Lol your much more organised than me. i thought this was a doodle as my halifax current account paid out after the second letter but their credit card company have different ideas. So i'm gonna read the N1 now and will fill it in tom nite when i get home from work. Goodluck

Hi Nervous are you doing your claim online now?

Hi Claire I'm in the same boat, and i'm searching and searching for a step by step program, so anything i get i will pass on.

Thanks Noodle. So if i go online and fill this in what spreadsheet do i need to use etc??

Hi Clare good luck to you when going to court as i said for nervous, i'm taking halifax to court once i figure out exactly what to do then i'm coming after good old northern bank lol!!

Good Luck Nervous, i'm on the same track with halifax today wass there last day, i live in here also so i'm trying to work out how to get the claim right in our court system and also what spreadsheet to use too for interest etc!!

Hey Any update on how you are going?

Please can anyone help me

Hi Halifax Credit card have not replied to my second letter, so i guess the next stage is court. I have a few questions. 1. I live in northern ireland is there a different process here. 2. If there is what is it, if not what exactly do i do next??

Hi my credit card request has not been replied to so its time for court. I'm in Northern Ireland is there a different system i have tyo do or what stages do i complete now????????

Hi my credit card request has not been replied to so its time for court. I'm in Northern Ireland is there a different system i have tyo do or what stages do i complete now????????

Hi Have donated to the site as the money has came in and i'm so thankfull for this site.

Thankyou everyone for your thoughts, I think i'll tell him to just forget about doing anything as you say he didn't pay the full amount back so he's better leaving well enough alone.

Hi just to update you on my account, I phoned the halifax after they offered me a settlement and i have now been offered 2000 pounds so i've accepted. Thankyou everyone and i will donate when i get the money!! On my credit card the second letter has gone and they have 14 days or i'm lodging a court action.

Hi does anyone know the answer to this? My dad had alot of debts with both credit cards and loan companys. The charges were horrific and he couldn't pay them. So he involved a solicitor who contacted all the companys and offered them an amount of money to settle each account and clear his debt. They all accepted and that was the end of it. Could he now possibly try to claim back the charges they charged him while he had the accounts, even though he didn't repay any of them the full amount that he owed?