I have a screen-reader called JAWS which reads what's on my screen (so long as its not an image or pdf) but still navigation is pretty difficult. I'll have a look. Does it make a difference if I'm in Scotland? I don't have a cheque book as I can't sign cheques.

Hi, What's an SAR? Isn't that some sort of disease... can't be sending them SARS throuh the post, bound to get myself done for that! Besides, wouldn't know where to get hold of it! Lizzie

Nah, Just two months ago I was charged about £88 and over the years have been charged numerous charges... hate to think how much. Maybe, like they say, it's my own fault for 'abusing' the terms and conditions of my account by not being a multi-billion pound profit-generating greedy bank who have lots of other peoples money at their disposal. Lizzie

Hi, I received a letter from Halifax Bank Of Scotland this morning informing me that as my account was overdrawn when they attempted to pay direct debits for £15, £19 and £53 and as the money was not in the account until the next day I was to be charged £136.00. I phoned Halifax and the first lady I spoke to seemed to find it quite amused about the whole affair and when I said about wanting to speak to somebody superior she suggested I put it in writing and (knowing I was blind) decided to add that I better make sure I signed the letter. I spoke to her superior who said that there was nothing they could do and as a 'good will' gesture HBOS were willing to 'waive' £30 meaning the only charges I'd incur would be a tiny £106.00 for being overdrawn for a day. She then transferred me to the customer relations department who told me they weren't the customer relations department and gave me the correct number for the customer relations department. I spoke to a lady in the customer relations department who wasn't especially interested in customer relations and said that if people choose to 'abuse' the terms and conditions of their account then any and all charges they incur are their own fault... not sympathetic in the slightest. I then spoke to a guy in the Chief Execs office who said that he had the discretion to waive the charges but wouldn't. Does anyone else think that it's not entirely fair that a disabled person who struggles enough as it is should be charged £136 for being overdrawn for 1 day? Lizzie

A few months ago when this site was first mentioned on MoneySavingExpert I wrote to the Halifax requesting my statements for the last six years. When they arrived I could not understand what they sent... the print-outs were not like statements at all and extremely difficult to understand so I didn't do anything about them. Today I got notified I was getting charged £88 because they'd decided not to pay two direct debits for £14.65 and £8.65... the £14.65 unpaid direct debit was for Halifax insurance which I'd already written to them telling them I wanted to cancel as I'm already paying insurance with another provider! I took another look at the 'statements' again today but I just don't understand it at all. The columns are 'branch', 'agency', 'C/S Date', 'Reference', 'As Date', 'Notation', 'Amount', 'Balance', 'CQ CLR' and 'Remarks'. A typical line says things like... 592 24.9.03 987 EFT1 10.00DR 673.24 DR This means absolutely nothing to me, what do I do? It's made more complicated by the fact that I am blind. How am I meant to know what's a charge? What 'notation' do Halifax use to show a charge? Why couldn't they have sent me proper statements? Lizzie