Hi Maz We got it all back - we first got a letter (exactly 8 wks to the day like they said) saying that they would give us a goodwill gesture of half the amount we wanted. I phoned them up and said that it was unacceptable and that i would go to the FOS etc and they said we could have the full amount, so that was a bonus. Am doing my other 3 accounts now but don't know if they will go the same - fingers crossed! Well done you take care lYnn

HI i have 3 other accounts with the Halifax, which were closed down last year as they were overdrawn - with charges !?!?! They are not as much as this one but are still worth claiming, now that i've got the bug! But wouldn't have been able to do it without all the info and help/support on this site, it really is a godsend, so will be def donating as soon as the halifax pay out thanks again lynn

Hi all Just to let you know that I won!!!!! I still can't believe it :) I phoned the bank back to tell them that i wasn't accepting the offer and that i would go to the FOS and they said that they would let me have the whole amount and I received the letter this morning confirming it! Should be in my account in 2 weeks, onwards and upwards with the next 3 accounts that i have Thanks to you all for all your help and advice - I will donating to the site as soon as my money comes through Thanks again

Thanks guys for all your help I really appreciate it! I have an address in England that i can use, my Mother-in-law lives in Carlisle. I am now off to read as much as I can before calling the bank back tomorrow to refuse the offer. Will keep you posted THanks again Lynn

Hi A D Thanks for all your suggestions I will go to the library and have a look there, I had been led to believe that because it was such a big claim the obudsman would be the best way to proceed with it. I could split it down into 3 year sections and claim it back that way, that would bring it under £5k - what is MCOL? Sorry am very new to all this. Thanks for the quick reply Lynn

Hi all, was wondering if anyone knew what my next move should be - we are claiming back £8631 charges from the Halifax, but we are in Scotland so it exceeds that amount to claim it through the small claim court, so we are going to have to go to the Ombudsman to ask them to fight it for us. The bank have had their full 8 weeks and today have offered us £4700. What I wanted to know please, is if anyone knows what my next move should be when refusing this offer? As I am a bit confused about what to do next, can I still complain to the Ombudsman if they have made me an offer which i consider is not enough? THanks Lynn

Hi bigmac, thanks for getting back to me. When i looked on the FOS website it said that the bank has 8 weeks to give a full and final response and they would not get involved until this had passed-that's why i gave them 8 weeks. If the 2 weeks is up from the date they received the first letter then do you think i should issue the lba today Thanks Lynn

Hi Maz, thanks for getting back to me I have been on the phone to them for an hour today and they deny all knowledge of having recieved my letter - despite it being signed for on 27th Feb. So they now stated that i have to go into the branch and fax it to them today and that they have eight weeks to sort it out, but i have told them that i am taking the eight weeks starting on 27th feb as that is when they signed for the letter whether they have received it or not! I can see this being a real fight as i have already got a customer complaint in with them for not sending me all my statements despite requesting them 7 times,they kept missing out the same 2 years :-| :-? :-| Oh well no-one said it would be easy did they?! Good luck with yours regards Lynn

Hi Maz, i'v not even had a reply from them to say that they are dealing with my letter, how long was it from you sent your first letter till you got a letter saying they were dealing with it, thanks LYnn

Hi thanks for getting back to me, i may sound stupid but what are the FOS and how do I get in touch with them, would i continue pursuing HBOS with my next letter or go straight to FOS thanks in advance lynn

Hi all, am new to this but have got lots of information by just reading I was wondering if anyone could give me any info on claiming back over £750 in Scotland. Have sent off our letter to Halifax 2 weeks ago claiming back £9795 inc interest-haven't heard anything back from them yet. Was wondering what to do if next or what will happen if we have to take them to court as it is larger amount than we can claim in small claims court in scotland. Any advice would be greatly appreciated thanks Lynn :idea: :-| :idea: :-|