This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Thanks so much, I'll check.

Filed at court but Halifax settled just before hearing date

Can I go through process again?

I am claiming £3567. I had a phone call today offering in the first instance £512 as repayment of this years charges, I accepted but said I would still pursue full refund. At this the offer was taken back, but then, as I have been a customer for so long and as a "goodwill gesture" I was offered £1100, again I accepted but said that I would still be pursuing full refund. This offer was also withdrawn and I was told that I will need to take legal action or contact the financial ombudsman. I await the next move with bated breath. Oh and the man said that in his opinion £39 per letter is a reasonable charge and a true reflection of their costs!!!

I've posted my letter before action today. I did receive a reply to my preliminary letter, it was the usual "sorry to hear...blah blah" signed by my branch manager. I am interested to see how far they'll go. By the way just a quick question, I hope someone can advise, on my statements I have £30 for a paid amount, £39 for an unpaid one and £28 for going £30 over my overdraft. Firstly, am I correct in thinking that I can claim for all of these amounts, only I was reading through the FAQs today and I noticed in the step by step thread something like "that after all you are not claiming the interest on your overdraft" is the £28 noted above classed as the interest? Secondly on many of my statements the bank have lumped all the charges for one month together in one instance £207 how can I, and do I need to, separate these amounts for the court? Also I realise that this wasn't such a "quick" question after all sorry!!

Fantastic news you give hope to all of us newbies

Just got back from the post office and have sent my prelim letter. No going back now! Bankfodder, I hope I have posted this properly this time, I don't want to get in trouble again.

Sorry I'm not sure how these things work, I thought it would be easier for people browsing the forum to find a topic that was relevant

You're doing a brilliant job. Thanks fellas. Ali

He's also in Hemel Hempstead, Herts. Faster than a speeding bullet etc

Thanks again!!

Sorry if this has been covered before but I have checked FAQs and a lot of the posts and can't find the answer. Right here we go. In the What I Require paragraph it states I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX Do you have to enter separate amounts or can it just be a total only I am having a nightmare trying to work out what the charges are for as on my statements they have often put down Charges as notified £56 for example and I am not sure how to split them. Thanks to anyone who can help on this. :?

Hurrah! I received my statements this morning, in 33 envelopes, poor postman I have painstakingly highlighted all charges and am about to add them up, can't wait. I am wondering whether it will add strength to my case if the charges I incurred before they gave me a £1500 overdraft add up to somewhere in the region of £1500! That would be interesting!

I haven't actually received mine but they said it was absolutely no problem to order all 6 years worth, I spoke to two different men today and they were both really helpful, makes me worry, I think I must have a suspicious mind.

Quick update, I phoned Halifax again and the man I spoke to this time informed me that if you request a statement from one date (in my case Feb 1 2000) to another date (Mar 15 2006) they class it as one statement and charge you accordingly (£5) Has anyone else found this or maybe others are, for instance asking for a statement for Jan, Feb, Mar etc 2000 and so on. If so perhaps this may help.

I will check that but he said he was making a charge for £5 from my account. If not I'll be going OD again and getting more charges

Just thought I'd let you all know that I sent a letter to request 6 years of statements to my branch on 10/3/06. I have just called telephone banking to find out if they'd received it and a really nice man told me that I didn't need to send a letter, I could just request them via the phone at a cost of £5.00. I have now done this and can apparently expect to receive them in 5-7 days. I am concerned because it seems to have been too easy, any thoughts? :?

So are all of you really going to be brave and claim your money back? I really am scared about it, I'm all for challenging the establishment but I want to know that everyone else is doing the same and, coward that I am, that there will be no consequences

Hi all, Can someone please explain to me why, if this excessive charging is unlawful and bearing in mind the publicity, the banks are still making these charges? I am just starting on my claim road and am extremely nervous about it. 586rJKEE4