MONEY IN THE BANK Hurrrrrrraaaahhhhhh

CONGRATULATIONS, AND JUBILATIONS, I WANT THE WORLD TO KNOW IM HAPPY AS CAN BE Got letter from Halifax telling me money will be in the bank in 5 working days. Interestingly, they still havn't admitted liability and are claiming it is purely on a commercial basis that they are paying me back. The have also indicated that they have written to the court indicating that they intend to defend the claim. Does this mean that I may have to pay the money back at a later date if their defence is upheld?? Also, is there anything I now need to do at MCOL All that remains now is to see my bank balance dramatically increase in the next few days. MANY MANY THANKS TO ALL WHO HAVE PROVIDED THE SUPPORT AND GUIDANCE NECESSARY TO SEE THIS THROUGH TO A SUCCESSFUL CONCLUSION EXPECT A HEALTHY DONATION SOON ROGER :D :D

Oooookaaaaay So on what grounds are they submitting a defence:?

Thanks for that info. Does anyone know of any cases where the Halifax have entered a defence? or of any cases that have been lost?? Roger

HANG ON IN THERE BLONDIE. We have just submitted our MCOL and are awaiting their response. From what people are saying I dont think we will get a response other than to pay up fairly soon. Like you I am a little bit worried that we might not win, but also am optimistic as everyone else seems to be winning. Keep and eye on my thread "acres v halifax" should be a result in the next few days Roger XX

Just noticed on the money claim on line that there is a page that asks "do you wish judgement by default or admission....." and there are two options do I need to select either of these at this stage???? Roger

Submitted court claim via Moneyclaim on line this morning: getting nervous now, worried we might not win. How long does it normally take from this point??? Roger

Received a letter telling me they would not be paying the full amount and directing me to the financial ombudsment Returned the LBA telling them I would be directing them to court TEE HEE

Got a letter back offereing a measly £267 pounds as final settlement of the £1667, of course I have accepted it but only as partial settlement Do they usually pay this partial settlement immediately and then we go for the rest through court, or will I have to wait for the full amount? Incidentally, the tone of their letter was very suggestive of this is all my fault for going overdrawn :o Almost time for the letter before action. Roger

Have received bank statements and calculated they owe me £1667. Have downloaded the excell spreadsheet: are there any instructions on how to get it to calculate the 8% or do we have to do this ourselves ? and do we really have to include the number of days since the offence? I have completed it with bank charges only so far and am sending it with the last 2 columns empty. Any advice at this point would be welcome Roger

Data protection letter sent 26th August 2006, wait out. Roger

Ooops sorry didnt realise about the profit making links, my apologies R

Received a letter from my branch acknowledging my complaint and passing it onto the complaints dept. Wait Out

Hi All New to this but started the ball rolling today after receiving yet another £39 charge for an unpaid direct debit of a measly £12. I have started with an informal letter to the branch to see what response I get. If nothing then I will proceed with the Data Protection form and pay my £10. I also found another web site who will do all the work for you on a "no win no fee" basis. Have a look if you want the hassle of doing it yourself taken out of the equation. You can find them at: xxxxxxxxxxxxxxxxxxxxxxxxxxx They do charge an initial £20 fee to start with though. And their commission is up to 25% + vat, so probably not worth it. I don't think it will be long before others jump on the band wagon and commission drops. Regards Roger LINK REMOVED. We do not permit the linking to any sites that ask for a fee for their work, or where a profit can be made. Please do not post this link again.

Hi All Just getting into this now and have read a lot of the forums advice faqs etc. Just one question for the moment: exactly how much of each charge can we claim back. Ive heard that the OFT are imposing a maximum charge of £12 on banks for failed DDRs etc. Does this mean that if I have been charged £39.oo for a failed DDR that I can only claim back £27. Or can I claim all of the £39.00 Many thanks Roger