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Ok, now i am in the right thread, let me give you a little update. 19th Sept sent prelim letter requesting £444 in total. 3rd Oct received letter from Halifax offering £268 as "goodwill gesture" then in next sentence threatened to close my account! 9th Oct i sent my LBA declining offer but accepting as part settlement and still pursuing remainder. 18th Oct received letter from Halifax saying as i did not accept their offer they will not be refunding me any of the charges i am claiming , and again threatened to close my account.

My question is, that i am due to file my MCOL on 23rd Oct and inbetween times i have been charged another £30 fee. Can I include this in my MCOL even though it has not been included in any of my letters.

Any advice will be gratefully received.

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Yes you can. It might also be worth reminding the bank that the Banking Standards people have already advised banks not to take retaliatory action by closing accounts.

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Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Give 'em a little eXtra!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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OK, filed my MCOL yesterday. Hopefully just sit back & wait now. Do I have to let the moderators know about this, sure I read it somewhere. How do I do this. Can I also just ask, I live in Preston and the Halifax address I am using is in Halifax, but the MCOL have served the papers through Northampton County Court, is this right?

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That is OK. PM your claim details to a Mod for inclusion. Good luck!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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