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I sent off my S.A.R - (Subject Access Request) on 18/12 and received a letter the next day from the branch advising that I'd omitted the cheque, and they were only charging £5.00. This was duly returned.

Today I have received a letter from Halifax returning the cheque and requesting £10.00.

Unfortunately I have mislaid the original letter. I think I should just stump up rather than split hairs for £5, but its the principle.

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Hi Cherminate.


They will sieze any opportunity to delay of intimidate you. This is why we stress that you must follow the procedures suggested on this site.

And send all mail recorded delivery.


Can you stick to one thread per claim, please? It makes it so much easier to offer advice if we have some continuity to your claim.


Regards, Rooster.

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  • 2 weeks later...

I have 2 accounts with the Halifax. I have now received all my statements from 1 and am compiling them in the spreadsheet. I am applying for the return of my charges with contractual interest. However I went over my arranged overdraft for a couple of months, would I calculate my interest at the 29.8% interesr for unarranged or 18.9% for arranged overdrafts.

Additionally on the last charge that has been applied 6 Jan the spreadsheet has not added interest ( is this because a calendar month has not passed?)

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