I sent my letter claiming unfair charges to the Halifax and they replied saying that there charges are fair….. blar, blar, but they will pay me £90 as good will gesture!! However I calculate that I have been charged aprox £1,000 in last 6 years!! But now I am stuck!! What do I do?! I don’t want to accept the £90, but I am unsure of the next step!! Do I write to them saying I wont accept or do I start a claim? All help would be very much appreciated!! Thanks!!