I'm on the phone to Halifax again. They say a letter was sent on Wednesday 28 February offering these payments as full and final settlement. I have not received any such letters and have been unable to decline them before a standing order has been taken eating into the refund. Mysteriously I've now been on hold for over 10 minutes!!!! Can they do this? After 16 minutes on hold, just been put through to Bev Anderson on 01244 692166 - a Customer Relations Manager

OH MY GOD - what should I do. My other half has just looked online at our accounts with Halifax and today I have received three individual payments totalling 1,400 pounds into my accounts that I am trying to reclaim charges for. I sent my LBA late, by special delivery yesterday insted of 16 February and then these payments arrived. I've had no letters or phone calls. I called online banking but they can't tell me where the money has come from. One of the payments is spot on what I was asking for, the other two are out by 694.00 Has this happenend to anyone else? What should I do now? :eek:

Thanks for that, I was really starting to doubt I was doing the right thing, but I know I am. Lon

23/02/07 Since issuing my prelim letter the Halifax are getting really ****ty on all my other accounts with them (I have a few). I believe this is due to my request for charges to be returned. The lastest trick is to put a debt collection agency onto me for 39.80 that had already been paid. I'm getting really stressed out and as usual hit a brick wall when I try and call the Halifax. God knows what they are gonna do when they get my letter before action? Are they allowed to behave like this? Should I contact the financial ombudsman or are they just being bullies because they can? Any words of wisdom would really be appreciated right now Cheers Lon :-x

Hi Paul, Yep, send it to the Trinity Road address. I sent mine on 01/02/07 and got a standard reply back from then on 12/02/07, their usual delay tactics. Their time is up and i'll be sending letter 3 tomorrow. Stick to your guns, you've got nothing to lose. Good luck LON X

Sorry, me again. One other thing, when I sent off my Preliminary letter I did not include the interest, was this a mistake on my part as Ii was getting a lttle confused? If it was my error is it too late to add the interest. Thanks Lon x

01/02/07 - sent my Preliminary Approach for repayment 12/02/07 - Received reply from Halifax. A standard letter, "sorry you are unhappy with charges applied to your account........ Customer Relations Manager will investigate points raised and will you will receive a reply shortly, certainly no later than 4 week" Question: As their 14 days are now up, even though they have responded but with delay tactics, can I send the Letter Before Action? As always, any help and advice greatly appreciated. Lon x

Can any one help or offer me some advice. We're having real problems with Clydesdale Financial Services. We changed banks some months ago and during the transfer some direct debits were not set-up with new bank. Clydesdale were one of them. We then received two letters on the same day, each charging us #22.50 totalling #45. Am I right in thinking that the charges they are putting on our account are just as unlawful as the bank charges? Our original agreement wasn't with CFS, they took over the company and our account was transferred to them. Any help would be greatly appreciated. thanks LON

17/11/06 - called Halifax (Martin Clay, very helpful - will post his number when i get home). He advised that statements had already been sent but he would copy them again, at no charge and sent them out that day. 18/11/06 - big fat envelope arrived Special Delivery from Halifax Yipee. 20/11/06 - called Martin Clay thanking him for quick response but I was concerned that the previous statements had not made it to me. He then changed the story and told me that as i have online banking, even though the £10.00 had been taken from my account my request had not been processed!!!!! The Halifax are "looking into" this problem. With my high-lighter at the ready I've scoured the statments and i'm ready take the next step! Watch this space

Thanks, just what I needed to hear. I'll use the contact details you've given and chase them up. Fingers Crossed Lon

Finally made my thread in the right place! I have read all the FAQs but still be confused. My plight with the Halifax is not a happy one. I have three accounts and have received charges on all of them. further to sending my SAR on 28 September I received a reply today - not what i was expecting though. They advise that copies of duplicate statements are being sent under separate cover - i thought i had requested a list of charges relating to the accounts - then they say "with regard to your request for manual intervention on your account HSBO plc is uner no statuaroty obligation to record this information and i am therefore are unable to assist further with your request" - I'm not sure what this means. Has anyone else had this response from the Halifax? As i've still not received the statements i'm not sure what to do? Please help, i'm disheartened by their response. Lon 20/05/06 - Data Protection Letter sent (x 3 accounts) June 06 - Halifax Letter received claiming 5.00 cost per statement June 06 - I panic and give up without a fight!! 28/09/06 - find this website and get back on track 28/09/06 - S.A.R - (Subject Access Request) letter to be sent recorded delivery 10/10/06 - S.A.R. Cheque cleared account 06/11/06 - received letter confirming duplicate statements are being sent under separate cover. Told they are under no statuartory obligation to record this information and therefore wil be unable to assist!

Hi out there. Can anyone help me!!!! I sent my SAR letter to the HALIFAX on 29 September 2006. The #10 cheque cleared my bank on 10 october 2006 and today I have received a letter, but I'm confused. They state that duplicate statments have been ordered and will be sent under separate cover. is this a delay tactic as the 40 days is up on Thursday. I though i'd requested details on charges and not copy statements. They also state that with regard to my request relating to manual intervention they are uner no statuatory obligation to record this information and are unable to assist further with the request. I don't really understand what's happening. Having lots of problems with the Halifax generally and this has just topped off my day. I'd be very grateful for any advice. Verty stressed Lon

Hi, this is my first visit to the CAG Forum. I wish I found it months ago. I'm a halifax customer, and not a happy one at that. Following an article i read some months back by Motley Fool, i decided to try my luck reclaiming charges i received from the Halifax. I have three accounts with them are unfair charges on each. I sent an individual letter for each account requesting a comprehensive list of charges etc etc and gave them 40 days to respond. I recevied letters stating that i would have to pay 5.00 for each statement on each account!!! I didn't research enough and i'm scared off easily - well not any more. I'm going to write to them again and I plan to send a cheque for 10.00 for each account making it clear that i request information on past charges and not past statements under the data protection act. my letters are ready to go but can anyone confirm that this is the right next step? Thanks and look forward to your replies Lon :confused: -=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=- 20/05/06 - Data Protection Letter sent (x 3 accounts) June 06 - Halifax Letter received claiming 5.00 cost per statement June 06 - I panic and give up without a fight!! 28/09/06 - find this website and get back on track 28/09/06 - S.A.R - (Subject Access Request) letter to be sent recorded delivery