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I have successfully claimed back £255. I had sent my preliminary notification and received back letter that stated they did not agree with the OFT and made it very clear that they did not refund charges. Sent them the LBA and they paid up within 7 days stating it was GWG. Can't believe how quickly they caved in!

It seems they have a number of different approaches in order to test peoples resolve but just hold firm. State you will accept their offer as part payment but you require the balance to be paid before the due date. Their arguement that they are still entitled to some payment does not hold as their original level of charge amounted to a penalty charge and therefore was illegal. The offer they made to me was what it would have amounted to had they only charged £12 on each occasion. I rejected their offer and they paid up the rest as a GOGW of course

Sorry not replied before. Been on hols and just returned. I have had the account probably 4 or 5 years. The Charges that they listed went back to March 02. Missed the year off my last posting. Anyway some brilliant news is that Abbey have sent me a cheque for £200 as a further goodwill gesture so they have now paid a total of £350 (£8 more than I was claiming) so claim now paid in full

It looks like it is a print out of a query on a database. It goes back to March and totals £342. The letter which was from the Head of Customer Advocate Office and stated that £160 was being made as a goodwill paymen tand would arrive within 7 days. Which it did. I have sent them a Prelim letter stating that the £160 was only accepted as part payment of claim. Haven.t yet had any response so will be sending a LBA this weekend.

I wondered if anyone has experienced what I have. Sent the DPA letter. Within reasonable time received a letter from Abbey attaching a schedule of charges they had made on my account. The letter then went on to offer me approximately 50% of what was listed plus a refund of my £10 as full and final settlement. Needless to say I haven't accepted so sent them preliminary letter. Almost the next day received a cheque from Abbey for what they offered me. Our letters must have crossed in the post. Haven't heard back in reply to preliminary letter so will be posting the LBA any day.

If I understand you right all you need to do is click the refresh button on your browser. Good luck with your credit cards. I am just about to claim back from Abbey fro credit card charges myself. See my separate thread on this.

When you receive the list of charges ensure it covers six year period. Halifax try to fob people off with just the last two years or so because it requires a bit more effort to retrieve record solder Regarding the closed student account you can still reclaim the charges in exactly the same way as long as you have your old account number to refer to. You then use the amount you recover to clear the debt

I still feel it would worth a try at taking it to the Financial Ombudsman Service. If you put your case to them and they agree that you have a just complaint they may advise Halifax to withdraw the default. What is their to lose?

I would take this to the Finanancial Ombudsman service. They have a website that will give you all the details of how to make your complaint.

This is very unusual. They normally don't let it go this far. And saying they are sending a cheque when they have the facility to pay into your account and have already paid some money into it. It sounds to me that someone has messed up. I think this is one occasion when a phone call may be useful to ask for an explanation as to what is going on. Was the letter saying they were paying by cheque from a customer services person?

You may get another offer made but it will only be slightly more than the other offer or you may get a phone call from a customer services person. Unless you are very confident and sure about the claim don't engage with them in any conversation. Just say that you don't wish to discuss the matter on the phone. You have made your position clear in your letter and you don't want them to ring again. You may hear nothing. Whatever they do unless they pay the full amount which is as likely as pigs flying file your moneyclaim once the deadline is up. Good Luck!!

Don't accept their derisory offer. Stick to the LBA deadline. You can send them a further letter if you wish accepting their offer as part payment towards the full amount and remind them of your deadline. You don't need a solicitor if you follow the advice on this site as many others have done successfully like myself. Go for it and file you money claim once the moneyclaim deadline is up

The final £17.62 has now appeared in my account. I have now informed the court it is settled. You should have yours before the end of the day Mariana. Now for the credit cards!!!

Received a phone call from Rachel Hinchliffe at Halifax Legal Department to say that they had agreed the daily interest I was claiming and that it would be paid into my bank account ( hasn't appeared yet). That will finally settle it. When it appears I will send letter off to court informing them it is settled.

It is difficult to believe that Halifax don't have a database of past account holders that is searchable on the name, address etc. They are just trying to stall. I agree that you issue a DPA non-compliance letter provided you have already sent the DPA request letter with your £10 fee.

The 40 days start from the date they received the letter.

I would echo what Essjaydee has said. I also have a much larger overdraft than yours and not once have they demanded it back. In fact they have increased the amount that I can now overdraw 3 fold!! This is despite the fact that they have just paid me back just over £4000 in charges and interest afteer filing a court claim. So you go for it.

Wrote to Halifax claiming the interest for the 20 day period from sumitting claim until they paid the original claim. Received a letter from the court this am saying they had received a letter from halifax to say they had settled in full. Rang Halifax to see if they had received my letter which they said they hadn't but the customer services manager I spoke to asked what it related to. When I told her she immediately said that they wouldn't pay anymore once they had paid out amount in court claim. I informed her that I wasn't going to debate the issue on the phone but they were required to pay the interest for the period stated and that I couldn't inform the court that I was satisfied with their settlement until the outstanding interest was paid. She replied that they would consult their legal department. Meanwhile I will notify the court that I don't consider it settled yet.

Can anyone tell me how to calculate the 8% interest from the date I filed in Moneyclaim to the date the bank refunded me my charges and the 8% interest up to when I filed in Moneyclaim? If you try yo use the spreadsheet it will use todays date automatically. The answer to you question Cola is you can claim the interest back that the bank has charged on any overdrawn balance caused by the charges but you can only charge the 8% interest on the total claim when you file your moneyclaim

They should provide you with them in 40 days but most find they get them much sooner than that. Good luck with your claim.

You're quite right they haven't included the daily rate of interest from when the claim was filed. I will be contacting them to point this out. Presumably I don't let the court know it's settled until they have paid this?

Today I have received the letter from Halifax to say althought they indicated to court that they intended to defend my claim for commercial reasons they are not as they felt they would not be able to recover costs. They have therefore reimbursed me without any admission of liability for what I was claiming plus interest and the court fee. I am left in a bit of quandary though, as the letter when making reference to the interest stated 'together with £739.95 in respect of approximate interest that Halifax has calculated was charged on your account as a result of the charges'. Now the amount they state is the same figure as the 8% interest that I calculated using the spreadsheet. I did not actually claim for the interest that Halifax put on the charges as part of my overdraft interest because I couldn't be bothered with the hassle of calculating it. What should I now do? Just accept that they have made a mistake or go back to them and say that as they have paid the interest they have applied I now want the interest that I have applied? And do I hold back my letter to the court confirming that they have settled my claim in full until they have either clarified what this interest was for. Hope I haven't confused people

Thanks! I am not really sure what time it was paid in as when I checked it this morning approx 9am it wasn't there but when I checked just after 3.30pm there it was. I am sure that yours will be paid in soon so don't worry.

Fantastic! We were on a similar time frame and we've both received settlement today!! GGGGreat!!! Thanks for your support Mariana. Now for the rest.