Good Luck Pete!

Cornishbear, the 'pending' part is when your card details are entered by a retailer, the funds are secured for them, or secure it if any credits come in- this is in Ts&cs, their merchant bank then collects that money for them, it wasnt their to collect- thus explaining the charge. The charge is still a penalty charge, and you should not be expected to sign anything to say you will not aregue what is an illegal practise! Claim it back!

great work andrew1, I think this, in the long run, will cheer alot of people up!

georgel, best thing to do is contact them & ask if they have a central mailbox, as for the claim, use the Branch Address, if they disagree they can amend- I think, see if anyone else offers help!

hi Jaffacat: Bank of Scotland, Customer Relations, PO Box 29112, Dunfermline, KY11 2ZX

Hi abi113, Ok, the charges due to debit will not debit until today- the a/c was already closed- they can't debit. To clarify this, Customer relations (01422 333880) might order an ACR - account report, which basically shows your information for the past 6 years- (NOT MANUAL INTERVENTION THOUGH!!!! everyone!) If they wont do an ACR request, tell them you would like it in writing that at no point you will be contacted as oweing these charges. Hope this clarifies it.

So what would happen if they issue a counterclaim- are they successful normally? Also, they have a £1000 overdraft on this a/c, which they would struggle to get elsewhere!

THIS IS MY MUM & DAD's CLAIM for £790.00 (inc. Intereset @ 8%) No parachute a/c. Letter recieved today: Dear ****** RE: CHARGES COMPLAINT I refer to your letter dated 30th January 2007. The Bank's position remains as outlined in our letter of 26th January 2007. I would commentthat the responsibility to maintain your account in credit or where applicable within the agreed overdraft limit lies solely with you as the account holder. Charges have been incurred because you have presented direct debits/standing orders/cheques with no funds available to honour them. It is your spending habbits that take you overdrawn or over your agreed overdraft limit, and thus result in the bank incurring costs which were passed to you. The debit transaction applied to your account during this time outweighed the credits being applied. The bank charges debited reflect the operation of the account, our charges are documented within our tarriffs and a copy would've been provided to you ata account opening and by time to time by way of statememnt insert. Furthermore, even if you were successful in your argument, the bank would have a claim against you for damages suffered as a result of your breach of contract in failing to adhere to the terms & conditions of the Account. Such a claim would incur court costs and interest for which you would be held liable. However, the bank would like to resolve this matter without the disproportionate expense of court action. I therefore enclose a cheque for £345.00. this cheque is tendered without admission of liability is in full and final settlement of your claim and your encashment will be taken as your acceptance of this. Please note that as this letter is written in an attempt tp resolve the matter without the need for court action it is without prejudice to the Bank's whole rights and please and may not be founded on in any action to follow without the banks written consent.

They're all the same armed gorilla! this link may be worth a look, depending on circumstances. http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/58685-do-you-need-parachute.html

liverpool fan, they are a company, a subsidary of HBoS Plc and are authorised/regualated Debt Collectors. There staff are on HBoS payroll, but so are Intelligent Finance, Birmingham Midshires, Esure. So they do still have the same power as any other DCA,

Hi matthews mum, I would address the two concerns seperately, but see if anyone else has any suggestions!

Baby Boy Jasper, it's your choice as to whether you wish to accept the offer, but if the a/c is in arrears they will credit the a/c. They will not send a cheque as like you'll be getting your money back- they want theirs!

Armed Gorilla, the t's&c's of your gf's account will state that the overdraft can be removed at anytime, and without notice.

Thats understandable Nattie, its going to be interesting to see how the new payments sytem works, and how the banks implement this!

Phonesuregeon, as Mrs Phonesurgeon is still the same person, they can still enforce a debt! Dont feel silly, I had to check I was correct too! But otherwise we'd all be married, then divorce, then married! lol

I would request statements off Halifax, as Blair & Oliver are only handling the account on behalf of them. Correspond with Halifax until they tell you otherwise! Find me helpful? Click the scales!

jaxads, as i believe it, It's more if the debt is in dispute? But obviously if such a time arose that Blair & Oliver were demanding full payment, I owuld refuse for that reason.

To be perfectly honest, Blair & Oliver (Scott has gone!!! lol) tend to do what they want anyway. If they did request payment in full, explain that you are disputing what the 'full' amount is, the debt is therfore in dispute!

crash has outlined the OFT ruling above, but I don't see that they would refund these charges, as these are now recognised as a fairer charge, and are much better than the £38 people previously faced. I think Halifax might start closing Visa's if they were challenged on this. Maybe you think otherwise? Give it a go, If someone doesn't try, we'll never know! And it will be a very interesting case to follow.

They are charges, but they are in line with the OFT ruling.

They will hold the account for a further 7/14 days and hope he makes a payment arrangement. I havent got this far with Rockwell YET! but the next step I THINK may be court, they're thratening me with orders for attachments of earnings etc. and I feel like bankrupting aswell, but its a tough choice, and I dont have masses of debt, I just struggle to pay what they want!

Repayment cover is PPI/Payment Protection Inusurance/Critical Illness Cover and anything else that insures you for repayments. This comes under so many titles!!!! You may be able to cancel, you would need to check your original agreement, which is likely to be with Halifax Insurance Ireland Ltd? If you need to contact these, 0870 600 5000 (switchboard) will give you the number (9-6) or the credit card helpline 08457 28 38 48 will have it. Hope this helps.

Dark Angel, I've only just noticed this post! If you haven't tried already, your partner would need to call, then give them permission to speak to you, and then they MAY speak, the other alternative for a permanent agreement is to ask your partner to sign a declaration basically stating his account details, your details and giving full permission for you to manage the a/c. BUT YOU MUST STATE THIS DOES NOT IN ANYWAY MEAN YOU ACCEPT ANY RESPONSIBILITY!!!

The payroll agency are able to ring your banks clearing dept and as long as they provide the necessary details of their account it left, your account, and the reference & credit date, if the funds are still their the bank has a right to debit the funds, in some cases, they can do this even if you go overdrawn. This will be in the T & Cs, best thing to do is see what happens.... dont make any spending sprees, but yes, they can claim it back, as it is money that you are not entitled to.

That might be the cost to Clearing House Automated Payment Systems, howeve the 'AUTOMATED' is that it automatically goes through them, not through the banks!