Since sending my DPA Subject Access request on 18th September 2006, I have had nothing but the run around from the Halifax. They failed to supply my statements for the last six years by the deadline and only after hounding various employees via email addresses, I finally got my statements through last Friday. I took Monday off work to attend to compiling the spreadsheet of charges and part way through examining the statments I noticed that a whole 18 months of transactions were missing. There was an entry for the 11th December 2002 stating "Account Renewed" and then showing a credit the same as the balance for that day. The next entry was dated 11th May 2004 and again was noted "Account Renewed" with that day's balance beside it. I emailed the person who had signed the letter enclosed with the statements and he could not offer me an explanation as to why this info is missing. He said he would consult the IT department and get back to me by the next day.Of course he didn't until I emailed twice! Here is what he said: "I have been advised that IT are "restoring the files" but that this is a complex task which will take some time, I apologise for the delay, but there is little that I can do to speed up the process. As soon as I hear something more positive I will let you know. In view of the delay I will arrange for the fee in respect of your request to be refunded." Has anyone been treated similarly? I need to know what to do next. I think I have to send a letter of non-compliance. Is this right? I am able to calculate my charges for the statements I have had - should I submit a claim now for that amount and advise I will be sending a further claim when I know the details for the missing 18 months? PLEASE ADVISE I AM SO FRUSTRATED! AARGHHH!!!!!!!!

No. Sorry I mean the non-compliance letter. I haven't got details of my charges yet.

I am in the same boat as you Sharkbait. My letters were sent and received the same time as yours but I have still not received anything. Did you telephone them or did your statements just arrive?

I have not received my statements yet despite emails from Kelly Duffy (name recommended on earlier thread) and a letter from them confirming my request is being dealt with. I sent my DPA Subject Access request on 18th September - and then the Letter Before Action on 30th October. I was promised statements by 4th November but still nothing. The b*$t*r6$ cashed my cheque for £10 on 25th September. Can anyone guide me please. I don't know what the next step is and I've spent ages scouring the site for the links/threads to advise me but can't find them. I guess I need to obtain court order but need help in knowing what to do. If it makes any difference, I'm in Scotland. Don't know if the law is any different here. Please help!!!!:?

I sent the Data Protection "Non-Compliance" letter yesterday as the 40 days were up. My letter was sent 18th September & received on 20th September per the recorded delivery tracking on the Royal Mail site. The Halifax tell me they didn't get ot until 25th September so the 40 days are not due up until the 4th November. I have told them I have proof of signature from the recorded delivery so they are now asking me to send them the tracking reference so they can investigate who signed for it and why it took 5 days to reach the correct department. Now correct me if I am wrong but should they not just be getting on with my request at this stage? Is it really something I should be asked to do? Am I being petty? I just feel that I am helping them with their case if I co-operate. It is not my fault the letter took 5 days to reach the relevant person. I am sure I read another thread where someone was told the Halifax is a paperless office and all mail is scanned into the computer system on the day of receipt. Should I give them the tracking reference?

Hi I wouldn't hold my breath for a quick response if I was you! I posted my S.A.R - (Subject Access Request) to the Halifax on 19th September and they received it the next day. My £10 cheque was also cashed immediately. I emailed them on 19th October to "gently" remind them of their obligations - this was opened immediately by a Louise Wood. Still no reply!!! Mysteriously though, they have reviewed my overdraft (which they had upped temporarily to help me cope with the £270 charges they had hit me with in one week) and they have kindly decided to continue with the arrangement. Aren't they lovely?? Can anyone please remind me again - does the 40 day time limit kick in from receipt of the S.A.R - (Subject Access Request) or the issue date?

In my own headstrong way I would be up for the challenge of court but a little voice inside of me tells me it may not be that easy. I would be worried for mine & my husband's jobs if it backfires as I work for the government and he's a cop. Neither employer looks kindly on dodgy finances and can put you through disciplinary action. Not that my finances are particularly dodgy but I have gone over-overdrawn etc. What the hell........... why should I feel intimidated? it's not me who is manipulating and breaking the law! Anyway,early days for me yet. S.A.R - (Subject Access Request) was sent recorded delivery on 18th September - no response yet. I emailed them a gentle reminder yesterday which they have opened. Hope they get their finger out, I would like the dosh for Christmas.

Just curious to know (although perhaps jumping the gun) - what happens when you've won your case and been paid out. Do the Halifax continue to charge you as before or do they just charge what they should charge i.e. the true costs to them of an unathorised overdraft. Also want to know if they close your account in retaliation.

Thanks Overdrawn I have now posted my previous post on the Halifax Bank forum as recommended. Lukesmum

Hi everyone. I have joined today because I am about to take on Halifax plc. I naively thought a begging letter to their understanding (not) Customer Relations department would get me back the £270 in charges they applied to my account when I was out of the country and over my agreed overdraft by £225 for little over a week. I have been told today that I am in breach of the contract I signed agreeing to conduct my account in a "proper manner" so I am not getting the charges back. As I have been with the bank for over 17 years, I now think it is time they got a taste of their own medicine and I took them to task. I will be sending away the Data Protection Act letter tomorrow with the fee and hope you will all wish me luck.

Hi everyone. I have joined today because I am about to take on Halifax plc. I naively thought a begging letter to their understanding (not) Customer Relations department would get me back the £270 in charges they applied to my account when I was out of the country and over my agreed overdraft by £225 for little over a week. I have been told today that I am in breach of the contract I signed agreeing to conduct my account in a "proper manner" so I am not getting the charges back. As I have been with the bank for over 17 years, I now think it is time they got a taste of their own medicine and I took them to task. I will be sending away the Data Protection Act letter tomorrow with the fee and hope you will all wish me luck