Well thanks to everyone that has given me advice over the past few months. Following the letter I received from the Halifax the other day offering me part settlement I gave the man a call and have just made him increase his offer from £370 to £500 wich was £15 short of my demand so I'm very happy. His name was Jonathon Park 01912357810 incase any one else wants a contact number, he said they were very busy with this sort of thing at the moment, I wonder why ;-) As soon as I get my money I will be back to donate. Thanks again and don't give up the fight its worth it in the end!!! May try my luck with Barclaycard next!!! Good Luck All Cheryl

Anyone have any advie on this?? Please! Cheryl

Well I received the reply to my letter requesting repayment. Almost a week later than it should have arrived but still. In it the Halifax have kindly offered £397 as a gesture of goodwill which is quite tempting, my claim is £574.99 so the offer is nearly £200 pounds short. What should I do now? Proceed with the Letter Before Action or do I need to take a different aproach. They have also threatnened to close my account if I go into unauthorised overdraft again! It says they've been trying to call me and thats why the letter is delayed, yet I have caller display and have had no missed calls where its a private number or that I don't know the number of! Some advice would be greatfully received!!! Thanks Cheryl

Well I sent my Data request letter on the 2nd October, it was signed for on the 3rd October and the cheque for £10 cashed a few days later. On the 6th November the Halifax wrote me this letter COmpletion of Request for a list of transcations and charges Thankyou for your letter requesting specific information on your acount with us, I can confirm than copies of duplicate statements have been orderd and will be sent under seperate cover. With regard to your request for information relating to manual intervention on your account HBOS plc is under no statatury obligation to record this information so I am unable to assist further wiht your request. So it is now 20th November and No sign of the copies of the statements arriving. So do I send them another letter or ring them. I really don't know what to do next. I was really hoping to get this sewn up by xmas and have a nice cheque on its way or in my account!! Thanks Cheryl

Well I thought it was about time I came and introduced myself. My name is Cheryl and I'm married, and a stay at home mum to 2 children, 2 and 5 and we live in Warwickshire. So not much spare money floating about. I decided I had had enough after Halifax tried to charge me £99 this month. 2x £30 and 1x£39 Twice my card worked when I had no money and once a DD bounced. Managed to get the £39 dropped as a good will jesture, but they basicllay said they were standing by the other charges as my fault. I'm sure its their fault for authorising the card personally but still its TIME TO GET MY MONEY BACK HALIFAX BEWARE !!!!!!!!!!!!!!!!!!!!!!!!!! I posted my Initial letter to the Halifax 2 weeks ago (the one to ask how much they've charged me) and they cashed my cheque 4 days ago so I assume this is a good sign. They had the letter about a week before they cashed the cheque. I recorded delivered it so have the exact date with the receipt so I can calculate my 40 days. But I think they will comply this far as they've cashed the cheque. I'm expecting to be told they have charged me around about £500 pounds over the past 6 years. Including £60 this month!! We try and maintain our account properly but someone always hangs onto a cheque and cashes it when I've forgotten I've even written it or a direct debit goes out early. Does anyone know what happens if you get your money back and get to keep your bank account with them, do they ever charge you again? Or what happens? Thanks for the great site, I recomend it to everyone I speak to and will do even more so when I get my Xmas bonus from HALIFAX!!! Cheryl