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We have put in 3 LBA for 3 accounts we have with the Halifax. The first response said that they wouldn't be responding to our letter! and matter was closed. Yesterday we received a letter offering us £50 in full and final settlement against all our accounts - we are claiming just over £1100. I will be writing back not accepting the offer made in this standard letter. I will also be questioning why one letter said the matter was closed only to be followed up by an offer letter. I will give them 7 more days to make the offer in full to us and then I will follow up by court action if they do not comply. Does anyone have any advice if they have been faced with the same scenario.

Have had statements sent for 3 accounts after 2 lots of requests - several years were missing first time round. We have sent the first 2 letters requesting payment and their time runs out on Monday. However today we receive our first response saying that they have reviewed our account and the charges would not be refunded. I called the number given and was told by a team leader that the Halifax does not repay charges and give in to demand letters. They have not paid out any moneys in light of the recent hype in the media and are not changing their banking practices in any way. And they have not been taken to court by anyone and lost to date. It did sound rehearsed and in light of this should I now proceed with my claim through court. If you have had a full settlement from the Halifax can you let me know. Can anyone

Hi sorry to hear that you were put of by the journey to Abu Simbel and the armed guard escort. I have been to Egypt 5 times over the last 10 years and feel it to be one of the safest destinations I have been to. The journey to Abu Simbel is through desert on a single track road and the Egyptian Authorities to prefer tourists to travel in convoys of several buses with an escort due to the nature of the surrounding desert. You have truly missed a wonderful experience. As far as I can remember and I was only there a year ago all the excursion lists state that this is done by convoy with guards and that it is an early start as are all excursions in Egypt due to the extremely high temperatures and they are trying to look after their guests. I'm not sure that you will be able to claim any recompense as everything is clearly stated and the information is readily available. Hope you get a satisfactory response from your tour operator.

Thats great - what stage did you have to get to before they paid up and did you deal with your own branch or Trinity House?

I took my DPA requests into my branch a week ago and was given a receipt for it and was told that the manager would take the appropriate action. I also gave permission for any DPA costs up to a max of £10 could be taken from each account. They are now saying that they have never received the letter despite the fact that I have a signed receipt from them. I am taking the letters in again tomorrow but will be reminding them that they have wasted 7 days of the 40 they are allowed. Also had more charges today for a returned dd to them however for the last 6 payments they have taken the money on the 13th but this month they decided to take in on the 12th. They get you everyway possible.

Thanks everyone I am putting my letters in post tomorrow. Will keep you all posted to progress.

I have just become aware of this action group site and am considering sending DPA letter to Halifax for the 3 accounts I have with them. They owe a small fortune for the last 6 years but not sure how likely they are to do the right thing and pay up.