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Hi folks!

Got my statements from the Halifax; sent off my prelim letter with a summary of charges amounting to £836 requesting payment. Received a letter from the Halifax yesterday offering a 'goodwill gesture' of £266. The form was enclosed for me to sign, accepting same in 'full and final settlement'. They also make one or two other points. They state that the OFT's recent ruling relates to credit cards rather than bank account charges; that the offer relates to the 'heaviest six month period of charges'; that future charges will stand and that they reserve the right to close my account. Interestingly they also refer to my request for a breakdown of their costs for dealing with my transactions but go on to state that they are not obliged under the Data Protection Act to supply this information as it is commercially sensitive. In line with advice elsewhere on this site, I intend to accept this offer but only on condition that it is in part payment towards the final amount. In relation to future charges, if the charges are disproportionate in relation to their costs now, why will future charges stand if they are still disproportionate? Presumably, if the Halifax could justify their costs for my transactions, they would not be hiding behind the mask of the Data Protection Act. But, the first cracks have appeared and I intend continuing with my LBA for the whole amount.

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Yep - you've found out their secret!

Good Luck and Go Get 'Em Bill:D


30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed


20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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Quite agree - Go get them!


[sIGPIC][/sIGPIC]"Another charge by the Bank?"


1st Claim (Current account)

30/11/06 WON! £3146.41


2nd Claim (Mortgage charges)

27/3/07 WON! - £277


3rd Claim (Credit card charges)

14/5/07 WON! £300


4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga



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