Hi I sent my preliminary letter to the Halifax on the 5 January and last Friday received a reply from them stating that they received my letter on the 9 January and that they are sorry to learn that I am unhappy wiht the charges applied to my account - of course I am!!!! They have put that a Customer Relation Manager will investigate the points raised in my letter and reply to me by no later than 4 weeks - do I keep to my timetable and send the Letter Before Action on Friday or do I wait for a reply from their Customer Relations Manager? Thanks

Thanks Martin I have already made an error - probably going too fast for myself. I already have all of the bank statements for the last six years and know exactly what I have been charged over the period do I go straight to step 2 and send the preliminary approach for repayment rather than having to send the Data Protection Act request? Karen

Hi I am new to the site and am just about to start my action with the Halifax. Today was the final straw, I transfered over money during the Christmas period to cover my 1st of the month direct debits - my own fault really but due to the bank holidays the money did not credit until the 2 January and lo and behold today I have been charged for 3 failed direct debits totalling £117.00 plus 95pence interest so far. So wish me luck, the first letter before action is going into the post today with the £10 fee. Can anyone tell me whether this action can be taken regarding mortgage charges also. Thanks Karen

Hi, I am so glad I looked on this site I have exactly the same situation happening at the moment with a company called Duke's baliffs relating to two parking fines that I thought I had paid over two years ago so far the charges are up to £569.00 for each ticket, therefore totalling £1138.00 for two £40 tickets I have wrote to them asking for a breakdown of these charges but so far have had no response - is it true that a baliff can take your car away if it is parked on the property?