Many thanks Tilly As I only have till next Saturday I'm feeling a bit panicky. I will reject the claim, though I'm confused as what to do, if the cheque arrives sometime after I have done this, as time is getting on. Dreamyd

Hi there everyone I wonder if someone could give me a bit of guidance please? This morning I received a letter from the Halifax telling me they are sending me a cheque for £1089.57, (which I never asked for) which I will receive in 5 working days. They actually owe me £1254.74. They have told me they are writing to the court to tell them the claim has been settled & suggest I do the same. They have told me that they are withholding £165.17, because I am not entitled to this........unless I can provide them with evidence,(which I thought I had done, when I sent them a copy of my charges with interest) they will file a defence in respect of this, they have until the 14th July. They also told me they will tell the tax man of the payment which constitutes 'taxable income'. What do I do next?? Many thanks Dreamyd

Many thanks for your advice Happy most helpful Onwards & upwards! DreamyD

Hi everyone:D Just registered & new to all this.......it'll take me a week to navigate round this website:oops: I'm currently in the process of claiming my charges back from the Halifax £1130.39. Last week I received a letter from them stating "We are sorry to learn that you are unhappy with the charges debited from your account.":-x They also stated they had 8 weeks to investigate & respond to complaints. Is this normal or a stalling tactic? I am now going to the FAQ section to try & find some answers. Great to be here! Kind Regards DreamyD