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Willow1974


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No,

 

I haven't. They threatened me in one of their letters, if I can't manage my account, but they never did, in fact they paid out £3028.31 in FULL SETTLEMENT of bank charges dating back 4 years...result!! My advise to you if you are worried re bad credit history (although mines not brilliant) is to open a satellite bank account with another bank immediately or join up with your partner and create a joint account, so you have a back up account to transfer wages and your direct debits to etc.

 

:D Keep smiling

:cool: 20/07/06 - DPL sent

11/08/06 - Chased and faxed DPL letter to Halifax

1 week later received full set of statements (4 yrs)

:o 19/08/06 - Request for £2908.31 letter sent inc interest

:-| 22/08/06 - Standard resp rec'd

:oops: 5/09/06 - Offer of £236 rec'd (are they avin a laff?)

5/08/06 - Sent LBA

8/09/06 sent letter, will accept as part settlement from Halifax not full etc.

12/09/06 - Rec'd offer of £657 (6 mnths charges as full settlement)

15/09/06 - sent letter will accept as part payment on understanding I will recover the remainder etc...

:confused: 19/09/06 - Rec'd another offer of £717? No Deal!

25/09/06 - submitted moneyclaim for full amount + court costs

:D 29/09/06 - Halifax settled in full, £3,028.31

23/10/06 - Halifax credit card settled in full

20/1106 - MBNA stettled in full

23/1106 - Halifax cardcash settled in full

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Thanks Bran, :)

This is quite a daunting experience and ive only just started!! im waiting for a list of my charges and what they were for! they have just applied another 3 to my account today...its driving me mad!!

Ive just been made redundant hence to unpaid dd's this month!!:mad:

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