Hi em, nice to hear from you. I take it you dont know what the AOP route DS is talking about is either? Sons, hey..who'd have em!!!! My son is four in October, my eldest daughter is five at the end of august and my other daughter is 14months:o I keep telling the eldest pair that they'd better watch out as the baby of the family is gonna sort them out!!! They dont believe me, but I know it's coming.

Hi DS, nice to hear from you. Well, you've completely baffled me now. I guess I'll have to read up on what exactly the AOP route you've mentioned entails:o unless, you can fill me in, briefly? I do hope it hasn't buggered my chances of success. I've been away from the forum for awhile. If you remember, I had the kids holiday in Cornwall for a week then I was back for a week and a half before jet-setting to Spain for 10 days. I got back to a mountain of washing and two out of the three kids sick as dogs. My daughter just got back to school when she fell ill with tonsillitus and now just three weeks before she is due to have them out she's ill again!!!!! So, needless-to-say, I've had hardly any sleep since our return. Oh, the pleasures of being mum, hey:)

Good evening folks;) Well I've had a response from a the Customer Relations Manager, Mr Kevin Appleyard . In it he states that 'my claim relates to bank charges debited to my bank account and that these charges were debited in accordance with the account t&c's, which I agreed blah, blah, blah.....however, it will cost Halifax money to defend my claim in terms of the legal costs that will be incurred...for this reason, but without admission of liability (but of course:rolleyes:) Halifax is willing to reimburse £176.00 in respect of bank charges incurred, together with £61.13 interest:o The remainder of my claim relates to charges applied in excess of six years ago. The Limitation Act states that...(we all know what comes next, dont we!!!!) Talk about adding insult to injury, hey?!!!!! I've responded with the usual rejection of settlement offer letter and have requested once again that they return to me all charges imposed on my account totalling £2,054.40, to date. I have also re-interpreted the Statute of Limitations Act reminding them that their organisation has continued its charges regime after the date of the first OFT report which it continues to conceal and therefore has lost the protection of the Limitation Act. I've also asked for a statement of truth. Just as I've posted that off to them what lands on me doorstep? Halifaxs' Defence. I must admit I was slight taken-a-back. The reason being 'cause it's just so damned short!!!!!!!! It goes on to say the usual about the charges being debited 'according to the t&c's which I accepted, then it states that they have refunded me £237.13 to the Account which represents all charges applied in the last 6 years (which has been closed since Sept 2004 so god only knows where that has gone:rolleyes:). Then, and this bit I thought was exceptionally funny, they state that 'it appears from the Claim Form that the remainder of the Claimants claim, £1809.48 also relates to charges and interest but the Claimant has failed to provide particulars of how this figure was arrived at and the figure is not supported by the dfefendants calculation'. I take it that they are unable to comprehend the schedule of charges that have been sent to their clients say, four times now!!!!!!! Then, last but not least, it ends by stating that 'on the basis of the matters pleaded above the Defendant denies that it is liable to the Claimant for the sum of £1809.48 in respect of the balance of 'his' claim or far any other sum, and the Claimant is put to strict proof of the same'. So, not only am I a man now, they haven't even bothered arguing the Limitation Act bit....and I thought they were really gonna play rough:p So, all that is left for me to do is send them a copy of the same letter I sent good ole Mr Appleyard, alond with yet another schedule of charges, remind them that The Account ahs been closed since 2004 and no such money has been received, and advise them that he is actually a she. Then, depending on their response to this, they'll either pay-up or it'll be AQ time for me. What I could really do with is a copy of the t&c's from this era. Can any of you folks help me out?

Hi stevie nice to hear from ya:) £3,300 hey, what a lot of drinks that'll buy:D Apparently, the banks tend to be settling a lot quicker nowadays (me thinks they may have cottoned-on:o), so hopefully you'll get whats owed to you sooner than you'd hoped. Drop on by anytime, it's always good to catch up. Hey, maxine and thanks for dropping in. Just commenced court proceedings. Halifax have until the 23rd to defend or cough-up:lol: Let's hope it's the later, hey!!!!! I see you're going after Barclays next. I wish you all the luck in the world and will keep my beedy eye on ya. Once again well done with your latest quest, it's always good to get one up on the banks8-)

Congratulations Maxine What a long 'ole slog, but you've finally got there, Absolutely, fan-blinkin'-tastic news I'm so so pleased for you well done xx

Well look what the cat dragged in!!!!!! Good evening sir, long time no hear. I was actually beginning to worry about ya, you know:o Thanks for dropping by, make sure you come back to visit soon and we'll have a proper chin-wag. muggs;)

Hey Beebop, Long time no here any joy on the court claim front?

