Thanks to all at CAG for their help, without you guys I would not have been able to do it!! I have encouraged all those I know to start the ball rolling and have given this site to them all for guidance. With my money I took my wife and daughter on a well earned holiday to Portugal and we bought a house so the rest will go into making it our home. Thanks again for everything you are all wonderfull!!!!

After some long and drawn out arguments with the idiots at the halifax I got offered settlement of £1567.00 thanks to all who helped, now no longer a halifax customer! :-D :-D

As I was a lazy git and left the claim for so long I sent them a new letter asking for my money back which I got from the libary, they then said no to that letter refusing to pay a sausage. In the letter I enclosed a full breakdown of the charges, and gave them a time scale to reply and pay 14 days I think. Hope this all now make some sense.

I originally sent them a letter asking for the money back, they sent one saying here is £200 I wrote back saying thanks but only as part payment nothing happened further, wrote again saying the same thing money back please offered a little more said the same again thanks but only as part payment nothing further heard, sent a final letter saying pay up or I will take you to court to get it back gave them a full breakdown of charges in last 6 years they sent one saying their charges are fair and what they percieve as what it cost them no offer at all. filled in court claim form now just have to pay fee to send it off.

Hi All Well after several months of doing nothing I have finally bitten the bullet and sent another request to the dearest Halifax asking for my money back, on this occassion , warned them that I would give them 14 days notice to reply before I would take the matter to the courts they replied just saying NO, they felt that the charges were right etc etc BORING!! I have completed the claim on the courts website with the amounts do I have to send a complete breakdown to someone?? I just want to make 100% sure I have got everything right before I confirm the stuff on the website and pay the fees etc - Would be great if someone could just give me a little advice on this just to make sue I have got it right this time - KEEP UP THE GOOD WORK AND TOGTHER WE WILL NOT LET THE BANKS WIN!

Hi All I am need of some help again - I have been very ill and not been able to keep to the time frame suggested although the halifax offered £565 of the £1500 that they owe on the last letter should I start again or just carry on from that point?? Suggestions would be appreciated Thanks Ultrasonic

thanks to all those that have helped already, just wanted to check that I am reading things right in the FAQ, I now know how much they have charged me £1426 in the last six years, I understand that I can apply interest using the spreadsheet in the libary section, do i now send the letter saying about the fees and also place a full breakdown in with it giving them X number of days to reply? Just want to ensure that I look like I know what i am doing even though i probably don't! Could I make a suggestion that perhaps some form of flow diagram would be beneifcial so that you could find out what your next step should be and when?? just an idea for an computer buffs out there, sadly my limit is typing. Thanks once again for all the assistance and I wish everyone well with getting back what it right!! Regards Ultrasonic

I have written to them asking for a full breakdown of all charged levied to my account in the last 6 years, I also asked them to refund them, they rang my wife and agreed that there was alot of charges accured to my account and offered £200, my wife then told them to put everything in writing, got letter saying blah blah £220 return if accept, which I do not, I have letters and statements which total £2150 but I am sure there are more, I was wondering if I had a legal right to see what charges have been made to my account? Sorry to be completly thick, but want to get it right and the help of this group is great for this information.

I have received an offer of £200 from the Halifax 10% of what I believe they have charged, how do I find out what the bank has charged me over the past 6 years (I don't have all my statements), without the halifax charging me for copies. I am a completly unsure about what I have to do but can only find one solicitor who will do it all for 33% of the settlement. Help please A man with a very new baby that needs loads of money spending on her and the halifax keep taking it another £30 today for £1.50 OD MODERATED threads merged , please keep to your original thread when updating

I requested a full break down of charges applied to my account in the last 6 years, also infoming them that I wanted the money back etc. I know that they have charged me £2012, and that is the amount I am using as my guide but have not got exact figures, only got statements and letters for 3 years

Posted 1st Letter to Halifax on 7th June Phone call to the wife offering 'good will gesture' of £200 not accepted what should be my next step - they said to the wife that they would put the offer in writing not willing to accept but are unsure of how much in charges they have charged me over the years. can someone please advise me, as I really want to get the money back for all the sleepless nights and worries that they have given us. Thank you and good luck to all who fight for the right!! Regards Ultrasonic