If you look on your bank statements they tell you each month how much they're debiting and date.

Letter has gone to OFT with copies of correspondence but not to MP. My MP is a waste of space sent her copies of correspondence regarding the hike in interest on the Halifax bank accounts in November and have copied in ever since and all I get is a postcard saying correspondence received. About the time we received the stat demand there were many others who won, it will be interesting to see how many of them start new threads or are we just one of the unlucky ones!

Thank you. I've got letters already to post when I go out, including OFT. I will update thread when I hear something.

Yes in 2008 thats when I was claiming back charges for my daughter and they had no CCA. Applied for the charges offered £100 for nearly £1,000's worth of charges - I refused - next thing was a letter from 1st Credit. I know theres no agreement, 1st Credit actually sent just terms and conditions. Morgan Stanley sent an unsigned copy which was newly printed.

I've just done a letter enclosing a copy of their last letter where they paid out and asking them to confirm whether they have now have a signed agreement. Will see what happens Thanks for the replies, will update with what they respond.

No they haven't issued yet but it definitely says "we will be issuing legal proceedings". I am just wondering whether they have taken out all their maybe's and mights because of GAG and they are now want to look more seriouse:D

I've just looked out the old file and it was December 2008 when we won the set aside. A letter from Cannaugh dated 23 December 2008 when they sent the cheque for costs stated "We confirm we are in the process of obtaining full information in regards to the debt balance. Full information shall be provided to you shortly. We confirm no further action shall be taken against you in the mean time". I shall send them a copy of this now as no further information has been forthcoming.

What I can't understand is that they had the opportunity to present their case and evidence when they issued the stat demand but they didn't, so what would they gain from issuing legal proceedings now. The situation hasn't changed they have not produced a signed credit agreement. I think I am just going to write to them and ask them as they have decided to proceed to court again then presumably they now have a signed credit agreement and ask them to confirm it. OFT where copied in on the original correspondence.

When they issued the stat demand part of our defence was the lack of signed credit agreement. 1st Credit pulled their usual stunt and wrote to the court and said they were not contesting the set aside. We've already been down this road once prior to the stat demand being issued.

OK. Originally a Morgan Stanley Credit Card, then Goldfish, we were in the middle of trying to claim charges back and we made a CCA request. They didn't have an agreement but then sold the debt to 1st Credit. 1st Credit issued a Stat Demand in Oct 09 and in December 09 we won set aside with costs. My daughter has today received a letter stating that they are are issuing legal proceedings. Thats it at the moment.

We won set a side against 1st Credit the latter part of last year together with expenses but my daughter has today received a letter from them advising her that they are issuing legal proceedings. Can they do this?

If you have received their final response then you need to download the complaint form from the FOS website and copy all your correspondence and send with the form.

You can only initiate a complaint to the FOS once you have received a final response from the Halifax on any individual complaint.

Reply received following my emails to John McFall. Thank you for writing to Mr McFall; he has asked me to reply. It is extremely useful to be kept informed of problems which occur with individual banks, as we can feed that into our work; for example we raised the question of the new HBOS overdraft mortgage arrangements with the Cheif Executive of the Lloyds Banking Group when he came before us. I note what you say about the FOS. However, I am afraid that the Treasury Committee is unable to take up individual cases. Yours sincerely Eve Samson Clerk of the Treasury Committee

Re-scanned picture for anyone who hasn't got word.

When I first read this letter I thought it just goes to show their mentality to employ a Market Research Company to find out how they had handled a complaint when the complaint was referred to the FOS. They'd have been better off paying me back what they obtained by unscrupulous methods instead of wasting more of the taxpayers money.

Following my previous post on being contacted by a Market Research company on behalf of the Halifax I have today received their response. I have now circulated this letter to the ICO, FOS, OFT, John McFall and my MP and shall await the outcome, but to say I'm livid is an under-statement. Halifax letter 6.2.10.doc

Yes, same here taken the £26 and charging £5 a day. I've put my complaint into the FOS now and I have said in my letter to them that how long it takes the FOS to get around to dealing with complaints the interest charged will be something like £1,000. Don't know whether they will take the hint and work a little faster! I also copied in OFT, John McFall and my MP.

Well, I'm in exactly the same situation and my complaint has been ongoing since 26.10.09. I received their final response and I was told to go the FOS. I find this a ludicrous situation, I am willing to pay off the overdraft at the rate of interest I did agree and not the new one they introduced. They have now applied the new rate of interest which has taken me over the agreed overdraft and I received a letter saying that interest rates will now be £5 per day. I have put a complaint into the FOS I've also copied in OFT and my MP. I cannot believe that they would rather pay £500 for a complaint to be dealt with by the FOS than come to a manageable repayment with me. I have been a customer for 10 years and I have never had any problems with them until May last year, since this time it has been nothing but hassle.

Received a letter today from the Halifax stating their position remains the same and for me to complain to the FOS. I shall take their advice and complete a claim form over the weekend. If they want to waste another £500 then so be it.

Complaint done. Emailed Eric Daniels and copied in John McFall and my MP. See what they say before making a complaint to the ICO. They'll be that sick of me at the Halifax that they'll pay me to go away!

Actually it did cross my mind about DPA. I was watching TV when he phoned and I was cross so never actually got the firm's name, however, I do feel another complaint coming on!

I received a phone last night at around 8.00 pm from a market research company. I asked what they were doing ringing me as I was registered TPS. He said he they were acting on behalf of the Bank of Scotland and Halifax and they wanted to ask me some questions. I said I'm not interested I can answer what I think of the Halifax in one sentence and the fact that I have a complaint in with the FOS speaks for itself. He then said "Thats why we are doing this research". I find it unbelieveable that the Halifax are incapable of sorting out internal complaints, advise you to go to the FOS then carry out a market research on why your've gone to the FOS. It appears that the Halifax are yet wasting more taxpayers money. I just wonder what the Halifax are upto now?

I think the essential point here is that it is classed as an insurance policy and as such Littlewoods should have gotten a signed document. There was an ex-employee of Littlewoods who told how the staff of Littlewoods had to sell this extra care. It was always done over the phone very quickly so that the customer hadn't got time to digest what was being sold and so that you would agree to it to get them off. Even if this was done on the phone then they should have followed up with documents for signature. I believe that their selling methods of this product is flawed and as such you should pursue the matter through the FOS and tell Littlewoods that their correspondence is misleading as the complaint is current and not relevant to when they became a member. Also ask them what other insurance company sells over the telephone without following through with paperwork? Finish off by saying, In the circumstances, I await either a signed document confirming that I agreed to the Extra Care, which incidentally I know you cannot provide, or a full refund of the amount you received from me by misrepresentation. Please be advised failing a satisfactory response from you within the next 14 days you leave me with no alternative but to pursue the matter through the FOS. I was going through all this with them in 2007 but they would not concede to refunding the extra care but they wrote and advised me that they would not pursue the debt. I found this totally unbelievable as the Extra Care I was trying to claim back was about £600 but the debt was £1,200. There appears no logic in their outlook whatsoever. Good luck to everyone who is trying to get their money back.

I would also send a copy of that letter to Eric Daniels, Chief Executive - email [email protected] Also email John McFall and your own MP. I think the more people that do this who are caught in this trap the more the Halifax will have to re think their strategy.