Hi All, Some time ago we wrote to the Halifax in relation to PPI claim on the old credit card, after waiting and waiting they jave now confirmed in writing yep tehy refuse to comply stating lots of rules. I have scaned and attached the letter sent from the Halifax can anyone please help as it looks like the letter is standard refuse letter. Can anyone take a look at the letters, and what should we do now cheers

LBA letter has not done the trick for £1000 in charges and interest. Is there a guide to court application?. I recall using moneyclaim online for bank charges back in the day but get the feeling this has changed. Thanks

Has anyone had problems with Halifax losing claims. I have just phoned to make sure that claims sent recorded delivery and signed for on 29th October are being dealt with and have been told they haven't got them . There were 4 seperate claims in the same envelope plus a letter of authority . The person at the other end couldn't put me through to anybody as they were in the Phillipines. So now have to resend and wait anothet 8 weeks

Hi just wanting to know if anyone can help me.just lost my job and i owe £2800 on a overdraft with the halifax bank and £2000 on a catalogue.but since iam unemployed a can no longer afford to pay these bills what can i do ? My head is all over at the moment. Please help me . . .

Hello, can anyone who had one of these Halifax Liquid Gold Accounts in 1998 or at least knows anything about those 1998 terms and conditions help. I believe, in 1998, that joint Halifax Liquid Gold account holders had to all attend the bank and sign a counter mandate, in the presence of the Bank Clerk, to make a withdrawal but unfortunately no longer have written proof of this. Having read on this forum that at least two other people had problems with getting their money out of one of these accounts in 1998 (posted in 2006) because of this very same condition, I decided to post this thread. The Halifax, unhelpfully, have advised me they no longer have copies of their 1998 Terms and Conditions and therefore cannot provied me with any information on this matter. I desparately need to locate these old Halifax Liquid Gold Joint Account Terms and Conditions in order to defend a Court Action being brought against me and hope someone reading this may be able to help. I am very new to communicating via Forums but many thanks to all you people out there and to the CAG.

Hi everyone, Over the course of the last six weeks I have sent 3 letters to Aqua customer services (which is in Halifax). All letters by recorded delivery. Non of the letters have been delivered, the Royal Mail website says they are all being proceesed through their system for delivery. I can understand if they lost one letter, but three?, or am I being paranoid? Any suggestions on my next move?

We took out our first mortgage with the Halifax 10 years ago when we bought the house. I remember the whole thing being done in about 3 minutes all verbally and with a 'congratulations, your mortgage is in place'! The young lady also advised us to take out mortgage protection which we could apply as a percentage on me and/or my husband. We did 50/50 - if one of us couldn't work, 50% of the mortgage would be covered if that makes sense. Anyway, the whole thing was a load of rubbish because when I was signed off sick with stress by my GP, at the 11th hour, Halifax asked for my consultant letter - no consultant sees a patient who is signed off sick through stress so I didn't get a penny. I was really cheesed off because there was clearly no point in having this policy. We moved mortgages shortly after that. At the time I remember thinking that it was a waste having this 50% on my husband because he was self-employed and I remember reading/hearing that he wouldn't be covered anyway. Am I being thick? This is a type of PPI isn't it?? If so, and if it were mis-sold, how do I go about getting the info from the Halifax? I don't think we have any paperwork relating to it now. I have searched through the letter templates, I think I saw one somewhere but I can't find it now!! Thank you :0)

