Just wanted to let you all know that after filing moneyclaim 5 days ago the halifax have crumbled and refunded all my money including interest and costs. Total £2203.85. A big thankyou to all those who helped me, to this website for fantastic letters and spraedsheets and to gmtv where i first got the idea that i could get my money back! Im off now to fill in the survey then to hit the shops!!!!!!! Good luck to all those still persuing their claims. Remember it is your money and you have a right to it back. Just be patient and a little brave and you will get there!!!!! Thank you once again Leanne:lol:

I have just finished filing my money claim and am just wondering if i have send to the bank and court a schedule of charges or do i wait until they ask for it? Also what is my next move how long have halifax got to reply and so forth???? All advice gratefully received

Thankyou for your reply. Do you mean i should write back to halifax deleting amount of interest or do i just proceed with moneyclaim ( there time was up on the 27th Sept !!!)

Please can anyone help me. I have just re read my LBA letter and think i may have gone wrong. I stated that " I am claiming £1605 plus £478.52 which you have charged me in overdraft interest for the sum which you have taken" However i now realise that they have not taken the amount of £478.52 from me and i got a little confused in thinking that the 8% interest needed to go here. The halifax have sinced replied offering me £562 which i wrote back and accepted as part payment but told them i still wanted my money back in full and would proceed with court action if necessary . They then replied stating that they were sorry that i was not in a position to accept this offer and refered me to the ombudsman. I am now about to fill in moneyclaim but am worried they may now have a way out PLEASE HELP

Hi there i am at exactly the same stage and having taken advice from a couple of people on here am going to send letter accepting offer as part payment but remind them they have until 27th to pay in full or face court action.(14 days since they received LBA). Dont let ombudsman stuff put you off its their standard letter which i received this morning. Stick to your guns!!!!!

Thanks madamv will send letter of rejection stating i will accept the offer as part payment and still persue the rest. They have til 27th til court action!!!! then it gets scary!!!!!

Good Morning everyone Please can anyone advise me on my next step????? I sent my first letter asking for money back (£1605) and received offer of £187. I then sent LBA on 13th Sept and have received letter this morning now offering £562 being six months of charges and they are saying to comply with legislation i can now refer to financial ombudsman. Is this a ploy to stop me from continuing and do i need to reply to this letter accepting this money as part payment and remind them their 14 days runs out on the 27th and go straight to moneyclaim or do i ignore this letter and wait until 14 days elapse and file with moneyclaim??? Please help Im getting a little confused now Leanne

Please can anyone confirm as to what i do next. I have sent the prem letter and received an offer for £187 (they owe me £1605) and was wondering if i send the lba letter and ajust it or if i am missing something and there is a different letter i should send Please help me!!!!

Sorry just read momystique details please could you let me know email address so i can send preliminary letter too thanks

Thankyou for advice am alot wiser now. Will get on with spreadsheet and letter:oops:

Please can anyone advise me as to what i am supposed to do next. I received my 6 years bank statements following a verbal request at my local brach ( also paying £5 fee) I since have calculated that they owe me £1605. Do i now fill in spreadsheet and include the 8% apr interest and if so which letter do i send with this as i did not let the bank know that i intended to claim back the charges. Please help im a little confused!!!! Thanks Leanne

Hi there I made the first step of going into my local halifax branch and asking for the last 6 years of statements.I paid £5 fee. Just a couple of questions: Is this Correct? After reading threads dont know if i needed to say i wanted DPA How long do they have to provide me with these? What action do i take if they do not arrive? Please help I am a little confused! ?:?

Thanks for the advice will read now i actually went into halifax and requested statements for last 6 years they charged me £5 which i have a receipt for. Is this correct?

Hi all This is the first time i have posted on here and some of the advice given is great! I took the first step in requesting bank statements for the last 6 years from the halifax earlier this month. I was just wondering if anyone can tell me how long they have to provide me with this information as they said 7 - 10 days and they will arrive! However 21 days later and i am still waiting! Any help and advice would be greatly recieved!

hi there Just wondering how long your statements took to arrive and if anyone knows if they have a time limit in which to send these? Thanks