No they didn't try that one. The only thing that they tried to say in the insurance team was that they could not confirm how the insurance was sold to us so referred us back to the branch. (IDIOTS, the branch where the card was opened is now closed!) That is when we were so fed up we just decided to issue a formal action notice letter giving them 14 days to refund in full plus interest and 8% per annun for the last 5 years. They said OK!! Good luck with your claim, I don't know the particulars but have they got evidence of how you were sold the insurance? This was the problem for them with our claim they had no evidence as the agreement signed for the credit card did not have the insurance requirement ticked. They also have no evidence to say when we requested the insurance! I am sure with determination you will be succesful!

Just figured out to update the title!!!

Just to keep you all informed that I sent a formal action letter on 24/07/2008 and yesterday received a letter from Sue Johnson, Customer Relations, Review Manager, and in summary she acknowledges all our complaints but does not agree. However because she ahs no evidence to defend HBOS, she has upheld the claim and we are having a huge £2428.95 refunded onto the Credit Card, which basically will clear the entire balance!! THANKS EVERYONE! WE WON!!!!!!! HURRAY!!!

SORRY POSTED THIS ON 24/07/2008 ON WRONG THREAD. Update, got our agreement and it does not have a tick next to the box on the agreement requesting the PPI, also they have passed our details around for weeks on end and have now wrote back saying they can't find how we were sold the insurance and suggest we go and see our branch where it was sold in the first place! Well we would but the branch closed about 2 years ago!! I have today issued a formal notice stating that if we do ot have a settlemtn in full within 14 days we will have no choice but to file a claim at the county court. I have literally copied everyone I could think of into the letter and emailed it too! Financial Ombudsman Office of Fair Trading HBOSPLC Trinity Road Halifax HX1 2RG Ms. Rachel Hinchliffe HBOS PLC Legal Services - Retail Division Trinity Road Halifax HX1 2RG Andy Hornby Executive Office Halifax PLC Trinity Road Halifax HX12RG Adrien Percy HBOS PLC Trinity Rd HALIFAX HX1 2RG Not to mention the addressee's The Complaints Department Halifax Card Services PitreavieBusinessPark Dunfermline KY99 4BS Hopefully this will work.

Update, got our agreement and it does not have a tick next to the box on the agreement requesting the PPI, also they have passed our details around for weeks on end and have now wrote back saying they can't find how we were sold the insurance and suggest we go and see our branch where it was sold in the first place! Well we would but the branch closed about 2 years ago!! I have today issued a formal notice stating that if we do ot have a settlemtn in full within 14 days we will have no choice but to file a claim at the county court. I have literally copied everyone I could think of into the letter and emailed it too! Financial Ombudsman Office of Fair Trading HBOSPLC Trinity Road Halifax HX1 2RG Ms. Rachel Hinchliffe HBOS PLC Legal Services - Retail Division Trinity Road Halifax HX1 2RG Andy Hornby Executive Office Halifax PLC Trinity Road Halifax HX12RG Adrien Percy HBOS PLC Trinity Rd HALIFAX HX1 2RG Not to mention the addressee's The Complaints Department Halifax Card Services Pitreavie Business Park Dunfermline KY99 4BS Hopefully this will work.

I received copies of my statements and addedd up the total amount of PPI that they have charged to date...... is that wrong!??

Hi Guys I am in the process o claiming back our PPI insurance on my Halifax Credit Card, on the basis that it was mis sold to me. When an application was made for a bank account, I was advised that ''oh you have also qualified for a credit card, please sign there...'' There was no mention of the insurance and according to my knowledge that is against the FSA Regulations! I have obtained copies of all my statements and asked for a copy of my original signed agreement stating that I want the insurance. Low and behold, Halifax has not been able to provide the credit agreement, apparently it is in their archive and the girl I spoke to was having difficulty obtaining it. This is only from 2003- so they should definitely still have the agreement somewhere. Anyway, have calculated the total amount due back as £1419.69, can someone please help me figure out what rate of interest I should be applying to this and how do I work it out? Once I have this information I will be sending the prelim letter. Many Thanks in advance. Lena

No I don't think we need the PPI and I do not recall them ever giving us an option to actually take this up! I know exactly why they won't reduce the APR i think that they are a bunch of crooks, I am in the process of regustering my concerns at the OFT so that they can give me their advice, maybe they know if this is lawful or fair? I will certaily look into a loan pr balance transfer though, the battle is not yet over!

Thanks Chris Our credit rating is average/good, but not excellent and after listening to all the ''credit crisis'' talks on the news, I doubt that we could do a balance transfer. Does anyone know if it legal for Halifax to refuse a request such as above? To reduce APR on a short term basis. I am getting very frustrated with this mess!

Hi Guys I hope you can help me! My husband and I have a credit card with the Halifax and have had it open for over 4 years now. We stupidly paid for a holiday with it last year and have failed to pay it off; it's at a £5000 balance now. We make the minimum repayment by direct debit every month without fail, and are never late paying. Without even realising, (admittedly I haven't checked the statements religiously) the APR has been increased to 28.9%!!! Daylight robbery, so now our minimum payment does not even cover the interest and repayment protection at the end of each month. I called the Halifax and was put through to Customer Retentions, fat lot of good they were. I asked for them to reduce the APR for a 6-12 month period so we could continue paying the £100+ direct debit monthly payment but we could actually have a chance of reducing the balance. They refused saying that the only way they would look to change the APR is if we declared financial hardship and then they would freeze the account. This would mean marking our account as 'high risk'. My argument is, we are not in financial difficulty, (yet) but we do want to reduce our credit card debt, we are advising Halifax in advance of any financial difficulty, so why can they not help us now? Why do they have to wait for us to default? Does anyone have any ideas on what we can do with this, I am so furious with this situation!!!! Many Thanks in advance Lena p.s I have looked at balance transfers and consolidation and that is my last resort, I want to know why Halifax do not want to help!

