Phoned and asked where was my money? "i'll check for you sorry on the wrong system" You will get your money in up to 7days and of course it' Christmas. All I wish to add if you have sent ask after acouple of days it might be on the wrong system David ps Happy Cristmas take them to the cleaners will be my new years !! and I will not break it this year

and anther David

Last posting I had not relised that they had conbined two accounts the acceptanse letter had one on but still happy so if you have put in more than one claim make sure that the offer is for one account David

Had two letters from Halifax this morning first part was a hard luck story and a justification of the charges thought here we go more letters. Last page acceptances form for the sum of £4056 put in for 3655.71 so sent of acceptance recorded post. The other letter just went straight to last page sum of £1124.00 put in for £2223.21 have note replied to this one yet one more account to come hopefully David

:o Have just re calculated the total on the three accounts its £7341.06 does this fall outside the small claims court or can I put in three or conbine two or just leave and see what happens no wonder I was always skint David

I have not approct the court yet pursumed it would be in England, not in Northern Ireland David

Just a thought if it went to court where would that be, Halifax head office, where the branch is, Is it possible to instruct a local solicitor (brief) I live in Northern Ireland but my branch is on the main land cost of travel would pay for a solicitor maybe (and I'm Chicken) David

I noticed after I had sent the bundle off that the sort code was wrong on the statement sent to me quired it with Halifax who said that can't happen But it has I'm sending two of the statments back with a letter saying that I do not need a reprint as long as they except there mistake David

Sent the bundle off today vie recorded delivery fingers crossed. I supposse the fear is they will say time the banks started fighting we'll choose Davids !!! David

Well I now have the accounts from Halifax no problems took ages to total up all the fines just under 6000K. Question have three accounts with Halifax is that three lots of court charges or one. Secondly what do I do now run!!!

Live in Northern Ireland . We live in a village at the top of a ravin, we are moving down to the river. Sky came out to put up dish no line of site to saterlite,so we cannot get sky. However they are charging for the visit + they want the remander of the contract paid even though we will not be able to view Sky Any thhoughts David:x

Just a thought use an anser machineone you can disregaured the message and two you will have an on going record I too have had this from MBNA I've just cab#ncelled the mesage in the past David

As indervisales we apear quite small the courts help, but it is time that the banks in my case Halifax lieserned any help would be much aprseated ( sorry but I'm dsyexic and my spelling is )