I have also received the letter. Very angry as I have been with Halifax for 7 years and up until June I had an overdraft of £500. I was then offered an overdraft of up to £4500, to which I foolishly took £3500. Did they know then about the changes and why was I so stupid not to realise something was a drift??? I am opening a new account in the republis of ireland now (I live in Northern Ireland) and will be signing the petition and sending letters. I am disgusted that they can change the terms and give me 6 weeks notice. I will also be spreading the news to raise more awareness of this robbery. sigsoldboy/bookworm, great work so far.