Thanks very much! I will do it now. :D

Thanks Guys, Kate I will help you as much as possible, I found that dropping them a quick call t the customer relations department, just clarifying information given seemed to have the desired effect. Everytime I receive correspondance from them telling me to s*d off! Try it might work for you aswell. I now know that they cannot argue these charges and will pay, they are just trying to push their customers as far as they will go! Any more help I will be happy to give advice on my claim, but I think you probably know more than me anyway!!! Also can anyone help me figure out how to Donate money?

Fab news everyone, they paid in full including court charges. I knew deep down they would. After all they can'f prove the claim ' the charges are disproportionate, and therefore not fair' Had a lovely letter saying they accept no liability and I am not allowed to discuss this with anyone or make it publically aware that they have paid?!! Jus wanted to say many thanks to all the poeple that have taken time to set this site up and everyone who has responded to any of my outbursts or questions!! I get married 2 weeks today and this will certainly be such a help! I will make a donation, might need a few pointers on how and where to go and do it??! Go get them everyone!!! They will PAY!

Hi Guys Just checked Money Claim online and they have acknowledged the claim? Tried looking at the FAQ's and explanations on the money claim website but it was not very clear what this means? It just says that they have 28 days to respond, I take it that is with a defence? Any help would be greatly appreciated!

Just checked the status of my claim and it shows that ut has been accepted by the courts and was issued on 19th June 2006. That gives them until July 6th 2006 to file a defence. When I emailed Michael Duncan I expressed that i would be sending in an additional full SAR request as per the DP Act- and asked if he could clearly identify where the charges were as said by Stuart Higley to be justifibale and if they had ever required manual intervention. I think that they have realised that they will not win as I had an email response from Michael saying that he has now reuqested for the Senior Executives at the Customer Relations department to look into my case. They might settle out of court who knows?? Lets hope they do!!! If not i am prepared to go all the way!

Oh thanaks for that Guys. I was worried for a minute there! I decided to cver my back and email again to both Stuart Higley and Michael Duncan just to let them know that since they have failed to oblige to the LBA a claim has now been filed. Overriding the 14 days as they have responded negatively. Just a waiting game now i take it? ;-)

Ahhhhh HELP Should I have waited the 14 days before I filed a claim? I have doen this already as I have had a response telling me to sod off with the LBA? Am i in trouble now? Help please?

Fists are out I have issued a claim ref 6QZ39256 Here we go......

Thanks Kate I am going to register the claim on money claims online today. I can't beleive that they are doing this, my claim is only for £700 what's the point? If they think that I am going to give up or give in they have another thing coming. I am a typical Leo, very stubborn and very determined so they better just hold onto their hats because i am annoyed now!!! Grrrrrrrr.... Rant over , here goes with the court claim....

Right got an update for you. I made a call yesterday to just check that Stuart Higley received my letters and I actually managed to speak with him! So he is real! This morning I have receved a response from him against my letter before action and he is standing his ground saying that they will not refund any charges. Do I now register my claim and give them 14 days? Do I send a letter before to advise that I am starting legal proceedings? From my understanding by reading the FAQ's I think that I should now simply register the claim on money claims online? Just want to clarify that I am doing this right! Any advice appreciated! Thanks Lena

Hi Kate Just found out that I will have to pay £30 to start the court proceedings on moneyclaim online. And yes you are right I do get this back. I soke with an very sympathetic and interesting advisor yesterday and she agreed with everything that I said, surely not good for company image- even the Natwest staff have no confidence in the way that charges are applied!!! Anyway willlet you know of the results of mt LBA!! Here's hoping and fingers crossedxxxxxxxxx

Update I have managed to get anther set of contat details for a Michael Duncan colleague of Sir Fred Goodwin CEO of Natwest and RBS- his mail details are as follows; michael.duncan@rbs.co.uk I sent my LBA yesterday and am waiting for a response, I send verything by email and post so i know that they have received my email letters as it has been read- I asked for a read receipt and delivery report!! Now just a waiting game! Will keep you all posted.

Hi All Just to keep you all updated I have just spoken to Sir Fred Goodwin's PA and she has given me email contact details for Michael Duncan- Sir Fred's right hand man! Email for all RBS and Natwest cases- Michael.duncan@rbs.co.uk, apparently he looks at all complaint letter and will intervene if he sees it to be necessary. Here goes....... Thanks Lena

I did kind of think that I was doing it right but just needed someone to say, 'yes'! Roll on tomorrow I am prepared full steam ahead! Thanks Lena

Hi All Just wanted to clarify that I am doing this right! And also any advice along the way by all of you would really help. Am just going to post my case to date and hopefully we can share if information with regards to standard responses! I asked for SAR on Friday 2nd June and had a standard response asking me to send a fee of £5 for statements or £5 for a full SAR, Incidentally I have all my statemens so I calculated the amount myself. Sent the Preliminary Letter last Friday 9th June and received a standard response again dismissing my claim from the elusive Stuart Higley.:-| Am now going to send a LBA and see what happens from there? Does this sound about right? Just want to make sure i am not going toend up incurring all the court costs in case it does get that far!! Incidentally my claim is only for £692, but that is a lot of money to me. I hope this does not make a lot of difference to the process. Anyway will keep you posted, i will send the LBA tomorrow. Thanks Lena