thanks saxon i'm flollowing yoour case intently! i revieved my statements finally on the 27th of june, but only for one of the accounts and discovered after ringing a number of times that my other account had insufficiant funds to debit the five pounds! i found this quite humourous as the halifax are usually happy to charge me no matter what my balance! i also found the business centres number on this site and rang them, they were quite surprised i had obtained this number and immediatly debited my other account and have ordered the statements. so on the first account charges totaled £1121, i'm sending the next letter with a schedule of charged for this account today. as soon as i get the next lot of statements i'll be away with the second account, i am wondering however, if it gets as far as court, will it just be one claim i'm making does anyone know? ps please excuse my poor forum skills!!

just got off the phone (for the third time today) to halifax and i'm told my statements have been ordered, tho my accounts have not been debited as yet, apparently once theyre sent out on monday then the accounts will be debited. i'll ring back on monday and see if theyre true to their word. though i have to admit i have little faith in them after all this! thanks strude, panic button is on hold for now

sob story alert!! after spliting with my partner of ten years i was forced into recieving benefits, then to top things off, my son who was around two years at the time was becoming more and more "dificult" he was eventually diagnosed with autism. left with bills in my name i couldnt afford to pay back and having to care for my son who still isnt in school full time and goes into year one next year, i hav not been in a very good financial position to say the least! spiraling bank charges over the last couple of years has made things from bad to worse. after seeing this site i have now started to reclaim the charges incured on two accounts. after numerous phone calls requesting breakdowns of charges and lists of charges ive have sent the dpa letter on the 7th of july to my local branch recorded delivery. i was told early on this week that the statements would take around ten days to arrive now that i have given autherisation (again) to debit my accounts the £5 charge. i was just told this morning after chasing up on the phone that the business centre have no record of the dpa letter and only have a request by phone recorded, they also told me that due to great media attention about unfair charges they have a huge backlog statement requests and it could take upto six weeks for them to send me mine from the phone request i made. i can see this is going to be a bit of a tussel between myself and them! any advice greatly appreciated! i'm a little anxcious now:rolleyes:

after numerous request by telephone to the halifax for lists of charges and having been ignored, i have now sent the dpa letter to my local branch recorded delivery on the 7th of july, and i'm already experiencing problems! so thanks for the support so far and that which is yet to come! i'll start a thread in the halifax section. wish me luck!