Enjoy! X

Hi guys My claim was filed last week, served yesterday (8th) and they paid up today (9th) - so keep the faith!! xx

OOPs forgot to say, pleae can a MOD change my thread to settled in Full - cheers

hi all So chuffed - halifax settled in full today. £721 plus interest plus costs. My claim was acknowledged 2 days ago!! Bear with it guys and keep the faith. Thanks for a great site and all the sound advice I've found here. Donation on its way. xx

I sent LBA last Thurs 13 July. I had no reply to my prelim. Still getting humiliating calls from them. Have you all experienced the same? My claim is for £600 on a card with a £400 limit - sad, or what? X

About time I started a thread in this forum. Sent prelim 2 weeks ago followed by LBA sent today. My claim is for £721. I had no reply at all to my prelim - is this usual for Halifax? Mucka x

Thank you for your quick response - it's good to know there's someone out there!!

Hi all I filed my claim last Friday and it was issued today. However I received a letter today in response to my LBA and a couple of paragraphs gave me cause for concern. It may well be a standard letter - you tell me. Here are the paragraphs: "The Financial Services Authority (FSA) governs Abbey, and they overtook our Terms and Condititons to ensure they are legal and fair. As such, charges incurred under these terms and conditions are not unlawful, they are valid. When you opened yor acount with Abbey you were provided with this documentation and accepted them, and the penalties if you breached the terms;. Then... "Charges are one way of deterring customers from making regular payments when there are insuficient funds to cover them. " This suggests to me a punititive aspect to charges. However, like I say. maybe you've all had this letter - but I felt I should express my concerns. A couple of other questions while I am here - My claim was issued today - do I need to send hard copies of spreadsheet detailing charges to the Court/Abbey?? Please help - at the end of my tether. This is taking over my every waking moment.

Do I need to do anything else at this stage ?

Well done! You stuck with it and won. Congrats:D

Quick update: Begged my Mother's credit card for the court fee - have given her a cast-iron guarantee that she will get the money back when Abbey settle. (gulp). So anyway, claim submitted. Claim No. 6QZ46595. Gonna have a glass of wine now to celebrate having got this far. Wish me luck

Thanks all - your help is appreciated. I've got the form all done now, but may have to wait a few days to find the £250 for submission. Will keep you posted.

Thank you - the bit about court fees was my next question, so thanks for pre-empting that. Will it still go through small claims do you think??

Would anyone like to help with the next bit? Interest - I know everyone asks this, I've read about it in so many threads, but still don't get it! I'm claiming for £4915, so with interest calculated at 8% = £852.68. So the bit I don't understand is this bit: "and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p This is the amount you're claiming multiplied by 0.0022)." What do I put here?

Thankyou - and congrats on your win...I'll be sure to have a read through your thread!