And now I'll start my husbands claim

Although, it probably goes against the advise (sticking to deadlines) I would suggest hanging on a little while longer, even a week to 10-days. I should have issued N1 on 20th June, but was dithering about and received my "goodwill gesture" letter dated 29th June. Initially only offered half amount claimed, but following phone call (direct number to customer service) they offered full amount. Seems to be the norm. It's worth a quick phone call!

Many thanks, this is a great site. I've completed the survey and made a donation

Thanks to Sea-SideLady, I've now reconsidered the offer and accepted the full amount in settlement of my claim against Halifax. That's another success Thanks to everyone for the advice

Like many others I've now recieved my gesture of goodwill letter from the Halifax, in which they offer only half the amount claimed. I was given a direct telephone number and got though staightaway to the Customer Relations guy, who was pleasant but firm and stressed the charges were fair, reasonable and applied correclty, but to avoid any futher inconvenience and as they value our relationship they were prepared to refund the full amount of charges incurred (double their goodwill gesture figure). I've actually declined this offer, based on if I pursue through the court I'm entitle to 8% interest - but am I right?

How is overdraft interest calculated?

No response to LBA, so guess it's time to send N1 I appreciate the 8% Interest under s.69 County Courts Act 1984 is calculated within spreadsheet. But I'm unsure how to calculate "overdraft interest" or whether I need to claim this. How is it calculated?

thanks for all the support, just needed that little extra push. I'll send LBA today.

I've been checking FAQs and threads since receiving response tonight, some very similar, but my decline letter (quotes below) seems to be more off putting and gives several reasons to stop (but guess that' the idea) First post, sorry if it's a bit long winded - is it really just a ploy and I should carry-on regardless with LBA:confused: "Carried out investigation....charges have been correctly applied to your account" "when you opened your account, you agreed to our t&cs which explained that charges would be applied if you did not keep to terms of the account..... This information formed part of your agreement with us and we have applied them strictly according to the terms agreed" "we apply these charges because when customers have insufficient funds in their account to cover a payment.....this means additional work for us. As a result we feel it is reasonable to charge for this service" "you have asked us to explain how we calculate thes amount of charges....this is commercially sensitive....cannot provide this information" "You referred to the guidelines on credit card default charges issued by he OFT. As the guidelines do not apply to bank account charges, I cannot comment in connection with your concerns. The guidelines are about default charges which people must pay when they break the terms of a credit agreement with the lender. The charges that you are asking us to refund are our fees for the additional work that we carry out when a customer requests a payment without sufficient funds in their account" "If unhappy can refer my concerns to Financial Ombudsman Service (FOS)"