My family have been put through HELL due to the actions of AVIVA INSURANCE, [see below], so I recently contacted my bank HALIFAX to beg them to refund the last 5 years of bank charges based on their moral obligation to offer a duty of care and help a long standing customer and his family, who have been seriously financially disadvantaged due to the actions of AVIVA INSURANCE over the same period of time. I contacted my branch manager, who knew our full history and who was fully aware of our long standing predicament and was sympathetic, but she explained it was out of her hands. Halifax head office confirmed on Friday 14th December 2012 that they would not refund any bank charges because they were legal and part of the T. & C.'s of our account. They explained they were sympathetic to our situation but the answer was no! I explained that our long standing stuation is extraordinary and my family continue to suffer, but based on my belief that our 5 year fight against AVIVA INSURANCE will soon receive the full glare of media attention, [our story and my film 'SHAFTED BY AVIVA INSURANCE!' is being considered by a number of UK newspaper and tv media outlets], I suggested that it would benefit The Halifax greatly to refund these charges, thereby supporting a family who have been 'SHAFTED BY AVIVA INSURANCE!' They reiterated their decision...NO! 'shafted by aviva insurance!' youtu.be/KWn8G9L21z8 'SHAFTED BY AVIVA INSURANCE!' [You Tube] One man fights to protect his family and his home against AVIVA INSURANCE! After 5 long years of fighting AVIVA INSURANCE and with Christmas 2012 almost upon us, our home remains in a ruined state, my family continue to suffer and AVIVA INSURANCE continue to callously ignore our long term water damage building insurance claim, repeatedly proven by numerous independent expert reports! Please watch the film and spread the word!

What a long and regretful story this is. In April 2006 I paid £4200 viaphone to Halifax to settle 2 credit cards, the money left my account and I thought no more of it as had been confirmed via my statement. a couple of months later I received letters from a debt collection company wanting money for one of the credit cards and then a week or so later I received another letter concerning money for the other card. In both instances I contacted them and informed them that this money had been paid in full, t oo which they informed me they'd investigate. I heard nothing more for a few months and then it started again, I again contacted them to inform the same that these two cards had been settled. I then contacted my then bank manager who confirmed in writing the transaction had been completed without issue and advised me to contact my banks merchant services. This I did, took a couple of weeks but received a detailed report on the transaction, with a reference. I forwarded the original (Kept a copy) to the debt collection company CL Finance in late2006 via recorded delivery and heard nothing more for a few more months, then another debt collection company became involved Howard Cohen & Co in thes ummer of 2007 too which I explained and referred them back to CL Finance. Long and short, this continued throughout 2007 and me writing to they with copy evidence of the transaction. I called up Halifax credit cards as it was becoming clear that whilst CLFinance or their agents had copy evidence of the payment it was no getting through to Halifax, as said I called them with the 2 credit card account numbers. I was politely informed on the phone that these 2 accounts had been closed and there was no debt on them. Phew, finally I thought! But no, I was informed that the debts had been sold on and I needed to speak to the collection company's. This I had at length, so many times to no avail,seemingly appearing that Halifax was bouncing back any enquiry the debt collection was making. Continued into 2008, then I received court notification via central clearing and eventually 2 CCJ's were issued against me, there was no opportunity there from what I saw to make a court appearance and provide the proof I had on me, a few months later in 2009 I started to receive bailiff visits. I called the bailiff and told him what had gone on, he immediately suspended visits and instructed me to proceed to court and take action in the small claims against CL Finance. A few months later on the appointed hearing day in June 2010 their solicitor spoke to me regarding my case, I explained all that proof of payment had been sent at least twice to CL Finance and Howard Cohen & Co and had got nowhere. A rather fraught solicitor came back from making a telephone call to his client and in court it was revealed that CL Finance had no knowledge of mycommunications to them and the result the judge ruled in my favour with a further hearing date pending. A date was forwarded for that hearing a couple of months later and at the final hour the court wrote confirming that CLFinance/Halifax had dropped the case and would not be attending. Finally in October 2010 I received a letter from CL Finance/Howard Cohen confirming the money had been found as was to be assigned to my accounts to close and all action had stopped. Through one thing and another I wasn't able to communicate with Howard Cohen & Co until October of last year (Had been seriouslyill and moved house) to confirm that everything had been closed and the 2 CCJ'shad been removed? They informed me that this action would be undertaken ,however it wasn't. I undertook a credit search on myself earlier this year and discovered they were still in place. I again wrote to them earlier this year requesting an explanation and that they are removed as having caused a greatd eal of trauma, inconvenience and hassle, plus helping to destroy my creditrating for 6.5 years now. They've come back and said again that they would now be removed and they had written to the courts that day. However, needless to say I'm disgusted by these events. Halifax appeared tohave placed this money in some sort of suspense account and frankly closed the book even when proof from my bank's merchant services showed clearly the payment and the transaction reference. So I'd be obliged if someone would be kind enough to offer some considered advice to me as firstly I want a formal apology from Halifax to start with. Many thanks in advance.

