They might have put it in the bank when they sent the "full and final" letter, sometimes they do this... Which rejection letter did you send? I am at the same stage but I no longer have the account so they said they would send a cheque after the 14 days.

I have looked at the refusal letters in the FAQ Section, but I am still unsure which letter to send. The letter from the bank says "Full and Final settlement of your complaint" and they will issue a cheque in 14 days. The letter was received After the expiry of the LBA, but before court action From what I understand, letter 5 and 6 are not applicable unless I have started court action. there are no further conditions attached so letter 2 is out. Letter 4 is also out as it is a "Full and Final" offer. So I am not sure if I should use letter 1 or 3... Please help!

Hi Jowalshy, I thought it did seem a bit large but I keyed in the information exactly the same as my other claims, on the same spreadsheet. Would you like me to send you my copy of the spreadsheet if that is of any help?

These are the details of the Interest on Penalties from the spreadsheet: 31/08/2002 0.53 28.59 250.00 0.00 30/09/2002 0.19 28.41 250.00 0.00 31/01/2003 1.45 -256.44 250.00 1.45 28/02/2003 3.68 -265.12 250.00 3.68 31/03/2003 5.19 -259.31 250.00 5.19 30/04/2003 4.67 -9.67 250.00 0.00 31/05/2003 4.87 -259.86 250.00 4.87 30/06/2003 0.72 -260.58 250.00 0.72 31/07/2003 5.64 -266.22 250.00 5.64 31/08/2003 5.84 -255.83 250.00 5.84 30/09/2003 4.47 -258.30 250.00 4.47 31/10/2003 5.52 -290.82 250.00 5.52 30/11/2003 5.78 -296.60 250.00 5.78 31/12/2003 6.31 -358.91 250.00 6.31 31/01/2004 7.20 -394.11 250.00 7.20 29/02/2004 8.05 -430.16 250.00 8.05 31/03/2004 8.26 -466.42 250.00 8.26 30/04/2004 9.62 -504.04 250.00 9.62 31/05/2004 10.09 -514.13 250.00 10.09 30/06/2004 11.27 -525.40 250.00 11.27 31/07/2004 11.13 -536.53 250.00 11.13 31/08/2004 11.75 -548.28 250.00 11.75 30/09/2004 12.00 -560.28 250.00 12.00 31/10/2004 11.86 -572.14 250.00 11.86 30/11/2004 12.53 -584.67 250.00 12.53 31/12/2004 12.38 -597.05 250.00 12.38 31/01/2005 13.07 -610.12 250.00 13.07 28/02/2005 13.35 -623.47 250.00 13.35 31/03/2005 12.36 -635.83 250.00 12.36 30/04/2005 13.98 -649.81 250.00 13.98 31/05/2005 13.80 -663.61 250.00 13.80 30/06/2005 14.57 -678.18 250.00 14.57 The second figure on each line is the amount of interest that has been charged. and the last figure on each line is the amount relating to the charges.

I am not sure if any of this makes sense. I am confused too :? I am trying to find out what to do next...

I have used the complex bank charges spreadsheet which you can see part of below, this gives the total penalty charged as £221 and interest on penalties as £256.74 (note: I have cut out the spreadsheet as it did not paste)

I have just received a letter back from Halifax making an offer for just the charges (£221). The spreadsheed for complex bank charges shows £256.74 interest on charges and there is also the 8% on top of this. Should I get all of this back and which letter would I send to refuse this offer as there are six different ones. I have not gone to court action just yet as I got the letter on the day I was going to court to put the claim in. Halifax also say I have 14 days to reply to the letter dated 18th April 2007 Thanks for any help you can provide

Better late than never... I had almost given up getting my statements and was tempted to make a guess. I decided to call them instead of all the letters and e-mails. I spoke to someone who was really helpful and said I would receive the statements in the next few days, which I did! I have now sent 4 prelims off with a total of £3,000 ( I would only have guessed about £2,000!)

