I'm acting on behalf of my Mum - they charge pensioners too! We sent the first letter requesting 6 years charges in October 06 but never heard anything back. Called at start of November and they claim not to have received the letter. Sent another letter to which they sent a reply stating they would send the information within 40 days (there're letter is dated 7th November) and they returned the £10 cheque saying it was not necessary. I take it as 40 days and not 40 working days? I'm planning to call them tomorrow to find out what is going on. Will I need written consent from my Mum to Halifax for me to act on her behalf? If I get no response am planning to send fax requesting information and giving them 7 days to get something out. Will then report them to the Information Commissioner. Does anybody know what happens then? Until We know the charges can't really take it forward.

Bit of an update. Ist letter sent requesting 6 years charges but never heard anything back. Called at start of November and they claim not to have received the letter. Sent another letter to which they sent a reply stating they would send the information within 40 days and they returned the £10 cheque saying it was not necessary. I take it as 40 days and not 40 working days? Will call them tomorrow and send fax requesting information. Will then report them to the Information Commissioner. Does anybody know what happens then?

Hi, Unfortunately, this is not a one off, so will take the other route. Think I will adapt the Data Protection letter. Many thanks for your help.

Hi, I'm looking to act on my Mum's behalf - she just got charged £39 for going over OD 14p. Does anyone know the best way of going about this? Was think a letter from her to bank to say direct through me? Problem is I live 250 miles away and reading through some of the repsonse times will want to keep things moving. In addition, don't want her to have to deal with the bank on the phone. I'm just going reading through all the details do's don'ts etc - having diffuculty downloading the spreadsheet - any help? Ordered small claims books too. Thanks

Hi, I'm looking to act on my Mum's behalf - she just got charged £39 for going over OD 14p. Does anyone know the best way of going about this? Was think a letter from her to bank to say direct through me? Problem is I live 250 miles away and reading through some of the repsonse times will want to keep things moving. In addition, don't want her to have to deal with the bank on the phone. Thanks