Hi i took out a loan in 2002 for £12500 with an additional insurance. I got into debt somewhere along the line and ended up making a nominal payment in full and final settlement. Would I still be able to claim for the misold insurance or would it be offset against monies that were not paid.

The Halifax are refusing this PPI claim on the basis that the customer said he shouldnt have taken it out as there was no reson for it and that he had paid a lot of money for it without no need. He has replied to Halifax and said that originally the PPI was never explained to him so he didnt know what he was taking out and therefore believes it to be missold. They are still not budging. Should he just give up?

I hope this is the correct place for my query, however I couldn't find a specific Credit Card section so did a search on "Aqua" which led to existing posts here ... ************* I am amazed by the brainless incompetence of Aqua. I am unable to keep up my credit card payments, and in October notified Aqua accordingly and asked for the appropriate claim form in order to activate my PPI. In the absence of a response I have written repeating that notification and the request, but still have not had claim paperwork. In that time my account has missed two payments so is further in arrear now, which could have been avoided had I been able to claim when originally intended. I have also received chase letters, to all of which I have responded pointing out that I have been trying to take proper steps for weeks and been prevented from doing so by their apparent inefficiency. At different points in this time I have been written-to by Matthew Ball, Senior Collections Manager, by K Stafford, Head of Collections and Recoveries, and by Charlotte Gurnell, Senior Operations Manager, referencing my overdue account. I have written immediately to each pointing out that I have been endeavouring to be able to invoke my PPI to stabilise matters, and that I was still waiting for Aqua to make any move whatsoever. Each time I requested their personal intervention to move things along. The only response I have had is standard letter offering to make a repayment arrangement. Laughably, that letter also stated that I might not realise that I have PPI on the account so I might want to consider making a claim! Last evening I wrote letters following-up my personal letters to messrs Ball, Stafford and Gurnell, pointing out that in five weeks I still had not had the claim forms, nor even the courtesy of an acknowledgement of any past correspondence including my replies to them. I requested immediate action before their collection processes geared-up a level because nobody was taking steps to stabilise matters. These letters were posted first thing this morning by recorded delivery, something I have had to do for a while since being told that "we have no record of receiving them so the Post Office must be to blame not us" And now, a couple of hours later, I have received a letter advising that an Aqua "representative" is visiting on Monday! No doubt he/she is calling to obtain either payment of the arrear or to go through the motions of setting up a payment plan, entirely unaware of all of the above because nobody has ever done a single thing in response to my initial perfectly reasonable and proper steps when becoming unable to continue. I have very limited time to take steps now because of being right up against the weekend and the visit is booked for Monday ... But I am not at all confident that any step I might take would actually get further than yet another brick wall anyway! ... were I to follow-up today with contacting any of those senior people again to have them cancel the visit and get my PPI claim rolling at last, I have very little expectation that anything would actually be done or get down the chain of command to where it would be needed in time for Monday anyway. So firstly I want to know how I can have them cancel their visit?! It is actually no problem just to be out all day, however that isn't really sensible plus wouldn't achieve any progress where it matters and would presumably only result in repeated visits at varying hours until successful anyway. And of course I want to get my PPI going still! I need a claim form etc from Aqua but despite now a total of eight letters to four different people across five weeks, mostly by recorded delivery - only one of which has had any reply at all - they have not yet provided anything enabling things to move along. At a push I could actually get enough together to pay the outstanding arrear if that would cancel the visit and allow a few weeks til the next payment falls due for the PPI arrangements to hopefully get taken care of. However, firstly I'd rather not, and secondly I shouldn't have to anyway because if they had responded when I first asked, PPI would have kicked-in and the arrears wouldn't have arisen! But if it is the lesser of two evils I would be willing to do it. So please can anyone advise with regard to halting the visit on Monday with only the rest of this afternoon plus tomorrow to act? Also, does anyone know of a route in to someone in authority at Aqua who can actually be contacted and has the ability to get off their bum and call off the dogs and also get the claim form sent to me? A simple step I had assumed five weeks ago! Howard

