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About mrflib

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. I am, to the day, in exactly the same position as you with halifax. Race to the finish? Good luck!
  3. Halifax yesterday acknowledged the claim, giving them another 28 days to defend. Such a waste of time it's unreal.
  4. You might as well request all 6 years of statements, it's better to know your position as well as you can. If you follow the standard routine advised by this site it is hard to go wrong. You should now send them a Letter Before Action (can be found the in the templates section of this forum) advising them of a date you will file a claim if they have not paid in full. Tell them this is the LAST letter they will recieve from you. They may well up your offer, they may not. With Halifax to get your charges back in full you WILL need to file a claim. Make sure you do it on the date you sa
  5. It doesn't actually matter, mate. All you need to do is stick to your guns, adhere to the deadlines you set and continue claiming for the full amount. Send them a LBA with a clear date as to which you will file a claim against them. They may well write you another offer, they may not. Either way, you WILL need to file the claim and make sure you do it on the date you said you would. Only at this point can you add 8% interest on what you're claiming, so it's probably an idea to work this out now using the spreadsheet so you're ready to go on the date of the claim. Good luck to y
  6. Moneyclaim form sent off, £80(!) court costs paid. Total claim now £649.57 including costs and 8% on charges.
  7. Halifax wrote to me again, this time offering £210 to settle the case "amicably". Court action starts on Monday! Here we go!
  8. What date are they going in? Sooner the better in my book. Tomorrow sounds good
  9. Phoned to ask what I wanted, I said everything. Accused me of being unreasonable. Once again asked the lady to break down the fines to show me how they reflect their costs - she said that she couldn't, and apparently nor could her manager They offered me £150 as a final settlement, I declined.
  10. Sounds good, they can't really ignore that. Then again, they can
  11. Tell them to take a camera! Put a request in from me to take all their desks. haha!
  12. I would aknowledge his letter and respond by saying you will be taking them to court in X days as stated in your LBA. Give them some time to reconsider, although I doubt they will. It seems you will only get all your money back after you file your claim. Maybe you can state you know Halifax will pay when you do this, so offer them to chance to save themselves money, and your time. Then again, taking them to court sounds more fun! Good luck to you
  13. Ok, sending this letter today. I added a paragraph in frustration, I hope this will be ok.
  14. Got an offer of £70 today. I have just sent off the LBA demanding the lot. Fingers crossed!
  15. Received standard garbage letter saying they'll be in contact within a month. I take it I should just ignore that and send them another letter on the date I specified.
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