hi there, Sorry for the confusion. I have sent my second letter claiming back my charges to the Halifax. My problem is with the BOS, they have not acknowledged my DPA letter and the 40 days is now up. I was wondering what my next course of action should be. Should I now start totalling up all my charges and send the claim for charges mad to my account or am i supposed to wait for the BOS to get back in touch with me? Sorry I feel completely lost here. Might just forget it, chris

hi sorry what does thread merged mean? With regard to my situation so far: I have sent my letter requesting statements from the BOS but I have had no reply from them, it has now been 40 days. Without all my stements I can not proceed as I can not request my charges can i ? So could anyone help me out here, with the luck I have had over the last three years I will probably be the first person here to LOSE!! Also does anyone have any advice on claiming back " chargebacks" from credit card companies. ?? thanks all. chris

HI , I am really struggling to get any joy from BOS. I sent my £10.00 and request for all statements but have had no reply. Problem is I cant do anything until i receive all my statements. What should i do next? any ideas. jemfingers

Hi thanks for all your previous help. I sent my DPA to Halifax and they have replied within the 40 days, So I have sent my second letter to them claiming back my charges. However I have had no response from the BOS and their time is up on Monday. What do I do next? many thanks and sorry for sounding so dumb.

thanks for your help and advice. Just to clarify, the chargers were definately £35.00 and my balance was clear. I have sent a DPA so fingers crossed. thanks again:)

hi, I am new so excuse any mistakes. I have just received a letter from B.O.S. charging me for going over my overdraft limit. However my O/D limit is £1350.00 on the day in question my balance was £1190 O/D with £730 of cheque and PDQ payment into my account pending. I had three cheques bounced on me for £11.16 - £110.00 and £56.98. The Banks expanation for this was that " by the end of the day your balance would be OVER your limit". They have subsequently hit me with three £30.00 charges and a £35.00 charge for the account being over my O/D limit had the cheques been cleared !!!! So i need to know WHY did they NOT pay the amounts that COULD have been paid and how can they charge me £105.00 !!?? They COULD have paid the £11.16 and the £56.98 or they could have paid the £110.00 and the £11.16. What can I do as this MUST be wrong. I hope I have not made my self look stupid but I could really do with some help cheers jemfingers.