Hi all, I need some advice. I had a template for the first letter to the bank which I copied and edited with my own charges amount, which exceed £2000 over the past three years. Halifax then replied and offered to give me £200 back as 'a gesture of goodwill'. I wrote a second letter saying that £200 are not only about 10% of the charges and could they please make me another, more acceptable offer. The deadline I set them was 4 weeks from the date of my letter, which was 7th July (so they should have answered me by 7th August). However, up to today I have not heard from them, but they still carry on charging me the £39 per transaction refused plus the £28 for making me overdrawn by charging me. In the last 2 months this amounted to about £500!!! In fact they even had the cheek to write to me and warn me about 'somebody' using my account unlawfully and making it overdrawn ... when it was them themselves who did it. I also have a bad credit rating because of their charges. What can I do to get at least some of these excessive charges back?? I only earn £800 a month and due to their charges couldnt pay my rent in full the last couple of months and have now been handed my notice of termination of my rental contract. I really am at a dead end, so please, please help. Thanks in advance. Karina