well! they have given up, kinda an anti climax realy, got a letter yesterday from the customer relations manager that has been dealing with my procedings, " on a purely comercial basis as its unlikely that the halifax will be able to recover its costs if it wins" they are sending me the full amount plus interest plus costs within 5 working days , i'll cancell the court case once the cheques cleared hehe Just Egg to sort out now!

Well, as usual the ignored the first request for my charges back, just sent out the standard response giving themselves 8 weeks to reply, after 14 days I sent out the pay up in 14 days or face action letter which they also ignored, so filed the court case yesterday at least this way i get to claim my 8% interest too lol

Finaly! yesterday (1st march 07 ) I got a letter ( dated 23rd feb ! ) to tell me that the documents are ready to pick up at the local halifax branch, upon presentation of Id documents "as the adress we have on file for you does not match the adress from which you have made the request" strange then that they managed to send me a letter notifying me that the account was being closed ! anyhow, letters going off today asking for my £300 back.

Well the little tinkers havent sent me my statements and the 40 days are up today, just printing out the leter before action to force them to comply, are they dragging things out at the moment waiting for the ruling from the ombudsman on what an acceptable level of charge is ?

Hi. Posted off my SAR on the 15th Jan, got a reply from the Halifax on the 30th Jan to tell me that the information has been orderd and is being sent under seperate cover, still waiting for that at the moment.

Well, spent the last couple of days reading through stuff on the web site, great stuff! You have all inspired me, I have sent off my SAR to the Halifax tody soon as i get that underway I shall be after Egg, MBNA and RBS.