Hi everyone, Recieved this reply back from the Halifax,thought u like to know what they said; Thank you for your communication regarding the charges applied to your account. I am sure you will appreciate that like other organisations we incur costs for administering you account for late/unpaid payment or overlimit situations.The Bank believes it is fair to pass these costs on to the accounts affected,rather than absorb them into other areas of our organisation,penalising all our other customers as a result. HBOS clearly outlines our charging policy in the Terms and Conditions that apply to your account.In addition we are committed to compling with the Banking Code,which sets out standards of good banking practice for banks and building societies follow when dealing with personal customers. In view of the above,I regret to advise I am unable to refund the charges in question as they were applied to your account as per your original agreement. I trust this clarifies the situation.Should you require further assistance,please do not hesitate to contact our call centre bla bla bla What do u think ?Bog standard Letter before action next? :o BRING IT ON!

:mad: HI any one help:idea: Trying to suss out the addresses to send my claims too,i have a halifax visa address and a debit card address to find,i have looked on the site. Visa requests came from fife,customer services Debit requests came from leeds,customer services Im sure i dont send them back to them or do i? Any help would be great

any idea"s about the above please?

Hi everyone its been awhile Just recieved my Halifax visa statements. So many statements,take me an age to get through this lot. Do i claim for the over limit charge as well as the late payment charge. Cash advance interest and purchase interest and my credit card repayment insurance including insurance premium tax,boy dont they do well out of us im stuffing the money under the bed in future:lol:

Yea,I second that motion,more power to us all!!!!!

Do you think they take a postal order!!!!!!!, LOL All i keep reading about is lost cheques,fools!!!!!

Whoa, Remind me not to send off cheques,i think ill go for a postal order or something? lol Seriously good luck:D

LOL,i think i need more ink cartridges for my printer!!!!!

I hope you get a result soon,you deserve it,you give me courage,you all do.

Thanks for that Seasidelady. So iv just phoned up, this is the no. for credit card 08457283848. HALIFAX CREDIT CARD SERVICES PITREAVIE BUSINESS PARK DUMFERMINE KY99 4BS I have now got to send a letter requesting my statements from 99 to beginning of 04,name address etc and they will then let me know if i have to send any more money.I did say i had already paid £5,but as one account is debit and the other is credit its 2 different lots of money??????Spare moment i will do this,youngest back from playschool!!! Will be watching MARTIN SHAW on friday night,thanks for that. Should i change my bank account ?

Hi Watched watchdod last night.didnt catch the last bit at the end,who was the man and F.O.S.,(08456801800)the number to ring?:-?

Thanks for the info. I cant remember my account no. for credit card but im sure if they have my name and address they can find them.I shall send off for the book as well,and also change my account to another bank?any suggestions?

So is that right,i shouldnt have to pay any more money to halifax,even if i asked for six yr statements, and i had forgot that i changed my card from credit to debit card over 2 1/2 yrs ago. I should go to the bank and asked for my credit statements now going back the previous 3 1/2 yrs.??????:-? :-? :-? :-? :-?

Hi again, Is it a good idea to send off for the Lawpack,Small Claims kit. Im becoming a little lost on the site,and not really sure what to do next,when i recieve all my statements All my charges are for direct debit charges(insuffient money)and overdrawn,(no overdraught) Any tips for me please. Also,i had a halifax credit card, over 2 years ago,can i chase that up as well,for charges of say late payments?

Good luck,

Hi everyone, Here" an update,since last Tuesday 13 feb. Paid £5.oo directly to halifax,and asked for my statements for the last 6 years,Have recieved them today 20 feb,but only going back to march 2004. Have moved around alot in the last six years,but surely this shouldn"t be a problem. Spoke to Halifax over the phone again,and have been told to go into a main branch,with ID and they will sort it out. So im off to the bank again this week. Will i have to pay again,do you think? I think previous card going back was probably a halifax credit card?(reason they only sent me 2 half yrs of statements,not sure?Three kids and four moves in the last few years has frazzled my brain?) £676.OO SO FAR! IN CHARGES!!!!!!!

Thanks ever so much,i"ll mark it on my calendar.

:-| :shock: :-| Good Morning everyone. Iwent to my nearest branch of Halifax,and asked for six years of Bank statements.They acted very surprised,i even told them how much i had to pay!£5.00. Even more surprised when they said there was a huge backlog,and i would have to wait 4 to 5 weeks!!!Is this normal,or should i demand these statements,within a certain amount of days?

Hello everyone, My first post today,slightly nervous.Have phoned my Bank up to ask for statements for the last 6 yrs and they have told me i must go into my BANK (HALIFAX).Pay £5 pound and no problem,so i will pop into the Bank Saturday and wait for my statements to arrive.Here"s hoping i can get some money back from the countless times they have charged me!