Thanks to all that have congratulated me, It's only today that it has really sunk in! To Debb, I feel for you at this stage LOL, it was at this point the waiting game started for me too, and then the nerves, the self doubt... who am i fighting against this huge, massive, company and then the questions ... have i done the right thing etc. From what i can gather from other posts, it's about a week before they're due to give their defence that cash payments appear ...miraculously overnight... from a little fairy.... So don't lose heart, i almost did I will enjoy spending the money, I'm taking my kids on a well earned holiday i didn't think i'd be able to give them, have paid off some of my debts, am going to donate some here as a thank you, and am going to buy a new bed tomorrow... If i get one more spring sticking in my leg one more time i'll scream LOL, besides, i deserve a decent nights sleep haha

Personally speaking, I would contact Watchdog as they had a big thing going on about banks and data protection recently, then I would send the real customer a letter explaining what has happened, that you currently have their statements and would they like them to claim back their charges!!!!

I totally agree with you I DO NOT RECOMMEND ANYONE DOES IT THE WAY I DID, AT ALL, EVER!!! It has given me a few sleepless nights since i found out i'd potentially messed up and i've been kicking myself SOOOOO much, and I agree with moneyhelp too, I think this has happened more by luck than judgement - The account is where my child benefit and working and tax credits get paid into and i have a sneaky suspicion that has more to do with it, because they've taken that money in excessive charges before now. So LloydsTSB will be done by the book. Got a lot of reading to do first on how to do it properly LOL But please people, don't do it on 'estimated charges' - for your own sanity

OH MY GOD!!!!! Well, while I don't recommend anyone do this the way I did, and having had a few sleepless nights realising this could very well end up getting thrown out of court..... THEY'VE PAID UP!! The bank has sent attached a printout of every charge since 2001 (Thank you very much for that hee hee ) Full amount, not 75%, plus interest Thank you Consumer Action Group, and to everyone else out there Have Faith, This Is Your Money Next up... LloydsTSB for an account closed 2 years ago

You think it's bad reading it? You wanna try living it LOL:eek: Reasonable advice given by well meaning family, and now having found this site just realising how badly I've approached this

Nope, 'fraid not. I followed MSE guidelins for estimated charges in the absence of having 6 years of statements...

Hi, thank you both for replying. The schedule of charges I've done are based on the 5 months of statements between October and March that I have and used for calculations with the initial letter I sent to the bank. The initial letter was estimated on those 5 months of charges totalling £546.00 dividing that by 5 multiplying it by 12 (months) and then again by 6 (years) plus i'd stated in the letter that: If you disagree with this amount please supply me a copy of all the charges applied to my account dating back six years within the next 7 days. I hereby give you 14 days to refund all the charges dating back six years on to my account, plus provide evidence that this is the total amount. For the avoidance of doubt, if this is not done within 14 days, I will commence legal proceedings without further warning. I gather by the question that isn't going to be enough?

First of all i'd like to say i wish i'd been aware of this site before i started this! History: Recently divorced, up the preverbial creek financially, through divorce, bank charges left right and centre, oh yes and the job i've had for a year forgot to pay my NI contributions for the last 12 months! Brother and Mum sent me MSE link, so followed the directions from there.... Think that was the wrong thing to do. 23rd March : Sent MSE template letter for ESTIMATED charges (£7862.40), based on the 5 months bank statements i had. (Didn't have a spare tenner to request statements due to crippling bank charges, the charges had my money before i could get to the cashpoint!) Due to recent media coverage on bank charges I now believe that you, Halifax Plc,have been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation. I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79 along with Murray v. Leisure play [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss. I currently have my bank statements for the last 5 months the charges during this period come to a total of £546.00. Therefore I have estimated that over the last six years the total amount of charges you have applied to my account is £7862.40. Consequently I require you to refund me a total of £7862.40 representing the total, unlawful amount charged during the last 6 years. If you disagree with this amount please supply me a copy of all the charges applied to my account dating back six years within the next 7 days. I hereby give you 14 days to refund all the charges dating back six years on to my account, plus provide evidence that this is the total amount. For the avoidance of doubt, if this is not done within 14 days, I will commence legal proceedings without further warning. This action will inevitably involve you paying additional costs. I also hereby request a detailed report of which clause in your terms and conditions each charge has been applied against. Heard nothing, went over my own 14 days deadline till the 1st May, went straight to MCOL 2nd May : Claim was started with MCOL at 10am 3rd May : That evening recieved standard letter from Customer Relations in Leeds of 'sorry you are unhappy, will carry out full investigation, please find enclosed copy of our complaints procedure leaflet, will update you of our progress if we are unable to respond within the next 4 weeks' 16th May : Logged on to MCOL and says claim has been acknowledged on the 16th May - Checked the terms and guess this means they intend to file a defence? I've had nothing as yet through the post, no solicitors letter or anything at all regarding MCOL claim 24th May : Another standard letter from Halifax Customer Relations in Leeds, further to our previous letter sorry you have not yet had a full response will recieve one asap, but no later than 26th June Just discovered tonight (thanks to this site) that I should have sent my schedule of charges off, so I've just done them tonight and will send them off in the morning to the court, and hope it's not too late, although I'm not sure who i have to send the banks copy to...? As at today, I'm not sure I've done the right thing at all, plus i now owe Mum the MCOL fee (£250) Any advice, guidance or help pathetically and gratefully recieved