Hello you wonderfully brave people! I admire you all so much for what you are doing and thankyou for motivating me to do the same. I have today, sent my dpa letter to the Halifax. Ive just read on another thread that Halifax send out copies of all statements after this request. which seems odd as when I have requested a duplicate statement in the past I have been.......yea you guessed it........CHARGED! I use internet paper free banking, so I never have anything come through the post from the bank, which is why Im even more angry at the 39.00 pound charge I incur for every unpaid cheque and direct debit., after all I dont even cost them the price of a stamp! I have all of last years transactions archived on my pc and the total in charges for that year was 702.00, so I hate to think what the over all for the last few years has been. I have always incurred charges because of charges, Ive even been charged 39.00 for a 4.70 cheque because I was a pound short! I will keep you posted on how I get on.........good luck to you all