Addresses for the above letter: Phone company addresses: BT Customer Services BT plc Correspondence Centre Durham DH98 1BT VIRGIN MEDIA Virgin Media - Watchdog Complaints Matrix Court Llansamlet Swansea SA7 9BB Talk Talk (mobile) TalkTalk Telecom Limited Customer Care 1 Portal Way London W3 6RS 3 3 Customer Services Hutchison 3G UK Ltd PO Box No 333 Glasgow G2 9AG Email: [email protected] O2 Jonathan Attwell Arlington Business Centre Millshaw Park Lane Leeds LS11 0NE Email: [email protected] T-Mobile 6 Camberwell Way Doxford Sunderland SR3 3XN Email: [email protected] Vodafone Vodafone Customer Care, Vodafone House, The Connection, Newbury, Berkshire RG14 2FN Orange Orange Executive Office Senhouse Road Lingfield Way Darlington County Durham DL1 4YG Email: [email protected] Utility company addresses: British Gas House Contact Centre PO Box 50 Leeds LS1 1LE Powergen PO Box 7750 Nottingham NG1 6WR Npower PO Box 93 Peterlee SR8 2XX EDF Energy Customer Service Team EDF Energy Customer Service Team Freepost 3814 London WC1V 6AJ

This matter was on BBC's Watchdog on the 14th March, they suggest to write a letter to the company that is charging the non direct debit fee. Letter to cut and paste below... ------------------------------------------------------------------ [YOUR ADDRESS] [ADDRESS OF COMPANY – list of company addresses are below] Dear Sir or Madam, I am writing to protest about your penalty charge for customers who do not pay by direct debit. I think this charge is unfair and does not reflect the true cost of processing my payment. It seems to me simply a way of increasing your revenue. Provided I do so on time, it is my right to pay my bill however I choose. Why should I pay more just because I don't use your preferrred payment method? I urge you to reconsider this unreasonable charge. But if you insist on continuing with it, I would expect you to demonstrate that the charge is justified. You will be aware that the law says penalty charges must be fair. I do not believe that this is the case with yours, but look forward to hearing your explanation. Yours faithfully, [YOUR NAME] ------------------------------------------------------------------

I have about 4 claims on a prelim at the moment with Halifax... Does anyone know if a Halifax loan can be claimed, I have had 9 charges at £10 each and one charge for £50 plus the interest that goes with them from 2003! I am not sure if the £10 is too low to claim. also does anyone know if excessive interest rates can be claimed back? I would be grateful for any help... ------------------------------------ HALIFAX 1 - Prelim sent 5/03/07 HALIFAX 2 - Prelim sent 5/03/07 HALIFAX 3 - Prelim sent 5/03/07 HALIFAX 4 - Prelim sent 5/03/07

I have about 4 claims on a prelim at the moment with Halifax... Does anyone know if a Halifax loan can be claimed, I have had 9 charges at £10 each and one charge for £50 plus the interest that goes with them from 2003! I would be grateful for any help... ------------------------------------ HALIFAX 1 - Prelim sent 5/03/07 HALIFAX 2 - Prelim sent 5/03/07 HALIFAX 3 - Prelim sent 5/03/07 HALIFAX 4 - Prelim sent 5/03/07

I have now received a letter from the Halifax with a complete load of waffle talking about their complaints procedure etc. Not to forget saying they have enclosed a copy of the complaints procedure leaflet, which I have heard so much about! (they actually forgot to put one in, that will save a bit of tree) The letter was signed by: Sharon Cook Customer Relations Manager Core Business Team Customer Relations 01383 426 823 (Just in case anyone wants to send any more complaints her way) Should I give them a bit longer or should I just go to the local county court?

Does anyone know if you can request details for more than one account on the SAR? When I sent the SAR I put details of all my Halifax accounts as the template said "account numbers". Have I made a mistake, if I have should I start again or should they have sent the details to me... I am only wandering about this as the N1 template says: "2. The Claimant (has/had) an account number (Insert Account Number) ("the Account")" If I can use a SAR for more than one account do I need to file different N1 forms or will all the accounts work on one N1? Please help, as I am really confused now!

Thanks morgan054, that is really helpful. I am a bit worried, as I did not send anything recorded or registered... The cheque for £10 I sent has been cashed, so I hope that will be proof of the SAR, any idea if this will affect the case, and how much should I claim for in the N1 form? Also do you know if there is a time limit for me doing this, or is the sooner the better... Thanks. Data Protection Act sent to Halifax 23rd August 2006 Should have received statments by 2nd October 2006 failed to comply letter sent 3rd October 2006 Still no reply from Halifax...