Steps account has been opened for me Pretty basic...but it has Debit Card, SO's DD's.....Link Cash Access....So now I feel better !! Role on 8th August.....claim day

Thanks for that.....this is the bit I haven't been looking forward to..the long wait

Well they should have my LBA now....What should I expect now ? Any ideas ?

Yep...just do that. You accept money as an interim/part payment and crack on with your LBA. Just stick to the timelines...make sure you've given them 14 days. Just as a matter of interest how much is yr claim for , and is the 480.00 your first or second offer ?