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trying to claim charges back from Halifax!!help!

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Hi Im new to this very helpful site (just wish Id found it earlier), I was just wondering if Halifax every really defend their cases of unfair penalty charges in court?I recieved an acknowledgement of service in the post from the mcol saying that Halifax were intending to defend all of my claim.Has anyone else experienced that? Im not sure if ive done something wrong on my claim form???

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