Hi good morning all. Please could i ask for your assistance and advice regarding a rejected PPI claim my father made with the Halifax. Initially a letter was sent to them and we received the standard reply including the following reasons, consent to cover, consent was given in the form of a cross and they are persuaded this required a verbal explanation to ensure we were aware of what was being purchased. therfore its concluded we knowingly consented to the addition of a PPI policy. in light of their findings they believe their advisor acted fairly & reasonably throughout the sale. they believe the policy information provided at the time of sale was a fair presentation of the features of the policy and explained policy exclusions and the cost of the insurance. they are also of the opinion that it was clear, fair and not misleading therfore allowing us to make a fully informed choice. their review of the claim hs not highlighted any failings with the sale that would lead me to believe your decision to purchase ppi would have changed. to this letter we sent a reply with the following points: i believe you must not reject the claim based on the fact i signmed documentation i believe you must not reply soley on the detail within the policy's terms and conditions i believe you you should not give more weight to general evidence of selling practices at that time, please reconsider your decision and reimburse me accordingly. to which we received the following reply: on considering your letter i do not beliueve it introduces anything that changes the original decision therfore i am unable to agree the PPI policy was miss sold. and basically tells us to go to the ombudsman. We then requested a DSAR , paying £10 which was recieved last week, now i see a copy of the agreement signed with both boxes for 1- credit card repayment insurance 2- halifax card protection Can anyone please advise what my next step should be? Many thanks

Hi to everyone, i hope i have posted in the correct area ! I had a halifax credit card which i have defaulted on , due to being off work for 6 months and 2 operations, we have been surviving on SSP and tax credits . I sent them a letter explaining my situation with an expenditure form and an offer of £10 a month till things get better . It was sent recorded delivery and was delivered okay ( i still have proof ) i recieved no reply . I have been paying £10 every month but it was given to Blair Oliver and Scott ,their in house dept , although i have now recieved 2 letters from a firm named Wescot and a letter from BLAIR stating that the debt has now been TRANSFERED ! to Wescot . Can anyone put my mind at rest , i get daily phone calls , mobile/landline which i ignore but its making me a nervous wreck !!!!! Has this debt been passed to Wescot because there is no original paperwork ? Is it a fair bet that this debt wont be enforcable in a court of law ? Are they just trying to collect the debt and have bought it from the Halifax ? If any one can give me some sound advice i would be grateful. TIM

In Spetember 2012 the Halifax agreed to £1.00 a month payment for 6 months on my £6120 outstanding credit card balance, to be reviewed in March 2013. I have the letter from them that states this. I set up the £1.00 a month before they agreed and it has been going out monthly ever since. Last week I received a letter from the Halifax to say they had passed my account onto Wescot for collection. I then received a letter from Wescot to say they were now collecting the debt. I've tried to find out why my debt has been passed on to them as I have not broken the agreement. Blair Oliver said I should speak to Wescot to arrange payment. I asked to speak to Halifax, Blair Oliver said my account was no longer to do with Halifax. So I rang the Halifax anyway which was only possible by not putting in my account number on the automated system on the phone as if I did I was directed straight to Blair Oliver. Halifax said I should speak to Blair Oliver and Scott. I'm going round in circles and back to Wescot. I know Wescot are only collecting the debt, the debt hasn't been sold to them. But I was wondering if this was standard practice, or should Wescot not be involved yet? Should I write to the Halifax? Any advice greatly received!

