i've looked over and there isn't a poc for the n1 for halifax credit card. i'm completely stuck now, can anyone pleeeeeeeease advise me? should i just adjust the bank poc? i've a feeling i'm being dumb here!!

is there one or is it the same as the bank charges POC? (bumpety bump)

can anyone give me a link to the POC for the halifax credit card? please and thankyou

Hi all! just received all of my statements, going to post just as soon as I've added up, just wondering if i can claim back the £12 charges?

my sister and her husband started a claim against nat west and as far as i can tell they didnt use the business template letters, they have filed with mcol and used the business particulars, will this mess things up completely? should they start their claim again? thanks

well desevered, i only just checked your thread saxon, it seems ive stopped being alerted by email now, but, good on you girl, and you keep at them for the rest too!

:D yes! i got my money yesterday afternoon! i was getting a little aprehensive there hehe, i'm off shopping this morning! i think i'll buy my dog a diamonte collar!

yes lol! obsessively! its a blessing in disguise though, i was sooo happy any sense would have been forgotten! roll on monday we can start dialing again! i had a phone call from the halifax at 8.30am yesterday, collections asking for their money back, i could not help mocking the guy a little:p theyve been so rude to me at times, i dont like being smug usually, but i really enjoyed it! he did sound like he felt a bit stupid! my avon lady has already had her charges returned and i am now going to get the boyfriend to get his money back and my cousin. halifax credit card for me next too! minus the aprehension i had last time i just notice i spelled reimbersment wrong on my sig hehe i was too happy when i typed it the first time i spelt it reinburment!

me too!! congrats!!! (raises glass to toast this site)!!

not long to go now saxon!! you guys deserve every penny back and you'll get it!! woo X:oops:

ta clarky!! i wonder if anyone can tell me what to do with mcol now?! do i hit default?? lol cant get this grin off my face my cheeks are aching!!!

WELL, BLOW ME DOWN WITH A FEATHER!!I KNOW YOU ALL TOLD ME SO AND STUFF BUT, I COULDNT QUITE BELIEVE IT!!! I'M A WINNER!!! MY DAYS THAT FELT GOOD TO TYPE!! MONEY IN MY ACCOUNT WITHIN THE NEXT 5 WORKING DAYS YIPEEE!! :oops:

my fingers are sore from being permenantly crossed lol, thank you so much for your words of encouragement, it really has kept my spirits and confidence up! my claim was acknowledged today, quicker than i imagined, i guess you just have to think of the worst case senario to be safe hey!

oops done it already!

claims been issued now how do i pm a mod? any clues?!

thanks for all you guys advice and support, today i have filed a claim with MCOL, i just pluralled words and gave extra dates etc. chickened out on the loacal court :-| hopefully i havent confused anything! i'll keep you all posted!

love that saying ian!!! right ive given the ahems a little more time and ive decided to be brave and do this through my local court as oposed to mcol! i'm wondering if i calculate the two accounts interest together? do i just merge the two totals into one claim now? maybe i'm over polite, bumping threads seems a wee bit rude to me, but i need some advice here so i'm gonna bump til i get some!!!:-| TY

yeah ive tracked n traced all of the letters now, all sent recorded delivery, and NONE of them have been trackable, the first of which was sent seven weeks back! i'm disgusted with royal mail now and i AM going to get compensated for these letters, allbeit a bunch of stamps! i will from now on use the special delivery service and advise anyone reading this not to use the royal mails recorded delivery, its a farce. i just hope i havnt sent the LBA letter too soon after the reciept of the prelim :-|

cheers brad! all support is a real boost, and i hope get ur money back quickly!

heya saxon, my daughter is nine! so it is a joint account but the only money that goes into her account is child benefit! and i did get his name. after speeking to someone in customer relations later on, i was informed they had lifted the block on her account, they became evasive when asked why it was lifted i suspect it should never have been blocked in the first place, i'm sure theyre legaly entitled to do so but morally speeking its just shocking behaviour. i also spoke to another lass in collections in the afternoon who was quite intimidating, i know i shouldnt enter into dialog with these people about things but its quite hard when they ask you for money you owe them and they owe you so much more, there are a few threads on this forum which suggest people who work for the banks are generaly in agreement with the uprising against illegal penaties, but in my experience yesterday, the collections department are all for them. i'm a little worried about one thing though, i recieved one of the old standard letters acknowledging my "complaint" and it says they recieved this complaint on the 16th, i sent it on the 2nd, i have now sent my LBA and i'm worried that it should be 14 days after they recieve it, it was sent first class recorded delivery:| got a new account opened with the nationwide now who were also very polite! i shall be doing the whole moneyclaim thing on friday 1st of september, so spreadsheets are being closely examined now! if i go first saxon then maybe i can spur you on in return hun:)

what he said above!!!

good to see youre still marching on saxon i was feeling a little unsteady today but you inspired me again! ta

hi all, update... i had a phone call from someone at halifax offering me six months of charges back on one of my accounts which totalled £130, i said i would accept this offer as a goodwill gesture but not as a final settlement and was advised i would have to go to court to retrieve the charges, which i said i would do gladly. i discovered this morning that the halifax have put a stop on two of my accounts because i am over my limit on one account, which i am begrudged to pay as i truely believe they owe me money! after speeking to someone at collections, i was left frustrated and shocked, he asked me to prove to him that these charges were not in accordance with uk law and i replied i dont have the details in front of me sorry, but can you prove to me that the halifax are losing £39 when i fail a standing order etc? at which point he told me i had commited fraud and put a stop on my daughters savings account. i have logged a complaint with the halifax about this man who has in effect accused me of being a criminal and i've demanded a written appology. i'm off today to open another account with someone who's charges are not dispreportionate and who's emplyees are not so spiteful and rude. any pointers? someone told me nationwides charges are only twelve pounds.

i'm right behind you saxon good luck

quick update, i'm feeling very positive now about the whole senario, thanks all! i will be donating to this site once ive had my money returned! i think i hav the sig sorted too yippee hehe forum phobia is also being quashed!:grin: