Many thanks Sarah. Willdo and will keep the forum posted. Regards. Tom.

Despite having written no less than THREE prelim letters to Halifax requesting a "full & comprehensive list" of all the charges, etc, etc, they still have no even mentioned this fact in their replies. The 40 day time limit has now expired so, what do I do next? Obviously there is little point in writing to them again as they seem to be of the opinion that if they ignore me long enough, I will simply "go away". Some chance! Any advice and/or suggestions would be greatly welcomed. Tom.

Hi Nigel, Many thanks for your advice. Much appreciated. Yes, I have read (and continue to study) the FAQs and yes, I "framed" the prelim letter in the correct phrasing, but for all the notice they took of it, it may as well have been in Swalihi!! I realise that they are deliberately ignoring my request for a "full & comprehensive " list of my charges and I sent a second letter asking again and advising that they have 40 days to come up with the goods. Still receiving standard letters with no mention of my list but the most recent one stated that they were refunding me £100 as a "gesture of goodwill" Some gesture - I haven't seen a penny of this money yet! Do they send it by cheque? I raced along to the atm (in case they changed their mind but all it contained was zippo!! Mind you, if I DO actually receive this money I will accept it as a partial payment off the balance and continue to molest them for the rest! My problem now is, do I wait for the 40 day period to expire and then proceed to step two or do I ask them again for the list of charges. Unfortunately, I do not know exactly how much I have been overcharged over the years (4 years plus) so, without the list I am really up the creek as they can (can they?) claim any amount that suits themselves. I will keep everybody posted and take this opportunity of thanking everybody for all their help and assistance in advance! ( With the exception of any Halifax *ankers (bankers!) who may be lurking around this site! Regards, Tom.

Assistance & Guidance!!! I sent a prelimenary letter to Halifax asking for a "full & comprehensive list" of all charges and received a standard letter which utterly ignored my request. I immediately sent a second letter demanding my "list" and once again received another letter but still no list of my charges!! Halifax are obviously hoping that I will go away - NO CHANCE! This money may only (!) be a few hundred pounds but they are MY few hundred pounds and I want them back! Should I write yet again or proceed to step two? Today I received yet another letter from Halifax ( Still no mention of my requested "list") They wrote - Quote: " My recent letter does not refuse the refund of charges incurred on the above account. It is a standard letter issued to all customers, blah, blah" it goes on to remind me that I MUST pay £25 each time I do not make a minimum payment, MUST pay £25 each time my account balance is over my credit limit on a statement date and MUST pay £25 each time a direct debit, cheque or other item is not paid. They follow this up rather sheepishly by stating that it is only since August 1st that we have lowered our fees to £12 as recommended by the Office of Fair Trading! They end by stating that " We would look at no time to refund all charges and interest incurred on your account before said period. ( In other words, P...Off!. ) Mysteriously, they then add, " I have as a gesture of good will refunded charges to the value of £100, to avoid escalation of your balance at this time" How nice of them! NOT! Interesting to note that when I went along to the ATM to get that hundred out pronto (!) it wasn't there! Surprise, surprise! Any ideas on what I do next? All advice appreciated and, yes, I do hope to make a donation to the forum - just as soon as Halifax make a donation to me! Keep you all posted. Tom.

Good for you, girl! I wrote a similiar letter last week to the Halifax and am yet awaiting a reply. I fully intend to follow this up. By the way, HELP!! Despite stopping my Telephone Banking (last year) They - the Halifax - have, over the last five months tormented me (and my family) with unsolicited calls at all times of the day, night and evenings - including one at 8.15am on a sunday morning! I have considtently asked them to "cease and desist" to no avail. Recently I pointed out to them - in a letter - that I am a disabled person (which is quite true) and that these unwanted calls were causing me extreme distress and upset. They have since stopped but I wonder if I can make them pay up for all the hassel they have caused me with these calls? Tom.B.