Thank you Wife&I, I will be filing this morning so wish me luck.

I will be filing in the County Court tomorrow and I have one urgent question as the Guy on the phone at the Court doesn't know the answer. I was advised yesterday by the court to include the 8% interest in the value section on the 1st page of the N1 form, as it will be the total of my claim, but, the template letter for particulars of claim states: 5. Accordingly the Claimant claims "a) the return of the amounts debited in respect of charges and interest in the sum of £xxxx.xx" "c) interest pursuant to section 69 blah blah blah" So in my particulars of claim I have one figure but the value on page one already includes the 8%. What do I do? just put the value of claim without the 8% in the particulars and leave the total on page one including the 8%? Thanks in advance

Further to my above post I have just received a phone call this morning from the Halifax, saying they received my refusal of offer letter ( sent 18/9/06) and that I would not get anymore written responses and to take my claim to the Ombudsman or Court! Can anyone tell me how to add my schedule of charges to the online claim?

hello everyone 1st letter sent to Halifax 4/8/06. received letter acknowledging complaint 9/8/06 LBA sent 26/8/06 Received offer of £230 on 30/8/06 in response to 4/8/06 letter Refusal of offer sent 31/8/06 received on 13/9/06 "in an attempt to reach an amicable solution to your complaint" They are prepared to increase their offer to £682 (almost treble their first offer) 17/9/06 sent refusal letter (see below) "I will accept the sum offered £682 only as part settlement and on the clear understanding that I will persue recovery of the remainder, with a County Court Claim if necessary" I am now waiting with baited breath for their response. As the time limit ran out on the 15/9/06 ( I was generous and allowed them 14 working days) What do I do now? Do I proceed with court action ( don't have the £120 cost at the moment) or wait for a reply to my 17/9/06 letter? Thank you in advance, this site has been a godsend with so many knowledgeable people out there. I wish you all the best of luck. P.S. Managed to open another account today, only a basic one, but it includes full online banking facilities, which will help no end when I switch accounts. P.P.S. I am also being helped by the CCCS because of the spiralling banking charges. Absolutely marvelous people, if you haven't sought help and you think you need it , check out their site, c-c-c-s.com very,very,very nice people.

Hello everyone I'm not sure if this is the place to start, but here goes. First letter to Halifax sent 4th August reclaiming nearly £2500. 9th August letter acknowledging receipt of my complaint LBA sent on 26th August 30th August offer in response to 4th August letter for £230! Sent refusal of offer on 31st August 13th September " in an attempt to reach an amicable solution to your complaint" they are prepared to increase offer to £682 (almost treble their first offer!!) 17th September sent refusal (see below) "I will accept the sum offered £682 only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court Claim if necessary. I am now waiting with baited breath for their response. As the time limit ran out on the 15th September (I was generous and allowed them 14 working days) what do I do now? Do I proceed with court action (don't have the £120 it costs at the moment) or wait for a reply to my 17th September letter? Thank you all in advance, this site has been a god send with so many knowledgeable people out there. I wish all of you the best of luck. P.S. Managed to open another account today, not a full current account just basic, but it includes full online banking facilities which will help no end when I switch over accounts. P.P.S. I am also being helped by the CCCS because of the spiralling banking charges. Absolutely marvelous people, if you haven't sought help and you think you need it, check out their site Welcome to Credit Card Consolidation Services / Credit Card Consolidation Services very, very, very nice people.