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Hi Everybody !!

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Thank you

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You seem like a great bunch ! :)


Just to intorduce myself I'm an extremely dissapointed customer of Halifax at the moment...to cut a long story short my partner has been off work for over 2 years and is now registered disabled, I asked for 3 months overdraft flexibility to get over Christmas (we are down to one income) but they declined (some 2 weeks later)...I only needed a couple of months lee

way as my employers owed me backpay and promised to pay in March. :evil:


As a consequence I am now £950 overdrawn (£350 over my limit) £300 of which is bank charges !:eek:


Anyway my new years resolution is to not be stepped on anymore !!

ITS ON....

sent my letter asking for 6 years statements and am drawing up the spreadsheet....anyway, I a bit of advice :


Do I need to send copies of the statements with the letter ?:???:

Where Should I send it ? :?


Many thanks in advance and a happy new year to all.

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You need to identify the charges levied against you and compile them on the spreadsheet. Send a copy of the spreadsheet with your letter.


The following link provide bank addresses:



Good luck.

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Thanx Benny....I'll post to Halifax tomorrow and let you know the results :)

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Hi Cus2007


Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back


Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.


There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.


Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!


All the info to get you started is here:


There are more links below to assist you get around the site.


Good luck



Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


Remember: The Ark was built by amateurs-The Titanic by professionals.


Please click my scales if you find my advice helpful !


If your claim is successful, please donate 5% so that it can continue to help others.


Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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