OK....so the bank previously offered me £498, now after sending my LBA they have upped the offer to £1,229..not bad but not good enough time to prepare my court proceedings and see where that takes me.

All a bit messy really, sent LBA before sending rejection of offer but as it happens I checked Royal Mail's Track and Trace online for the recorded items sent and they have no signatures that they were received! So now got to file a complaint with Royal Mail. At least I can now send Rejection of Offer and LBA again...but this has caused major delay......Track your letters if sent Recorded or Special Delivery to avoid any unnecessary time delays!

Recieved standard letter full and final settlement offer £498.00. Needless to say it's not good enough! Sending LBA tomorrow, will stick to the deadlines, I'm far too lenient obviously, not any more!

Sent Prelim request, minus interest...(thanks), received acknowledgement of receipt, the case is being investigated and I should hear within 4 weeks. Standard stuff I should think.

Received my missing statements by special delivery after sending gentle reminder on 6 Oct Total sum owed £2,478 Time to send Prelim Request for Repayment

THANKS AD I think I might well find that that info will come in usefull in the near future....lol good luck with yours Degsy

Hi All Sent my S.A.R - (Subject Access Request) to halifax on 03 August 06. Received back incomplete, so sent request for missing statements on 08 September 06, As yet still no reply so sending another request today (06 October 06) giving 14 days to comply or will submit complaint to the Information Commissioner and begin County Court action. I think I have given them more than ample time to fulfill my request, we'll see how it goes from here! Keep you informed, don't let 'em get you down, no more Mr Nice Guy!! Good Luck

Hi All Sent my SAR to halifax on 03 August 06. Received back incomplete, so sent request for missing statements on 08 September 06, As yet still no reply so sending another request today (06 October 06) giving 14 days to comply or will submit complaint to the Information Commissioner and begin County Court action. I think I have given them more than ample time to fulfill my request, we'll see how it goes from here! Keep you informed, don't let 'em get you down, no more Mr Nice Guy!! Good Luck