I can't believe they are allowed to withdraw my overdraft though. Fair enough I can accept that they would clear the amount of £200 est. that I am over my overdraft but to withdraw my overdraft facility is pretty rubbish. Hardly feels like a victory now.

You know I am going to put the foot down with this one and say that the money getting put into my bank account is unacceptable and that I would just take it to the next stage if I had to I think. Surely it's up to ourselves how we receive the money and the fact that my account is in arrears is nothing to do with it as that is a seperate issue altogether.

Aye but they have withdrawn my £1k overdraft. I wouldn't mind if that was still in place but they have taken it away when I started this process which is out of order imo.

It's just that I was sure I had read on here that someone had got their money back in a cheque. I sort of need it in a cheque tbh. Aarrgh so frustrating.

Still haven't got the letter through yet so rang them up today and asked the girl to read what was on the letter etc. The charges claimed were £1348 and the offer was £627 so I was transferred to Steve Hodgson who then said that he could up my offer to £1200 which I accepted. He is now going to send a new offer letter out to me for £1200. All very good however, I asked him how it would be paid and he said it would be paid into my account. I don't use that account anymore though and it has been sent to the collection agency as the account is overdrawn by £1200 so basically the money would go straight in to clear the overdraft. On further digging I asked if my overdraft was still active and I was told that it wasn't so basically I wouldn't see a penny of the £1200 which is no use to me as I am relying on it to pay some bills and help me move house. I would prefer a cheque so then I could start the process of settling my account with the Halifax gradually rather than all at the same time. Is this possible?

Ah right nice one. Thanks.

I was just thinking. My bro said his initial offer was only £300 of the £1200 he requested. What is the next stage if I am unhappy with the initial offer? The amount is £1380 and I would probably accept around £1200 just to get it done and dusted. Would I phone them when I receive the offer and say it isn't good enough and try and get the figure up? Thanks again.

WOOOHOOO!!!! I have just got off the phone to the customer relations and they said that an offer has been sent out to me this morning. I don't expect it will be the full amount I will get offered but will wait and see. I am so excited that I have finally got to this stage!!! The refund is close I feel. CMON.

Quick update. Sent my LBA last wednesday so one week is almost up but no reply yet as expected. Should I maybe give them a call just to make sure they got it? I sent two copies, one to Trinity road and the other to the customer relations dept. so they would have no excuse if they say they don't have it.

Genius! Just checked and the dates are on there!

Ok thanks folks. Will hit them with the LBA.

Ok so how would I go about taking it to the ombudsman guys/girls? Or should I just send my LBA? Thx in advance.

Thanks tilly. On all the templates though it requires me to fill in the dates of my previous letters. I have lost them though and don't know when they were sent. Is that important? Do I need to start from the beginning again?

Hi guys I have got a new problem. Who says this is easy huh? lol. My Dad said the letter arrived this morning basically saying that I am not entitled to any bank charges back whatsoever and if I have a problem then I have to contact the financial ombudsman. Not good. I have read the site and from what I can gather my next step would be to send the LBA. Is that right? Thanks.

Thx guys. Will pass the info on.