All monies recieved in an out of court settlement!!!! No break down of costs though If anyone is considering starting a cliam or is about to loose faith with a claim - dont give up!!!!! This will work! Get your monies back and stay away from the red. THANK YOU ALL!!!!

Letter received from County Court stating that halifax want to defend the whole claim. Getting excited at a court room show down! Even if i dont get the money, I want an explanation as to a break down of the costs involved!

Claim has been acknowleged by Halifax 01/09/2006

letter sent to halifax rejecting offer of £55, informed of court proceedings!!!

Update - Court Proceedings just started: Reply from halifax recieved dated 21st August 2006: Dear %&*& Thanks for your recent letter, I'm sorry to hear that you are unhappy with the charges you have incurred on your account......blah, blah, blah...... As a sign of goodwill we will refund £55of charges in a full and final statement of your complaint. I must stress that future valid chargeswill stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return slip of paper attached.....blah, blah, blah......You have requested information upon how we calculate our cost for dealing with these trasactions. Please note that we are not obliged under the Data Protection Act to supply this information, and as it is commercially sensitive, I regret to inform you that I am unable to comply with your request.........blah, blah, blah..... Yours Sincerely Halifax Suppose it's what I was expecting. I have not responded to the letter, is this adviseable? Instead I have spent £80 in court fees and started proceedings which should be picked up by the courts after the bank holiday weekend. Does anyone have any further advice on what to expect from Halifax one they hae been issued with info that someone is trying to take them through the courts. All replies GREATLY appreciated!!!! I hope that now Halifax will treat me a bit more seriously Chris586

Congratulations Charlotte!!!! Inspiration for all

Cheers for the support guys! Now to get my head around this money claim system.......

second letter sent! Two weeks 2 go!

Letter Received! 7th August 2006 Dear Mr ******** Thank you for your letter, which was received at this office on 7th AUGUST 206. I am sorry to hear that you are unhappy with charges applied to your account. We're keen to deal with your concerns as quickly as possible. A Customer Relations Manager will investigate the points you have raised and you will receive a reply shortly, but certainly no later than 4 weeks. You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint. (It doesn't!) Your concerns will be dealt wih as quickly as possible, but to help us deal more efficiently with your enquiry, please quote ********* when writing or telephonig the number at the top of this letter. Yours Sincerely Customer Relations Officer Customer Relations Not wanting to wait 4 weeks for all this to be blown under the carpet.......I will prepare for the next stage! Does anyone have any suggestions who has revieved a similar letter when fighting Halifax in the past???? All comments greatly appreciated!!! Chris ;-)

Initial letter sent today! Have to wait for post now and see what happens. Looking forward to next stage. Not expecting a result for a few more stages.

This morning I was greated by the postman with a very red face!!!! I have just received about 20 envelopes detailing statements. Having read through them all I have now worked out what the banks owe me: Charges: £677 Interest: £141.28 Total: £818.28 I'm already so excited about the next stage!!! Thanks everyone who has helped so far!

What about contacting the police and requesting a withdrawal statement to be made.

To The Wife an I, I have just finished yet another phone call with the HALIFAX who have promised me that they have sent a statement through the post by lastest next friday. They have aready debited my account £5 for the pleasure. Hence, not sending dater protection letter. If it does not arrive then I will send the letter. Hope that this does not mess the process up! Chris

Have at last received a letter from HALIFAX which reads as follows: I refer to your enquiry about bank charges on your account. We can provide the information requested but to do so there is a £5 statement charge. Statements will then be provided forthe last 6 years. Please provide the authority to debit your account or forward £5 cheque. no action will be taken until we receive this. If you require any further information please contact us. Yours sincerely Customer Services Have given the go ahead to send these details and am waiting another 3 working days. Delaying tactics? When previously requesting statements/other services, I have never been sent a letter asking to confirm this!!!

Yes it is 2006!!!! I must have fat fingers (or a small key pad)! Jonni - thanks for the advice I will take this as far as poss.