hi jaxads... good to see you're still fighting the good fight ! Good luck with it all !!!

Best of luck with this J !!

RESULT !!! Ok phoned them about the offer thanking them for the initial "gesture" of £400. The charming woman I spoke to informed me that it cost money to run my account etc. I said I appreciated that fact but I feel as though all the charges I have paid to the Halifax in the 15+ years I have been with them plus interest would be enough to cover the up keep of my account. I said I was hoping we could conclude this matter over the phone rather than me having to take it to the next stage and claim my money back via the courts. I reminded her that my timetable schedule still stood and that by my own calculations if the matter wasn't resolved by the 15th Feb I would be proceeding. I then also pointed out that for the sake of incurring extra court costs as well as interest not to mention the negative feeling that I would have as a customer that ideally it would be best if we could negotiate on the initial £400 offer. Anyway, after some negotiations and her trying to justify the costs of running my bank account and me justifying why I feel as though I have already paid for them tenfold we came to a fee. I got the full amount £520 !! :D I just have to amend the offer and she has also updated my record with the revised amount !! Thanks so much to everyone on this forum for there help and support !! I just wish I had done it earlier so I could have got the full £689, however, I cannot grumble at this !!

anyone ??

Ok update time. Got a letter from the Halifax yesterday offering me £400. I originally claimed £689. The letter stated that some of my claims were more than 6 years old (I got the statements in mid-December and send off my 1st letter (Preliminary approach for repayment letter in mid-January). So they said that the total amount they would pay would be £520, although it's not my fault it's taken them 4 weeks to get round to seeing to my claim. However, as it costs them money to run my account, etc, etc they have offered me £400. I'm tempted to give them a call and see if I can get the £520. I understand it costs them money to run my account etc but surely al the fees I have piad in the past plus interest would more than cover these ? Or should I still try and pursue the £689. Any advice on what I should do next ?

Quick update, LBA was posted on Thursday 1st Feb so they should have it by now. Will see if they reply in the next 2 weeks. Might give them a call on the 14th or so and tell them that if we can't agree to a solution then it's the next step. Thanks for all your support guys !!

No pre-paid envelope, all I got was the letter and a leaflet, "Personal Customer Complaints - Here's what we'll do" :S Ok LBA letter and statement of charges all done and ready to send come Thursday.

Thanks for the replies ! One quick question, should I send the LBA to the original address I posted my preliminary approach for repayment to which was the one in Halifax or should I post it to the address on the top of the letter I received which is: Halifax Plc Customer Relations PO Box 548 Leeds LS1 1WU Thanks again for all your help, much appreciated !

Still not heard anything so come Thursday I'll be sending the LBA letter off and we'll see what happens. Watch this space ....... Do you think it's worth giving them a call before sending the LBA or should I just send it anyway ?

ok update time. 18th Jan 07: Preliminary approach for repayment letter sent with enclose spreadsheet of bank charges (no interested added). Requested £689. Posted via recorded delivery to Halifax. 19th Jan 07: According to royal mail trace the letter was received by the Halifax. 24th Jan 07: Received letter from Halifax this morning claiming they received my letter on the 23rd January 2007 (letter is dated 22nd January ). Standard letter of apology to learn I am unhappy about charges etc and that it should take no longer approx 4 weeks for a customer service manager to get back to. I full intend to stick to my 2 weeks time scale as I wrote in the preliminary approach so would I be right in assuming the 2 weeks time scale will be up on 1st Feb (exactly 2 weeks from when the Halifax received my letter). Thanks guys and continue fighting the good fight !!

Thanks for the well wishes jaxads yeah i'll definitely be sticking to my time scale. They should receive my letter tomorrow (i'll check the Royal Mail website just to make sure !) and we'll see what happens. I'll be sure to keep everyone updated ! Hope you're having fun with your reclaimed charges

Hi Clarabucket ! Yeah i've not added on 8% interest. It's just the charges I'm claiming for the moment ! I just hope the bank don't drag there feet but I guess that is wishful thinking !! thanks !!

ok process underway now. Have calculated £689.00 in "charges as notified" just finished printing off 3 copies of the letter and the spreadsheet with costs. Will post in a few mins via recorded delivery to the address recommended by Clarabucket ! thanks so much for all the help and support I've received from this forum ! Will keep you guys updated ....

hi Rooster ! cheers for the quick reply ! OK I'll deduct the Interest debited - notified last month. They are small amounts but there is fair few of them. I'll leave it though and get it all sorted out tonight. I just wish what the hell my standing orders were for ! I thought it would have listed where the money was going but it just says Standing Order and the amount. Have been racking my brain as the payments are very inconsistant as well ... Hmmm .... Thanks again for the prompt reply Rooster - I appreciate it !! Will

Hi guys ! Ok just got back home and am going through my statements with a fine tooth comb to find charges. Ok I have found a lot of the following charges: Charges As Notified - £5.00 Interest debited - notified last month - £ xx.xx (various amounts) Can I claim for these ? I'm very curious as to why at times the Halifax only charged me £5.00 when other times it was £35.00 ? If anyone can confirm this it would be of great help to me, as I am not sure about the Interest debited - notified last month bit - is it claimable back ? I want to get this done tonight and posted first thing tomorrow morning !! thanks guys !