Sandown is on the furthest side of the island so unless you are cruising around to my side in your trotter mobile, I wont be seeing ya. Anyways, eat drink and be merry...and for gods sake take a break from the site, you addict you, after all it is supposed to be a holiday:D:D

Sure do:)

Blimey jo2308, well done:D Gosh, it wasn't this easy back in the day, I figure the banks are finally getting the hang of things!!!!!!

I hope it goes as well for me against Halifax. A ggod majority of my claim amounts to charges outside the limitation. Heres hoping;)

A big how ya doin' over there in the IOW. Depending on what side of the island you are on you can wave to me as I live on the southcoast nr. Milford and face the IOW!!!!!! Least you had a nice sunny day. Have a great time.

Steven, Do you suggest I send my letter to my branch or to Abbeys customer services dept?

Dont get so down. Halifax aren't open for business on a Saturday and there is a postal strike. Wait til Monday and see what happens, before you contact them with guns ablaze:) I'm normally a pessimist me, but sometimes you just have to have a little faith. I hope it turns out okay, otherwise I'll be forced to eat my hat!!!!!

In the meantime, jawdinc, its probably best to wait until you see what the lady whom sold it to you has to say. Make sure you bring your receipt as this is usually a very useful tool. If you are not happy with her response then asking for the store manager is always a good bet. The fact of the matter is that what was sold to you is not suitable and it should be down to them to help rectify the problem..remind them of the term 'customer service' or even 'customer satisfaction'. Good luck.

I've not had a leaky water meter, but more of a leaky toilet!!!! I contacted the relevant water authority and they sent me a form to fill out and gave me back some of my money:eek: It just goes to show that if you dont ask you dont get. Credit where credit is due:)

Hi Nanda and a big fat cag welcome from moi:) Glad to hear that you've got your statements, for once it appears not to have taken an age!!!! Adding up how much they've charged you is both exhilarating and down right annoying rolled into one. Once you've entered the amounts onto the relevant spreadsheets send it along with your prelimary letter. At this stage you do not include any interest (unless you are going for what is known as contractual interest), the banks will not pay out any interest at this stage and is only added to your claim once you commence court proceedings. All of the above is found in the link below http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Good luck and keep us posted;)

Okay, now she's really lost!!!! What about burning the bra?:shock:

Hi linzi, Any charges incurred since your original claim begun will have to be requested as a seperate issue. Natwest done exactly the same to me and I meerly wrote to the powers at be at the Borehamwood address advising them that I had just accepted a settlement offer but had incurred additional charges. I basically asked them to pay up (in the nicest possible way and shown in the letter below) or I would have no choice but to commence court proceedings all over again. Needless to say they paid up:D Dear sir/ Madame. I have today received a cheque from RBS Group Litigation Department in the sum of £xxxx in settlement of my claim for recovery of unlawful bank charges. This settlement does not address the issue of charges added to my account since the commencement of my claim, a total of £xxxxx Clearly it would be senseless to resort to further litigation to recover this amount, although I am prepared to do so if necessary. In order to avoid such action, I require reimbursement of the aforementioned sum within 7 days of the date of this letter. If the full amount is not credited to my account within that time I will issue further proceedings against you. I look forward to receiving your response before xxxxxxxx. Hope this helps and good luck with whatever you decide to do.

Hi basson, It certainly sounds as though the end is nigh, just dont go doing any victory dance until the money is safely deposited in your account;) Well done, anyways:D

Next she'll be flying the flag:lol:

In response to a comment made by deedee1310 in the thread above, it is up to you when you commence court proceedings. The 14 day time limit expressed in the Letter Before Action is a goodwill gesture on your part, it is totally up to you when you file a court claim. Needless-to-say most of us stick to our timetable and do just that, but incase of financial hardship some wait. This is by no means a pop at you deedee, I am meerly pointing out something I feel is worth mentioning, kindly do not be offended by it;)

no probs katscash. Good luck and keep us posted.

Hi Hugzypambob and welcome to the site (gosh what a mouthful!!) I take it that you have followed the correct proceedures in order to have come so far? Have you spent time reading the FAQ's and the Step by Step guide? http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ In the Templates Library you'll find what is known as a court bundle. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html If you haven't done so already it is worth reading as many threads as you can especially ones that relate to your your bank. I hope this helps. All the best in your claim!!

In response to your question, no there is no time limit between the lba and commencing court proceedings. The 14 days is an act of goodwill on your part. You dictate when it is that you issue a court claim against the bank/ building society. Given the high level of claims nowadays, you are lucky to receive a response to your lba prior to 56 days!!!!!! Dont worry, there is no rush. Just make sure that when you do start proceedings everything is in order as it is costly to ammend anything once the claim is filed. Good luck and keep us posted:D