Halifax have again responded in double quick time. Letter attached. I do feel a court case coming on, what would be my chances on the basis of their last two letters? Halifax letter received 22.6.10.doc

Well, I've now sent my cheeky letter, I'm sure there will be a few expletives when they realise what the content of their letter meant. Extract from my letter. "There is still, however, the question of the outstanding charges on the account which still require reimbursement. (copy of these charges attached for your convenience). In view of the fact that I accepted your offer outlined in your letter of 10th June 2010, ie "you would remove all charges on the account" then this should, in fact, apply to those charges I have already paid. In order to avoid further costs your cheque in the sum of £... in settlement is requested by no later than Wednesday, 30th June 2010. ys.

I've got a feeling that my last email sent to the CE was the one that had the bearing as it seems funny that despite all my other letters and two FOS complaints, hey have stuck to their guns. I think the crucial words were, I think! "I'm in the course of preparing a full list of costs that the Halifax have incurred as a result of my ongoing complaints. Once this has been completed it will be sent to the new Government given their manifesto". I also mentioned the amount of taxpayers money that had been wasted and their inability to negotiate a compromise.

Confirmation letter arrived account clear and closed. Round 2 coming up. Will keep you posted.

I'll think I'll leave sleeping dogs lie, not sure I want to phone them now that they've cleared my account.

Well true to their word Halifax have withdrawn their charges and I now have a zero balance. I've not had a letter from them yet but I've checked online and all charges since Jan have been removed but it appears the account is still open as they have left the overdraft still available. Will wait for their letter before I do anything else. In the meantime, however, I received a phone call on Monday from them, but was out, and a letter yesterday from their Head of Risk Operations. They want to discuss the points raised in my letter. This was the one I sent after the termination letter I received from them. Now what would they want?

I would also put that in writing to the Complaints Dept being spoken to that way. I really do think you should be going to the Police, I'm afraid I would have been there days ago, I wouldn't be waiting around to see what they come up with. Did you report this matter to Gum Tree by the way?

The Ombudsman won't accept a complaint until the Halifax have had time to look and at the complaint and you get a letter saying their final response. At that time if you are not happy with the answer you can lodge an official complaint.

They seem to have found you guilty without investigation in view of the lengths they are going to. I would also do a letter in writing to their complaints department and mark it OFFICIAL COMPLAINT.

Just scoll down the forums and there is one for Employment Problems.

If you don't know what you're signing then DON'T SIGN IT. I think you are very unwise not to go to the police for whatever reason. You need to be asking more pertinent questions to both FCU and Halifax. It does sound as if you are being investigated as probably the company that the cheque you banked are already under investigation and they may think that you are involved with this. Good luck with this.

I would go to the Police and take the advert together the paperwork and get a crime number then go back to the Halifax with it. Make it clear to the Halifax that whatever is going on you have a right to know and you want access to your own money. Its difficult to say what you've been caught up in but you obviously need to take some action quickly.

I've just spoken with my daughter and she is giving me a cheque the weekend so I will send it off on Monday. It just so happens that because Halifax wouldn't accept my repayment offer I have put the money on one side and I do have it to pay back, so they have messed up big time with me. I must have frustrated them that much with my letters and complaints to the FOS that they typed without thinking.

What I shall do is send a cheque and say that the amount of £xxx charged to the account from xxx to the current date are now waived as per your letter of 10th June 10. Please acknowledge confirmation that the account is clear and closed.

On my wavelength. The default notice was issued on 26th May prior to them adding a further £125.00 on 31st May. The default notice gave me until 23rd June, but their termination letter is dated 7th June. The interest charges on the account are what they've added since Jan 10. What about the charges I've already paid, any hope of getting these back on the basis of this letter?

The Halifax have responded in double quick time to my letter of 9th June 10, however, before responding as I want to make sure I am clear of my facts, the termination letter and their response are attached. I will let you read them first and hopefully I will get some feedback. Halifax letter 10.6.10 GAG.doc Halifax Termination GAG.doc

Thank you. However, because Halifax wouldn't close the account I am presuming that it does mean that they cannot charge anything else to the account from 7th June?

Don't worry, if the Halifax were in the right you would have been taken to court by now and the fact that they are being passed around is a sure sign that they cannot do anything. They may threaten all sorts of things but in reality if they could have done something they would have. If you have a display telephone put all the DCA numbers in so you can see when they ring you and just ignore them. Alternatively, if they ask is that Mrs so and so say, hold on I'll get her and leave them hanging on. It is important that you keep paying your priority debts and sod the rest of them. As previously stated if they did take you to court the judge would only make you pay what you can afford realistically, even if its a £1 a month, you would not loose your house on these debts. You could always visit the CAB if you require further assurances as there is nothing worse that stress to make you ill and I am sure if you had your mind but at ease then you would sleep better. Worry no more and have a good nights sleep.

When you say its unsecured,in the region of what amount are you talking about? Also, for them to take you to court they would need signed agreements, do they have these? I think you would have to owe them around 10K before they could do this. Please stop worrying.

Is your mortgage with the Halifax as well?

Halifax issued a default notice giving me until 23rd June, however, I have had a letter today terminating my agreement as I have breached the terms and conditions of the agreement. The matter is now being passed to a DCA. Thank you very kindly I say. I'm just awaiting the outcome of the Scottish case on Friday as I believe I have strong grounds under S140 as they told me outright lies in December 2008 when they told me they were phasing out Electron cards and that I needed to make an appointment to see an adviser which I did in Jan 2009, changed my card to a Visa and have had nothing but problems since. Had no problems with the old Electron card. They are apparently still offering the Electron card and I've seen people using them in the bank and shops. Thats only one issue I have with them. Two complaints with FOS awaiting the outcome of the Ombudsman.

Just thought I would say that Halifax have done exactly the same to me gave me until 23rd June to remedy the default but have terminated my agreement today. I am personally highly delighted as I am one of them fighting their high £5 overdraft charges and I have been asking them to take me to court. I've been trying to close my account for months but they told me they couldn't close the account whilst there was money owing. Well by terminating the contract they have just done that for me so I have wrote and thanked them. Didn't want to highlight the fact that they have jumped the gun as it suits me better this way. If I were in your position I would write back to RW and tell them to contact the Halifax tell them as they are now supposed to be dealing with the matter on behalf of the Halifax and its up to them to obtain the correct information before contacting you. Good luck with this, I have had problems now since May 09 and the Halifax and it doesn't look as if its over yet. However, I am not in the slightest worried as far as I'm concerned if they take me to court so be it, the Judge will only make you pay what you can reasonably afford, the worse case scenario. They can't put you up against a wall and shoot you, can they? Please stop worrying, easy to say, easy to do if you look at it realistically.

Congratulations to both of you for seeing this through to the end and with such a good result.

Not sure if anyone has seen the article on Civil Servants pay but this is the first time I have seen how much John Fingleton is paid, not only is it staggering but for what he actually achieves in his role is an absolute disgrace. Quote taken from the article "Top of the list was John Fingleton, chief executive of the Office of Fair Trading, whose annual package - including taxable benefits and allowances - is up to £279,999."

I would write to Citi again advising them that the SAR is incomplete and note your concerns, give them a date by which to reply and advise them that if they do not adhere to your deadline further complaints will be escalating. Give them 14 days max. Should you have had an agreement with these papers? if so, specifically mention this and any documents that you think they should hold. I know when I did a SAR with them the papers came in bit by bit and after 40 days I sent them a letter before action and I was amazed just how much extra paperwork turned up. I can't answer your 4th issue - no nothing about IVA, I only know how cunning Citi are!