Got a letter from ft today saying the usual rubbish...these charges are not penalty/default charges blah blah blah. had asked for - quarterly tranaction charges incurred even if i was over for 1 day and a small amount - mortgage redemption quote charges - referral charges - mortgage sealing fee (£179.04 in april 2005, mortgage held for only 2-3 years - late payment fee on credit card. they have said they do not feel they have a case to answer but are willing to offer me 50% i.e £47 of the fees they are willing to consider (referral charges & late payment fee). my request was for about £400 !!!! dont think i should take this measly offer. any advice/suggestions anyone? thanks

hi i got all my statements and have added up charges - comes to about £400. I have included anything that says "Fees dec '04-Feb '05" (for example) i presume these were the fees accumultaed for a quarter for going overdrawn and are claimable??? (this was a normal current account) Also i take it my £8 monthly fee for packaged account that i eventually changed to is not claimable? thanks

thanks hillards & doinmaheadin - i've sent it off now but i put a note on it that i accepted "without prejudice and also on the assumption/proviso that this charge will not be taken. i trust this meets with your approval" fingers crossed, but to be honest i am happy anyhow with the speed i have been dealt with so..... i would have had to pay to file in court and it would have probably cost me more than £28 to file, plus the wait and botheration.... so i think i've done ok even if they do take it!!

well it was 155 with interest but 28 of the 155 charges arent coming out til end of dec.so i guess thats where they're getting the 127 from. so i am prob going to accept without prejudice their offer and also on the assumption/proviso that the 28 will not be taken...dont know if that will work, but i am pretty chuffed to have been offered this so soon. just waiting on statements from other halifax account and first trust so...............great news all round

i reclaimed £155 from Halifax on 19th November and got offered £127 this morning. Now, my question is ...of the £155 i claimed, £28 of this is not due to be taken until the end of december, so would one presume that the £127 is the £155 less the £27?i am happy enough to accept their offer, but should i say i am accepting it based on the assumption that the £28 charge will not come out at end of december? or do u think this will come out anyway??what do you think?thanks

Hi i sent a request to first trust asking for list of charges for past 6 years and got response on 6th dec. saying i will receive the statements/list of charges within next 40 days. my account with them is closed, but i am interested to see how much i paid them. i presume the same rules apply here and will move on to the next stage once i have received above?? Also have a refund claim (or possibly 2 (1 on another account)) in against halifax. not a lot of info around on NI experiences, so hopefully we can all help each other out will keep you posted.

thanks - all posted off now, so just wait and see.

HI Gill, I'm in NI too and am about to post off some letters today: 1st letter requesting refund of fees £157.03 with interest. 2 letters to halifax (i have another older acc with them) and First Trust asking for breakdown of my charges. Sending it to Trinity Road address. Nervous, but seeing you (being in NI) have claimed, i'm going to go for it!! good luck and i may be contacting you in nfuture for help/advice?? thanks edtheduck