Hello all, ****WINNER**** Had a letter from the courts acknowledging the counter claim from the bank... When I got home I had a letter from Halifax Customer Services saying they will pay the WHOLE ammount into my account within 5 days after which I will drop the claim.... I WON THE BANK...... YES!!! MY ADVICE TO OTHERS...... STICK TO THE PROCEDURES... BE PATIENT.... DON'T WORRY..... AND YOU'LL WIN..... Thanks to all for the help and advice..... YES....YES.....YES..... WINNER...................

Hello, I really need some adice now.... I have started court proceding with MCOL and now have to wait until 17th July for the 5days action plus 14days required time before I can win by default.... I'm a bit worried now concerning what to do if I do end up going to court.... They may have a fancy talking lawyer and I'm just a humble person wanting my money back with no law background... I have downloaded the court bundle pack and have gathered all the information together. I also have read the pack but obviously it's way over my head... Please advise what I really need to know to win... Thanks

Start the county court claim against the bank... They probably won't go to court.. Read the court procedings section for advice and method.. That's all I can offer for now as I have not reach that point yet...

Hi, Could someone advise me please... Thanks

Right, I have finally started the procedure. I sent for the statements and received them just over the 40 days limit. I have been through the statements and found charges. Do I also include "interest debited" Charges? Please advise Thanks

Thanks very much for the help... I will keep you posted... Just waiting for another "Penalty to come out tomorrow as inform through a letter last week then I will collect them all together and send the preliminary letter by friday.

Thanks for the advice.... But could you clear up wether I send ALL letters to my local branch or the Leeds address... Thanks

Hello all, I'm about to embark on recovering money owed within the last two months while I have been struggling a bit with money. I have been into my local branch and asked about all these charges being made and how they can justify (for example an £8 unpaid DD charged at £28). The branch manager blabbed on about reading condition of my account etc.. and that she could not refund the money. So I need a little guidence... 1. I will send the Preliminary letter to the bank (do I send to my local or head office?) 2. After 14 days I will send the LBA letter. 3. To start court proceding I will need help on how to go about it.. I have read the faw's etc but I'm not sure where to go. Please Help with my steps... Once I know precedence of actions I will be fine.. Thanks in advance..