hya new to this so just sussing out the situation. Just a few preliminary questions, I hope someone can help. I have been with the Halifax for 28years and I know I have had considerable charges over that time as I have had some financial difficulties, can I claim that far back? Also i have a credit card with them which is now with a debt recovery department incurring no interest, can thery get difficult about this if I claim and demand the full amout? Also I was thining of changing my bank account anyway so should I change first and can i still claim if I have closed the account? Thanks for your help.