another victory £2330.26 charges £342.5 interest total £2672.76, there is £ 117.04 new charges and interest since i filed claim should i phone them and ask them to also refund this or do i need to file a new claim? might sound petty but i really dislike the way the halifax is run!!!! no thought for the customer at all. do i need to get written conformation before i stop the court action?

thank you both for the information I will send them asap

just realised after filling in the claims online i havnt been asked to attach any files backing up my claim? did i miss something? should i have downloaded the spreadshets along with the online claim? or do i have to print them off and post them to the court& halifax?

joint account claim filed will keep you posted of any updates:)

Claim for my account filed will add details to the litigation list just about 2 start the joint account claim now:)

this is the wording that appeared when i ticked the yes box it is slightyly different to the wording on the site? link attached http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}. which should i use?

just finishing the claim do i need to tick the yes box? Do you want to reserve the right to claim interest? Yes No just checking as i dont want to make a mistake sorry for the obvious questions?!?!?

thanks for the help:) i will post my details in the litigation section once i have filed. Thanks

so its ok 2 do spreadshets 1 for charges and 1 for interest then add them together? its going 2 be a pain inserting the interest dates into the charges from my spreadsheets. just dont want to complicate things or make silly errors

so do i use the simple spreadsheet for the charges and the interest charges? i am about 2 file against them today. In my original letter to the halifax i went through all my statements and split the claim into 2 parts as suggested 1) bank charges and 2) Interest.I used the figures for both that were on the statements.Do i now have to work out the 8% on both the charges and the interest? and do i use the simple spreadsheet twice? once for the charges and once for the interest? or am i making it more complicated than it should be? i feel like i cant see the wood for the tres again today!!!

can anyone help with the interest calculation spreadsheet? i have tried using the complex spreadsheet (Copy of From claim date with statutory interest) the figures for the bank charges look fine but how do i calculate the average overdraft ammount? alternatively do I just use the simple versions for the charges and for the interest? any help much appreciated

thanks for that i will create new spreadsheets using the one provided on the site on the site. The penny did drop after using the step by step guide, but your reply is much appreciated.

just thought i would say hi to everone and say thanks for all the detailed information available on the site. I am just about to start the hmcs online claim, and just wanted to clarify the interest charges. I initially split the claim into charges and interest, i attached spreadseets listing both. I took the charges and interest charges from my statements, was this correct to do so? is the 8% interest calculation an additional charge? or do I just calculate the intereste charges by using the spreadsheets provided in the templates? I know the answer is prob staring me in the face but just thought I would check before I post my claim tomorow. Thanks in advance for any help.