Reply with the LBA. I sent one on Staurday, I got a reply today saying go away so am now starting court action.

I'm currently filling in the online small claims court form to take Halifax to court. (they're replied to my LBA with a go away) however, I'm a little confused - as usual! First of all it asks for a claim description. Does "Claim For Unfair Bank Charges" cover it? Then it asks for the address of the defendent. Do I put down my Halifax branch address or something else? Thank you!

Good luck! I had a reply to my LBA action telling me to go away too (although they didn't increase the amount offered) so I'm starting action this weekend. Keep us posted - I'm getting scared and need the encouragment! SCKCB against: HSBC - approx £600 First letter sent - no reply. Deadline Friday. Halifax x 1 - £178 First letter sent - reply within 7 days. "Good Will Gesture" of £78 Offer Refused LBA Sent - reply within 5 days. Halifax says - "Go away" Court action to start this weekend Halifax 2 - approx £2000 First letter sent - reply within 7 days. "Good Will Gesture" of £700 Offer Refused LBA Sent - witing for reply. Expect one in next few days. Capital One C/C Will be claiming as soon as I can sort myself out to ask for the statements. Suspect about £100

I've previously taken a landlard to small claims court so know it is a fairly painless procedure but all the same I'm really quite scared! I keep telling myself they will back down before court. I got my reply to my LBA today which basically said "you've refused the partial settlement we offered and you aren't getting anymore so get lost!" which is a lie atcually because I did accept it on the basis that I'll keep claiming for the rest. Picky I know! So this weekend I'm filling in the forms - Fun weekend ahead! To Halifax's credit they have been surprisingly quick! I only sent my first letter asking for the money about two weeks ago, I got an partial offer within the week which like I said I sent my LBA to on Saturday and then I got his today. Wish me luck! PS This claim is for £180 (the partial settlement they offered was £79), I have another claim with them for almost £2000 (they offered a partial settlement of £789). I suspect I'll get another letter like the one I got today for that claim in the next few days.

Thanks Michael! That's the one I'm after!

Hi, I've put in three claims against banks; one for HSBC (still waiting to hear from them - a few days left before the second letter gets sent) and two for Halifax. Halifax, to their credit have replied very quickly and I recieved offers today on both accounts. However, they were for less than half the amount i claimed £78 and £738 when I actually claimed about £2000 (yes I know! A lot of the charges were incurred as a student and a lot were actually their fault but they refused to refund!). They have said in the letter like it or lump it, or go to the ombudsman. They also threaten to close my account. I am prepared to take it further but I can't find a template letter to say your offer is not acceptable. Does anyone have a link please? Also, is the Halifax likely to close my accounts? It won't be the end of the world if they do but I have an overdraft with them which I don't want to have to pay off at the moment! Finally, I would just like to add that I am fuming because they not only sent a letter which was printed on a printer with very little print left in it so I struggled to read it but they also got my name wrong! Grrrrrrr! Thank you!