Don't worry, you will still be able to claim the interest at the MCOL stage;)

The most it will cost you is £120, unless you are receiving a benefit or tax credit, in which case your claim will be free if you go and file it in person instead of online, take some proof of your benefit with you.

Halifax have 28 days from the day the claim is deemed served, but the actual payout time can vary. Some have had it in 2 weeks, others like me, have had to wait till the last minute (28 days).

Good luck,

You should still carry on your claim, those charges are rightfully yours back, but I do understand your worry. If it was me, I would set up a parachute bank account and use this to deposit you money into so that Halifax can't touch it, and work from that account. Don't close the account you have, but give yourself a safety net account somewhere else.

Sorry this has caused you worry so close to Xmas, very unfair:mad:

The £120 over the £5000 is my court cost, so I took a chance as this is rightfully mine too. They didn't seem to mind paying it:grin:

Thankyou Michael, letter has been filled in and printed:)

This morning, at 8:45am, I received THE letter from the Halifax, stating it was not comercially viable for them to defend in court, so without liability will be paying me back.....

I am claiming at the moment for what was a joint account, although in my situation it is reversed as I am no longer on the account. You will be able to claim regardless, all I had to do was send an authority from my husband to say i was authorised to claim on his behalf. in other words, if you are claiming for an account that is still in your name now then you will have no problems claiming all 6 years joint or not. Hope that makes sense,

Ok, further update. Rachel Hinchliffe phoned me about 2pm to say she had got the letter, it has been forwarded to her collegue and we should get a letter tomorrow or Saturday. she didn't disclose what the contents of the letter will be, so I'm assuming it is an offer letter...I really hope so anyway.

Just an update and any advice you can give me from here.

MCOl filed 5 November 2006

Acknowledged 7th November

Defence or payout by 5th December 2006

I received a letter from Rachel Hinchliffe, the litigation solicitor dealing with the claim, dated 20th November, stating that as I was no longer an account holder on this account (although I was for 9 years) that she would need signed authority from my husband (whose name is still on the account) to proceed with the claim. My husband sent this letter on 24th November and according to Royal Mail it was delivered on 27th November.

I have just tried the phone number on the letter to confirm receipt of my letter and got her personal voicemail, where i have left a message asking that she confirm that letter was received and could she give me an update.

I am getting worried that they will ignore the deadline (next Tuesday). Anybody have any experience with this, did i do the right thing phoning? Think I'm getting a case of the jitters as they are really leaving it to the last minute:sad:

Hi there, at a smilar stage to you, court claim was deemed served on 7th November and acknowledged on 9th November with me. What happened next is I got a letter from the court, saying that Halifax intend to defend their claim. They have 28 days from when it was served (7th) to file their defence, so thats what you are waiting for as well now,to see the Halifax defence!

What seems to happen in most cases is that they receive a letter within the 28 days from the Halifax stating that it would not be financially viable for them to continue and offer you full payment. This is what you and I should be hoping for. In the meantime, I have been reading up on the court questionnaire that I may have to fill in if it goes further, so maybe do some preparation in case it goes to court. But it seems that in nearly all cases I have read, the Halifax WILL pay before the 28 days are up.After all, if they actually went to court, they would have to prove that £39 for a bounce DD is a lawful and just amount, which they just can't do:D

Not long to wait now,

Hi thora,

Wanted to wish you the best of luck, that is shocking service from the Halifax, not that I should be suprised. Good luck,

Just wanted to say I'm in exactly the same position as you, halifax intend to defend, and I am waiting for their defence or money (hopefully last option). Good luck, we will get our money back!! Also interested in claims that have defaulted. Anybody any experience to help us?

Yep, time is crawling by! Received letter from court yesterday confirming that Halifax intend to defend, which is what I expected from everybody else's cases, will keep you posted.

Court claim acknowledged on 9th November, now its a waiting game8)

Letter Before Action,

good luck;-)

Thanks for your messages. I decided to send a statement of charges with a covering letter on Friday recorded delivery, both to the court to attach to my claim, and to Halifax, detailing the claim number on it, and to why I have decided to take court action. i gave reference to my previous letter and their offer, so hopefully i have pulled it together as much as poss. The court claim will have been deemed served as yesterday (7th November) according to the letter I received from the court. Will let you when I hear anything.

Good luck Finbob;-)

Just wanted to send you a big congratulations, great news. I have read your case and think you did really well. I have just filed an N1 and have made some rookie mistakes, but hopefully will get an outcome as good as yours. Make sure you have a drink tonight on the halifax!

Just wanted to wish you the best of luck with your claim, I filed my N1 yesterday so know how you feel. Good luck, you can do it;-)

Oh my gosh, I haven't sent the Halifax a schedule of charges either!!!The claim has been issued today so its too late to change anything, do I send them a schedule now? I thought I was so clever doing this, but I think I've made a big mess of it. They are not going to take me seriously now, any advice on how to rectify this or do you think I'm going to be ok?

Claire

Hi everyone,

I'm a newbie posting here but have been reading for a while, and was empowered to make a claim against Halifax for 6 years of charges. Firstly I asked for my statements which they sent within a week (good start!) When I added up the charges they came to £5337!! I wrote my first letter asking for a refund of charges and was sent the first reply saying it had been referred to head office. My husband received a phone call a week later saying they would offer £1300 as a goodwill gesture but they were unauthorised to offer any more, which he refused (good boy and I didn't even have to tell him to do so:D ) The same day I went on holiday (21st October) so was unable to proceed any more. Today I'm afraid I jumped the gun a bit and have filed a N1 claim through the online system for £5000 plus £120 court costs as I want to keep it in small claims and I'm afraid when i read further posts my statement may not have contained as much legal jargon as necessary, nor have I sent them the letter of intent of action. I was doing so well seemingly but may have botched it up now. Will it matter that I haven't sent them a letter of impending action? I made my point in my statement but feel it lacked polish. Should I just relax and wait for a response or have I made a mistake already?

Thanks for any advice given,

Claire

Hi everyone,

I have been reading this site for a while and between this and media coverage I decided to start a claim against the Halifax for £5000. Actual charges were £5337 but wanted to keep it small claims. Just wanted to say how inspired I have been by everybody on here.

Keep up the great work,

Claire