Thanks for your help. I will give that a try!!! All the best

Hi Today I received a phone call from Halifax re my claim for bank charges. They received my letter stating that I was not happy with their offer and they I would submit a court claim if they did not respond to my request. The lady I spoke to said that their offer (1/3 of claim amount) was final. I said to her that I would now be filing a claim against them. Help...I am not sure what to do now. I live in England but claim is against the Bank of Scotland, but it was a Halifax customer complaints representative that called. The offer letter re my complaint was sent from Bank of Scotland, Scotland. Should I claim through the English Court system? If so, should I use the Halifax address in Leeds? Im not sure what I should do....your comments would be much appreciated.

Thanks everyone...should have said that letter 19.9.06 was the LBA - still gettin used to all the terminology. Sent my letter Recorded Delivery....no excuse for saying that they haven't received it. The saga continues....

Hi there. Submitted letter to Bank of Scotland on 9 August 2006 for £930 back in bank charges- no response. Followed up with call to complaints department on 30 August 2006 - told to send an email. Email followed on 30 August 2006 - no response. 12 September 2006 - followed up with call to complaints call centre again. Got told that case would be assigned. 14 September 2006 - received phone call from bank offereing part payment of £303 for the highest 6-month period of charges over last 6 years - offer declined. 16 September 2006 - received letter from bank stating that I refused goodwill gesture and that I could take complaint up with Financial Ombudsman Service. 19 September 2006 - sending 2nd letter to bank stating disappointment at their offer...update to follow. Fingers crossed.