Hi all, I would be grateful if you could read though the 2 letters and give me some advice. Am trying to claim my PPI back from Halifax and have had a rejection letter to which I replied with the response and SAR request letter below. Dear Sir/Madam This is a response to your letter dated 18th October which contained a reply to my complaint about PPI policies sold by Halifax bank. Please note I am unhappy with the decision and am requesting a SAR – Subject Access Request. I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation: Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same. A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation. Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations. Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account. Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendix of the documents included and reference to the purpose or meaning to those documents. I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection. I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein. I enclose a payment in the sum of £10 to cover your fee. You have 40 days to comply with this request. IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION. I look forward to hearing from you in the first instance of receipt. Your Faithfully. X I had a letter back from Halifax responding the above which is below Dear Miss X Further to your letter dated 29 October 2012 in which you rejected our decision not to uphold your Payment Protection Insurance (PPI) policy complaint, I have reconsidered your complaint in light of further information provided. When you replied to us you stated the following: · You were unhappy with our decision . · You wish to have a Subject Access Request. On considering this information I do not believe it introduces anything that changes the original decision and I am still unable to agree that the policy was mis-sold. Having completed all these steps, I went on to look at your compliant as a whole to ensure that we acted fairly towards you in relation to the sale of your PPI policy, giving appropriate weight and balanced consideration to all available evidence including any further information supplied by you. Although your new information adds some useful further background I am still unable to agree that the policy was mis-sold. As such, I am still unable to agree that your complaint should be upheld. If you should wish to contact me directly my details are at the top of this letter. If I do not hear from you I will close your complaint and consider it resolved. When we issued our original decision we advised you of your right to refer your concerns to the Financial Ombudsman Service (FOS), and that you has six months from the date of that letter in which to do so. You are still within this timescale so you are within your rights to refer the complaint to the FOS. I have enclosed a leaflet which gives details of how you can get in touch with them. Yours sincerely Halifax Am just after some advice really, are Banks lawfully required to respond to a SAR request ? I really want all the SAR information so I can read though and look at the complaint myself. There is no mention of my £10 payment for the SAR that I enclosed. Kind regards Damien

I have an agreement sent up with Halifax for my credit card. I wrote to them sent it recorded delivery (with a copy of my ESA agreement) they then contacted me. The lady took all my details, plus my monthly income and outgoings. I pay £10 a month for to be reviewed in 6 months time, the agreement was set up 2 months ago over the phone (I have all the details). Today I received a letter telling me to pay the outstanding balance or else they will take me to court. In big letter letters they have also asked me to ring them. I have not broken that agreement, can they do this - and do I have to pay. I cannot pay, but what I mean is can they take me to court.

I obtained an interim third party debt order and the third party is Halifax bank. Halifax bank has written to the court asking the third party debt order to be amended to Bank of Scotland because it says that Halifax bank is not the right legal entity. The third party debt order has been made final but it is stated in the order of the court that the third party debt order should be amended to Bank of Scotland. I would like to know if this is right because I used a copy of a bank statement of the debtort hat I have to make my application for a third party debtor order and in it it is made reference to Halifax and to one of its branch but not to Bank of Scotland. Moreover I would like to know how to do to amend the third party debt order to Bank of Scotland. I would like to know if I have to complete another N349 form. Moreover I do not know which address of Bank of Scotland and which branch to put in it.

Hi all, I'm posting this for a mate.His Debit Card was either lost or stolen a couple of weeks ago. The loss was reported to Halifax within 12 hours after making sure the card hadn't actually been left at home.Halifax then agreed to send out a new card.One week later, no replacement card had arrived, and after contacting Halifax, he was told that his account has been frozen as some some purchases were made in the area in which the card was reported as last seen. (East London is a pretty big area)They sent out Statements for my mate to verify transactions against (which still have not arrived over a week later), and he is now starting to suffer financially as a result of not being able to access his funds for over 2 weeks now. (His account is comfortably in credit)The Phone Drones on their UnHelpDesk are unsympathetic and really unhelpful.Advice please!!

Hi all Still trying in vain to sort out my financial mess - now made redundant Bank of Scotland (£7378) Halifax (£5476) Wrote to all lenders - (had never missed a payment until my circumstances changed) I received some inheritance, wrote to all lenders enclosing inheritance letter as proof of lump sum received. Offered all lenders the full amount of my inheritance split by % to each lender and only 1 accepted (creation bank) Halifax have ceased collection activity advising me to contact them when my situation changes Bank of Scotland sending me lots of nasty letters and now a default. But in response to my letter asking to full and final settlement bank of scotland sent the attached (obviously an admin error as they say balance is £0.00 and must be paid in full.) could i use this as a tool to negotiate or would this be accepted by a court as an admin error on their part ie making me liable to pay all debt. Fingers crossed I manage to secure employment soon, stressing out with all this debt hanging on me [ATTACH]39287[/ATTACH]

