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Hi all, just to let you know I've got no reply yet, but I did send my letter off b4 easter - so I'll give them 'til Friday morning then I'll start the old court proceedings. Really excited about all this, will help me with a few bills. Off to look for the info to do my court poceedings against the "Big H" - he he he!

Mine was sent to me by Ruth Harrison

Hello all, Got my offer back from Halifax today, This is it:- Thank you for your recent letter, I tried to ring you to discuss your complaint but you weren'tavailable to take my call. If I may explain, I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an itemunpaid, we incur extra costs regardless of the shortfall involved. We believe it is fairto pass these costs on to the account affected, rather than absorb them intoother areas of our operations, penalising all our other customers as a result. We clearly outline our charging policy in the terms and conditions that apply to your account. In addition, we are commited to complying with the Banking Code, which sets standards of good banking practice for banks and building societies to follow when dealing with personal customers. Theterms and conditions of your account state that you must have funds in your account tocoveryour trasactions. We cannot be responsible if you have authorised payments against funds that were not available. We are keen to help youavoid any unnecessary charges by providing various ways to keep track of your account. You can do this via telephone banking on 08457 20 30 40, online banking (www,halifax.co.uk) or mini statements at cash machines. You can also contact one of our banking advisers at any of our branches. Ultimately it is your responsibility to manage your account. I am aware upon checking our records that we have recently reversed charges from your accounttotaling£67.00. However, as a gesture of goodwill I am prepared to refund a further £148.00 of charges in full and final settlement of your complaint. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return the enclosed acceptance form in the pre-paid envelope. This is the letter in its entirity except for a period of 8 weeks they have given me to reply. Also the errors in writing the letter are not mine - THEY SENT IT TO ME LIKE THIS! (standard letter or what?), I like the bit about "reversed charges". But they still want to offer me a "goodwill" payment of £148.00. As you all may have guessed I am refusing their "GENEROUS OFFER" and sending in the letter before action. On a final note - any further advise would be appreciated from those who have gone this far - TA!

sent my letter off on 29th March, got a reply today - it reads:- "Dear Mr Brakenberry Regarding the charges that you have incurred on your account, which you claim to be unfair penalty.. we're keen to deal with your concerns as quickly as possible. A Customer Relations Manager will investigate the points you have raised and you will recieve a reply shortly, but certainly no later than 4 weeks. You will find enclosed a copy of our leaflet, which tells you how we will handle yopur complaint. Your concerns will be dealt with as quickly as possible, but to help us deal more efficiently with your enquiry, please quote ********** when writing or telephoning the number at the top of this letter." I am pleased to get the process started - but will always worry that, with my luck, I will end up with nothing in the end!