you shouldn't be anything else at 3!!! haha

haha, yeah tilly is a demon claimant!

just looking at my old letter templates, they don't seem so relevant, as i've done it before, should i say something like, "you are still charging me unfairly after my previous claim" ? Or if someone knows a fitting template i could use? Cheers.

Right, lets do it!!!! Thanks.

Got paid out last year by halifax, can i claim again? They charged me £105 in a week. Plus £29 for un-authorised OD. Don't they know i beat them before!?

no, will only post me a breakdown.

hi, advice needed quite urgently. basically i'm a new property owner and have to pay for a management company. the tune of £1000 a year. They do nothing to earn this and have just sent me a bill demanding £450 within the next 5 days or they'll go debt collection route costing me a further £125. They sent me a bill for £65 2 weeks ago and now this letter. I don't think i should pay them at all, they don't do a thing for me and can't justify the makings of the charge over the phone. A friend said that they tried charging him for garage upkeep in his breakdown. Since he lives next door to me in a flat with no garage it seems cheeky. So where do i stand? Can they demand money just like that?

hi, can anyone help. In november, i called o2 to cancel my phone contract as it was coming to an end. i recently noticed that they were still taking money from me and when i called, they said id agreed to a new 12 month contract from november. As far as i was aware i had cancelled it. Is there a way to stop this contract and get my money back as i did not start this new contract or sign anything. They also said that my place of birth was my security question which was their proof of me agreeing to a new contract?? Does this count as proof as i had a contract with them directly up until the date in question? PLEASE HELP!!

hi, can anyone help. In november, i called o2 to cancel my phone contract as it was coming to an end. i recently noticed that they were still taking money from me and when i called, they said id agreed to a new 12 month contract from november. As far as i was aware i had cancelled it. Is there a way to stop this contract and get my money back as i did not start this new contract or sign anything. They also said that my place of birth was my security question which was their proof of me agreeing to a new contract?? Does this count as proof as i had a contract with them before? PLEASE HELP!!

Dont settle for less, take the full amount plus 8% interest!

just to let you know, halifax sent half my statements requested and then i allowed them 14 more days after the 40 days were up as a "goodwill gesture" and then i sent them a letter threatening reporting and stating my treatment. Recieved them a few days later with an apology. Ive now been settled £685 in full.

Just recieved a letter from HBOS offering me a full settlement of £685 after sending an LBA. Very pleased, will donate as soon as my cheque arrives!

Cheers for that i will do and il keep it all posted! thanks.

hey everyone, i'm new to this whole outlook on taking on the big banks. I heard about this through a friend and was interested. I decided i would make a stand when i recieved a letter from Halifax plc this morning informing me that i would incurr a £38 fee and an unauthorised overdraft fee of £29 all for goin £4.67 overdrawn, which happened through them allowing me to purchase something online using my debit card!!?? Where is the jutice in them luring me into being overdrawn and then punishing so harshly i asked myself? So here i am and here it starts! I would imagine over the last 4 years i probably have been charged £500 in fees. Not a substantial amount but enough. Just wondering how to send them the £10 fee for providing data on my account, any ideas?? Please email me on [email protected] with any advise on this. Thank you and good luck people!