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PiggyBankBreaker vs. Halifax Visa - HELP!!!!!

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Hello All,


I have completed steps 1 (asking for the statements Data Protection Act etc), and 2 (asking for it back) with Halifax Visa.


I have had letters back from them saying 'huh? you want it back? errr. no, we're not listening, laalaa laaaah' and something has tweaked in my brain and now I'm all a panic...


The correspondance I have been receiving from Halifax has been from Pittreavie, Scotland. Now, I understand Halifax to be an English Building Society, but I opened my account in Scotland (though for the last 4 years have been living in London, where the majoeity of the charges were incurred). It is my understanding that Scotland is not included on this OFT / Bank Charges, etc etc...


So are they just laughing at my pathetic attempts (they cashed my £10 S.A.R. [Data Protection Act] cheque) to sound like I know what I am talking about, knowing fine well that they are happily shrouded behind Scottish Law and I will never see a penny?


Also, when I inevitably sile my MCOL, what address am I supposed to put under defendents??? The address I beleived myself to have to respond to in the past (as that's from where they were communicating), or the registered HALIFAX office, in (derrr) Halifax, England???




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HI in scotland we too can claim back bank charges although the difference is we can claim up to £750 maximum in small claims, as you are in england then send to (derrr) yes halifax, lol. Think if you send the LBA you will get a goodwill gesture as a final settlement offer, good luck.

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