Thanks again SSL you are a star If I wasnt skint I would send u a prezzie;) this one doesnt look as scary.......

does this also apply to Eon electricity? they are asking me to pay an extra £85 a month to clear arears (because after numerouse phone calls they didnt send a bill for nearly a year!!) on top of the £105 monthly bill which I just cant manage.

Thanks again SSL. I think I had just been reading through too many statements and looking at to mant figures, then when I went to look at the spreadsheet stuff and it all just melded in to one big mass of numbers:confused:. do I just use the complex spreadsheet or the "less" complex one?

ok I will give that a go, just looking through my statments I really cant beleive the amount that ive been charged, and also quite confused as to where some of the charges came from. isnt there a limit to how many charges they can aply in a set period of time? also having trouble understanding the spreadsheet tried reading the tutorials and now even more confused. do you think they are more likely to want to settle this quickly if I am in debt with them because of the overdrafts?

thanks SSL Any idea of what i should do now? One thing that worries me is that the CCCs may not want to set up a DMP for me know if my debt has increased. I cant beleive i didnt take the overdrafts into account:mad:.

hello all. I have just received my statement copies back from halif*x (after only 3weeks must be a record lol). I am just in the process of putting all the info onto the spreadsheet but just wanted some advice on another issue.. Both my o/h and myself have overdrafts on our accounts, we have recently set up an account with another bank so we no longer have to get charges from halifax, the question is if we officially close our halifax accounts what happens with regards to the overdrafts? and the charges that they are stilll adding to the account?. will they then start to pursue us for the amount owed? Do the charges stop when the account is closed? Will they even allow us to close the account while there is monies outstanding? we are also currently setting up a CCCs payment plan for all our other creditors but I stupidly did not include the overdrafts in my plan. any ideas? thanks Malcom hater

thank you SeaSideLady. I only just thought of it when I had already sent of my SAR

if you are claiming for charges on a joint account do you need to make a joint claim? and can you still claim for charges if you close you're account/switch to another bank?

ok I will give them a ring and see what they say, like you say it would be better than waiting 40 days, and there will be nothing lost by trying I suppose......unless it just forewarns them.

do you think it is better to send the data protection access request and wait till I have all the statements first?, especially as all the cases are on hold or go another route?

the bulk of the charges have been on a joint account, but there are a few on my oh account (which is what the loan £160pmnth comes out of) . I had to wait until I had money in my account before i could write a £10 cheque to get all the statements (don't want another charge) .I have already downloaded/printed off the letter asking for the statements on the joint account then I can work out the exact amount.

I am not sure as yet exactly how much they have had from us in charges but in the last three months it is probably around the £1000 mark!. whatever it is it is quite a sum.

my OH has a loan with them, but as yet we are not in default the only debts we seem to have with them are created by damn charges. Halifax really are a breed apart aren't they, would love to give the dancing singing guy on the adds a sound beating:evil:

we haven't really got much worth selling tbh I would sell the pc but i need it for studies I already sold the car to raise some cash (and bought a cheaper one) and its not like we go out to the pub and stuff the only unnecessary expense is a pack of tobacco once a week, I have also tried looking for work closer to home so that I don't have to spend about £200 prmnth on petrol and my wife about £80 on train and bus

no...is this incase hlfx close ours?