Hi All, I'm new and just wanted to ask a bit of advice please? I had a Halifax Credit Card upto 2006 when I got into arrears to the tune of £5400. At the time I was in quite a mess as my father died and it was all quite a horrid situation and took me a long time to get myself back on my feet. Anyway, I got in touch with the debt collection side for the credit acrds and was told that my outstanding balance was £5400 and I agreed a re-payment plan of £70 per month which I have managed to stick to. All these years I have paid it back thinking - 2012 will be the year I am free. Only it seems not. I called Blair Scott Oliver today to ask for a statement as I have never received one from them - they say they have had post returned from my address which I don't think is true as I have never had problems with post at this address. They then gave me the shock of my life by saying I still owed over £1000 and that my outstanding balance had actuall been something like £6200 (I don't remember the exact figure as I was in shock). They then said they wanted me to pay £80 per month. I refused as a). I don't believe I owe that much at all and b). I simply couldn't afford even if I did. I pointed out the amount I was told I owed at the time of agreeing a repayment and also that that same figure was in black and white as my credit limit when I checked on the internet banking. I said I wanted a statement and letters from the time and they told me the bank doesn't hold info going back that far and they might have to write me a letter about the figures. I said this wasn't acceptable as anyone can make up figures in a letter and I wanted proof as to how the £5400 I had been told at the time shot up over another £1000 for no apparent reason They have apparently sent a request to the bank for some explaination but didn't seem too hopeful that I would get one. I am truly gutted. I have taken a screen shot of my internet banking page which clearly shows the credit limit on the card. They also said the person I spoke to at the time wouldn't have upto date information? How could it be out of date by over £1000 when I was not even using the card at the time and hadn't for quite some time. I also no longer have my paperwork as it was lost when moving 4 years ago. I don't know what else to say......I am devastated. I was so happy this morning thinking it was nearly all gone and now this. If anyone has any advice or been in a similar situation I would be very grateful. Thank you

I have sent a letter to Halifax credit card along with a budget plan telling them I can no longer pay the £150 per month and I have offered them £20 per month, they have sent a letter back asking me to phone them to discuss my budget, they say that they are going to continue to take £150 per month and not stop the interest. In their letter they were trying to suggest I could budget better but I really can't, we have -£490 per month as we rely on my wifes income what that doesn't cover the overdraft does but I am nearing the limit on my overdraft. We have no luxuries and I mean none we buy food and thats it. My question is should I phone them and discuss over the phone if not what should my next move be?

Hi I took a loan of £5000 with Halifax 11 years ago(2001). I payed if off on the 24/2/2003. I have found the Personal Loan Agreement paper work and realized that my premium included a all lot of charges that i don' t know what they are. There is a charge for credit for cash loan There is a insurance loan And there is a charge for credit for insurance loan Bring the total charges for credit for total loan to £ 1995.13 Can somebody help me to make sense of it and see if i can claim anything back.? Thank you

Hi I am looking into reclaiming my charges from a Halifax mortgage I had around 6 years ago. I have just received my SAR so only just become aware of them. I have been charged £35 late payment fees £40 broken promise fees £100 for representative vists (dont remember any of these) I take it I can claim all of the above? Also there are numerous fees just listed as 'sundry' does anybody know what these are? Can I claim admin fees? Regards

sorry for the language but its been THAT sort of day right halifax account, overdraft limit 1350, weve managed to keep it at around 1200ish so only been getting the £1/day charge its a joint account wife got a letter this morning saying the account was at £1352.50 so now getting £5/day charges, looking online it was their overdraft fees pushed it over the limit - weve now got it under the limit wondered why the letter was only addressed to my wife assumed mine was in the post this afternoon got a VERY VERY angry call off my parents - the halifax sent MY letter to my PARENTS address - an address that has NEVER been on this account, hasnt been on any other account for over 7 years this letter gave account number, names, sort code, overdraft limit, current levels EVERYTHING main question is what rights do i have for what is an obvious breach of data protection - i had given my parents the right to open my mail as they were dealing with a diffent issue however i have NEVER given permision to send details of this account to this address and im therefore VERY P****D off as far as the halifax is aware i havent lived at this address for over 7 years whats the best way to tackle it? who do i write to? is their any compensation (im not trying to golddig here but some help on the overdraft would be nice) and most importantly what do i write