Thread moved to Lloyds.

You still claim them back from Halifax. Have they sold on the debt or is it an inhouse DCA? ..... is the amount they are asking for made up of bank charges alone? The shouldnt have passed you onto a dca in the first place, your account was in dispute. If you can clear those points up for me, I will check back tonight.

In responce to your question, Halifax are pretty good at paying up more or less at the stage you are at, however that could all change, they may decide to engage new tactics and file a defence and drag it out a bit longer, I would prefer not to give you a timescale as you may be disappointed at the end of it and still be waiting. Sorry!

Please can you stick to one thread per claim., I just came across your new thread and it is very difficult to advise when I cannot see what you have done previously.

I can only second what the above poster has said.

Moved to Barclays.

Yes you can claim the £10.00 sar fee and also 8% interest but only when you issue a small claim in court. How far has your claim got? What have you done so far? Please can you pop over the the lloyds forum and start a thread there about this? We will then go from there.

So, while you were claiming, they passed your account onto a dca? They shouldnt have done this as your account was in dispute. The best thing to do is go to the halifax forum, start a thread there about this and we can go from there.

Excellent news! Well done!! I will merge your posts for you! Can you pm me as I can give you an alternative way to donate if you wish! Could you also kindly complete the survey if you havent done so already? Well done again

Well, they have paid up as promised, didn't arrive until Friday, the cheque was also £3.76 short, when i queried this I was asked "You are going to complain about a couple of pence???" The lady on the other end of the telephone couldn't seem to understand they fact that this is my money, I did ask her how I wondered if I rang them last feb and explained my car payment was short by £3.00 this month would it be ok as it was only a couple of pence...she didn't reply! I guess that was my answer! So, yup, I have won, fab, I am half debating for a bit of fun, pursuing them for the other £3 odd, the fact she made a remark like she did on the phone makes me want to. Happy days.

Bank: HSBC Bank Plc Claim number: 6QZ85837 Issued: 20/11/06 Court: MCOL Charges: £2559 Interest: £204.72 Costs: £120 Total Claim: £2883.72

I really enjoyed it, I thought it was really informative, very well put together, I actually thought there was a good balance between music and voice, well done Adam.

Ok you add the 8% interest at court stage, not before. Don't feel nervous about the next step, read plenty before starting it and you cannot make any mistakes if you know the process backwards in your head, if you are asking this question at this stage I would recommend you read up alot more before going any further. All the help you need is in the library section and in the faq's Hope this helps

excellent! very ironic Lizzy! Keep me updated.

Update, I rang Online finance this afternoon to ask them whether they would like me to save possible embarassment of baliffs, me and a camera crew coming to see them if I issued a warrant of execution to get my money back..I told them that perhaps it was better all round if they just paid up what they have been ordered to without further delay. I was on hold for 5 mins and then was informed that a cheque will be raised this afternoon and signed by the manager, I should have it Wednesday at the latest, we shall see, hopefully though they will follow through with their promise and I haven't got to mess around with County Court Baliffs. Happy days.

I have tied your two threads together, please stick to one per claim in future, it is much easier for us to follow and help you that way!

2 Threads merged, please stick to one per claim. Thanks

Comments on this thread are not helping the Op. .. therefore I am closing this thread. CAG does NOT condone violence in any way,shape or form.

Thank you.

Even if your rep is disabled you can still get points cillit.

CONGRATULATIONS!!!!!!!! Will move it for you now.

excellent news i hope so ben!!! Melly, come on update us!

Defence received, nothing strange, although they are disputing some charges that predate the 6 yr limitation rule, there are only a couple beyond it by a couple of months. AQ has been filled in and will be popped in post tommorow.

AQ was returned and a copy sent to Lloyds Solicitors. Have received their AQ this morning, suprise suprise they have applied for a postponment for a month...

Yes whether they decide to now charge £12.00 is their problem, in fact that was only a recommendation by the OFT not a ruling, so you are reclaiming in full each charge they have debited from your account.