Good for you Nailz It won't be long now!

Now you wait for the courts to acknowledge your claim, for the bak to waste time and file all the relevant docs at the last minute, eventually the court will issue a hearing date, and then your claim will be settled in full before that date arrives

Hmmm, I'm sure I've read about wins over 6 yrs with them? Anyway, they never submitted a bundle, from which I made the safe assumption that they always intended to settle out of court. That is why sticking to my guns worked! Even though I only had one charge pre-6 yrs, if they can do it for one, they can do it for several. The same happened with my Barclays win. I had several pre-6 yr charges for them. They were adamant they wouldn't pay them....I STILL WON THE LOT!! And yes, it is definitely good that they don't send their bundle in time. As far as I know, no bank has done this as yet anyway

Yes W, I'm pretty sure....check in the Halifax successes thread, there's bound to be more there

It's beyond a joke really benq, anyway, you're doing the right thing by reclaiming your charges back...don't get mad, get even as they say!

Welcome skintscot...good luck with totting up your charges...the fun begins now

circuit, you can claim bank anything deemed as a penalty charge. Anything which is a 'service' charge so to speak cannot be reclaimed. As far as I am aware, maintenance fees and commission are part of a service and therefore cannot be reclaimed. You're looking for things like returned direct debits, unpaid referrals, etc. If you still think some of those things under auto can be claimed, I'd get clarification from the bank about what the 'auto' entails exactly. Then go from there Just for your info, here's a good link: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

Welcome aviatorjohn, look forward to reading about your pursuits

No probs dj, yes it is very random how they settle cases...you just have to expect that it will go to the line, that way you cover all eventualities

tumble, they're probably too disorganised to realise they've short-changed you, and that the claim is pretty much settled. Anyway, all good fun and games....congrats all the same

Yes. Send it a couple of days before if you can, juusssttt in case

You'll be fine Joseph, as Site Helper hagenuk says, no one has gone to court yet, what makes you so special?! Just stick to your guns, and don't settle for anything but the full amount

Secca, just to let you know, a member has just popped into the chat room and informed us that s/he was offered £3500 by letter, and called them back, and they raised the offer there and then to £4500 and settled in full!! So it's definitely worth a phone call!

If you scroll down throughout the document, you'll see it refers to the Unfair Contract Terms Act (UCTA 1977) and the Supply of Goods and Services Act (SOGA 1982)

okies wilkins My claim was settled about five days before hearing. I sent my bundle off a day before the deadline (so 15 days before court date), although you should have it ready to send beforehand, not last minute as it takes forever to copy and print all that stuff, not to mention page numbering!!

My claim was settled in full by Halifax just a few days before the court hearing. Once you receive a court date, you can expect them to call with an offer about two weeks before they are due in court with you. Stick to your guns and you'll get the whole lot

Joseph if you are able to print/use any of the above link info, you can also add them into your bundle if you wish to. I have the address: Barclays Legal & Compliance Level 29 One Churchill Place London E14 5HP Send it for Anthony Lombardi's attention or whoever is handling yout claim

Djquango, that's fine, you've therefore given them ample time, and can commence your court claim. The POC looks fine, I'm presuming you've taken it off the template, just beware that MCOL has a word limit on the particulars...as long as it all fits The banks all say they need time to investigate. Ignore their timeline and stick to your own

Plev, which letter are you after? All the template letters can be found in here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Please note that the template letter for credit cards in the library is to be used at Letter before Action stage. The first letter is the S.A.R. then the preliminary request for payment...both of these are the same as for banks, available from the link above but just need to be edited as necessary for Halifax credit card.

Hi Simon, yes, you can dispute the default notice - have a look here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

Hi stanley, 1. Yes, fairly standard, looks like they've done you a favour for 'free'! 2. Yes, you'll probably be receiving statements as they are not likely to give you a list of charges themselves. It's better this way because you can go through your statements with a fine toothcomb (or highlighter!) so you won't miss anything....would you trust a list from the bank?! 3. They are obviously so busy that they are churning out letters and forgetting to sign them. It's nothing to worry about...wait for the statements, giving them ten days, and see what happens. If you don't receive them, you can call to chase again. Ultimately, the S.A.R. allows them 40 days to comply, so they can take up to 40 days to fulfil this request.

Hi Wilkins, as mentioned before, I've already claimed more than 6 yrs. Please see my thread for details, and try to stick to one thread to avoid confusion http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/25520-crash-halifax.html

hi djquango, 14 days is recommended as giving them 'reasonable' time to respond. If you would really like to play by the ball, give them 14 odd days before you start your court claim, even though your letter stated 7. That way, if there is ever any come back, you can say you extended the deadline, but they still didn't pay you. Chances are it won't make a difference anyway, as it's highly unlikely they'll pay you within 7 days.

Hi Tim, I was going to suggest that. If you have an England address, and since you're going to here later anyway, I'd issue a claim in the court closest to your future location.

Congrats secca, that's great news, but I'd definitely take steve's advise. Call them and say thanks for the payment, but you've missed off £200...when can I expect that? See what they say. If you're really not bothered, then ENJOY!