Well, I won my claim against IF last week (see my other thread) this morning I have received a letter from If saying that on 27th Oct my I was over my overdraft limit by £0! & that they are charging me £28 for this! SO thats bad enough, I go online & check my balance just to make sure nothing weird has gone wrong & they have taken away my overdraft facility, a strongly worded letter is on the way! Surely they have to notify me if they are taking away the overdraft? How can they charge me for being £0 over my overdraft though? Its seems they have turned nasty, I opened a new Alliance & Leicester account a few months back, just in case, I think we will make the move now.

:grin: money in the bank today :grin: I received the letter saying because it would be too expensive to fight my claim & without accepting blame blah blah blah, offered in full. I didnt want to post that I had won until I actually had the money there as I was sure something would go wrong. Off to have a look at how I donate. Do I need to PM a mod to get the thread title changed?

No offer yet, I keep pouncing on the postie every morning :o I hope I hear something soon.

Thanks for that, hopefully within a couple of weeks I will be posting a I WON! too It does seem a huge waste of money though doesnt it. Stuarto, all of my correspondence has been with the IF office, until MCOL which I had to use to Halifax address for, good luck with your claim.

Congratulations on your win! I was getting a little nervous as I received notice from MCOL that IF intend to defend, but I see that happened to you too, so fingers crossed all with go well for me to.

I received a 25% offer too, the day after their time ran out from the LBA, so I just ignored it & filed with moneyclaim online yesterday

Moneyclaim showing as served now, getting really nervous

Good luck with your claim, they sent me a schedule of charges for free too & were pretty quick about it all.

Moneyclaim submitted, a bit :o ouch at the £80 fee though.

Received a letter today offering a partial refund of £179 :o the total I am claiming is now over £700 cheeky beggars. Will start MoneyClaim this evening.

Thank you very much for that, will go & try again. Good luck with your claim. I've been watching your thread with interest as you are only a few days ahead of me.

Hiya, Can you tell me which address you used on Moneyclaim? I've put in the Livingston one & it says its outside of UK so I cannot use it. Did you have the same problem? Or do you have a different addy for them?

14 days are up today, I'm off to have a really good read about the next step

Bog standard letter received today (pretty quick!) saying see T&Cs etc. LBA sent 15th September. Not having to pay for postage either as I found a load of their pre-paid envelopes they used to send out

pre-lim letter sent 11th September, will go & mark 14 days on my calender, claiming £525..............................