This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Thanks for the encouragement, to be honest we were surprised they responded so quickly expected them to leave it till the last minute as usual. Will update when we can. usandthekids

Hi After sending a preliminary letter, followed by an LBA to the Halifax for £651 worth of charges, we recieved an offer from them of £90 , of course we told them "NO" and filed our claim online. It was submitted 15th May, acknowledged 16th May and they are defending in full. Feeling pretty nervous now but will not be backing down until we get all of our money back. USand the kids

Hi After sending an initial letter to headoffice we recieved the standard response, a list of the charges and a complaints booklet. We responded by sending the letter before action demanding the £651 in charges, today we recieved this letter. Our reference Roll number Dear Mr & Mrs ...... Thank you for your recent letter, I tired to call you to discuss your complaint but you werent available to take my call. If I may explain, I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result. We clearly outline our charging policy in the terms and conditions that apply to your account. In addition, we are commited to complying with the banking code, which sets standards of good banking practice for banks and builiding societies to follow when dealing with personal customers. The terms and conditions of your account state that you must have funds in your account to cover your transactions. We cannot be responsible if you have authorised payments against funds that were not available. We are keen to help you avoid any unnecessary charges by providing various ways to keep track of your account. You can do this via telephone banking on 08457 20 30 40, online banking or mini statements at cash machines. You can also contact one of our banking advisors at any of our branches. Ulitimately it is your responsibility to manage your account. However, as a gesture of goodwill I am prepared to refund £75 of charges in full and final settlement of your complaint. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return the enclosed acceptance form in the pre paid envelope. You recently recieved a copy of our leaflet explaining our complaints procedures. Should any of your concerns remian unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the financial ombudsman service for help. If I dont hear from you in the next 8 weeks I will assume you are happy. If you would like to discuss your concerns, please contact me on ******** Your concerns will be dealt with as quickly as possible, but to help us deal more efficiently with your enquiry, please quote ***** when writing or telephoning. Cheeky sods but pretty much to be expected, so what do we do now obviously we wont be accepting the £75 but do we contact them to say so or just file the claim in court now? Any help much appreciated. Us and the kids

He often pops down to Nantwich in Cheshire to send me a letter.Wish I had half his energy at the minute.