i'm not very good on the phone and gopt fobbed off saying that they arn't part of the april 2006 ruling this is a motor loan acc sorry to be picky just don;t wanna make my self look totally stupid!!!

can someone help me with regards to a charge of £22.50 being charged to my loan acc to cover costs for going over drawn and then also a charge of £20.00 to cover cost regarding admin charges relating to it. help please!!!

hi with my interest and court fees just got 4k from halifax today!!!!

hi with my interest and court fees just got 4k of halifax today!!!!

money gone into my bank today!!!!! no letter as yet sure that will come as soon as stop off my account donation on it's way. no quibble about daily interest full amount up to today!!!! i'm a very happy bunny!!!!

another new person on this thread just read it all and i'm amazed like everybody on here!!! good luck will look in my diary for friday and might have atrip up if thats ok. but if not good luck again!!!

money claim has been acknowledged, will now wait and see what happens!?!?! sounds silly but fairly nervous about it all!!!!

well done i'm a couple of weeks behind you but it gives me hope!!!!

good luck!!! i'm in front of you as just put in my money claim on line!!!!

good luck sure someone will back me up on this but you should stick to your time scale, not theirs!!! i'm a bit further ahead filled a money claim for almost 4k!!!!!

time for an update... money claim put in for £3865 lets see what happens

good luck just read your thread!!! ollie

money claim being done and filed tomorrow got my time scale wrong all set to go though!!! sent suit to dry cleaners just in case!!!!

Exciting Week. My Closed Bank Acc Is Now Open Again Nathan Stone And The Manager Of My Local Branch All Of A Sudden Remembered The Conversation That Took Place But This Co-insided With A Letter From Fsa Saying That I Had Logged A Complaint With Them (although No Action Was Taken Does Anyone No If This Would Have Cost Halifax Anything???!!!) On Same Day As Phone Call I Recieved A Letter Basically Telling Me As I Had Refused Their Generous Offer To Go Hang My Self Now Only One Day To Go Before I Can Go To Money Claim And Recover My Losses And Also Gain Some Interest!!!!

ok booked hotel stay 7/3 for hotel for girlfriends birthday on 12/3 on great shakes went to http://www.octopustravel.com and booked it £85.50 turned up at the hotel and no booking had been recieved told would have to pay again so gave them credit card and payed agin this time £75.00. e mailed octopus from hotel reception got an e mail back saying please fax us proof of paying again. done that heard nothing phoned them(may now) and was told to fax it again did that and phoned again to see where my refund was no faxes recieved!!! told the guy that i wanted a refund or else small claims court would be contacted!!! had forgotten about it all till halifax rattled my cage and now put my lba for £3377 and remembered octopus!!! just filed my small claims hoping to get it back!!!

good luck am taking the halifax to the cleaners and am thinking about it with egg am at the dlc bit at the moment and will tell them to sling their hook at the min as it is gonna be in dispute look forward to hearing from you to see what happens ollie

good luck!!! can't answer question i was just thinking this my self?!?!?

interest alone is £600 bored and sat and worked it out lets see if they wanna take it to court!!! gonna have a look through the forum but does any one know if halifax have apperared in a court yet???

would go but like most would be worried!!!

lba now done faxed and posted!!!!

Thanks Thought Thats The Way I Was Gonna Go

Do Apologise For My Awful Spelling And Grammer!!!

Well Done Just Starting Off My Claim All The Mistakes Just Mean Your A Normal Person Doesn't It!!! Well Done Again

ok where do i start??? in feb went into local branch to change my address, filled in the form and nothing ever happened. had kinda stopped using my acc and was using just my bussiness acc instead. so as nothing ever happened went back into my branch in may and asked why my address hadn't been changed!!!??? problem with our banks running several systems i was told fill out another form all will be fine! so filled out another form and bingo my pension that i had with them sent me a letter thought this is it all done. on 20th july nathan stone my pension manager called me to review my pension. 27th july pension review day came in i went when he tapped in my details i came up with mulitple addresses warning on his computer!!! it then clicked that still not had any statements from them. my acc was now over my overdraft limit due to me forgetting to cancel a direct debit strangley enough though it was only the bank charges that had sent me over the limit!!! explaineed that not been getting statements or letters he went and spoke to the manager and manager verbally agreed to refund my charges back to my acc and thios would than put it inside my limit. ok this is the good bit start of aug comes and Nathan Stone phones me and says they have shut your acc because of being over limit. went into branch and they bounced it back to head office saying nothing to do with us. filled a official compaint stating all of this and more and 4 weeks later got a reply that if you read between the lines that stated tough luck default to your credit score added it's all my fault that letter was from Nicola Don!!! First phoned my pension manager Nathan Stone from horsham branch to see what he said about the manager refunding my charges and he can't quite recall our conversation (now very upset thought that Nathan Stone was a nice guy!!!) phoned her up (nicola Don) on her direct dial number (01383 426825) and am afraid to say went round and round in circles which at that point had it refered to a senior customer relations manager. she kept banging on about the banking code of conduct to which i replied that they don;t stick to it with regards to there unfair bank charges (had been on this forum and was already to send letters!!!) to which she replies that halifax doesn't think that they are unfair and that is their final answer, i then said i would like to make an official complaint that i would like to reclaim these unfair charges. put phone down and kicked myself that i didn't just do it the letter way but was angry and upset by now!!! so then i got a letter thanking me for my letter (THERE WAS NO LETTER IS THIS A STANDAD LETTER BACK FROMN THEM!!!) saying that they will offer £883 refund in charges i've worked out that i'm owed £4100 ish from them as i haven't followed all proceedure on here any clues what to do next???