Dont send 10 quid, if you want charges we'll provide em free as an informal request.

Massive backlog at the moment

Its actually easier if you use the roll number anyway IMO, saves me 5 minutes.

Are you a BOS customer? If so, charges on mainframe only go back to 2004 on there and someone has made a mistake. Also, dont send £10, you dont need to

Man, dont cash it in at a pawnbrokers, £200 is a lot of money

If you've already settled the last claim and been charged again, if you claim it back they will give you 30 days and close your accout.

Its not a ploy fool, its trying to settle the complaint before it gets to court stage. If you dont accept that, its the last i see of a complaint.

it makes my job a lot more fun during the day, i dont know about mr brown

Just so you know, everytime someone goes to FOS against us there is a £360.00 charge against the bank, per case. And if we're found to be wrong, we get fined too.

Do you actually know what power the FOS has over a bank?

Not as simple as you'd think, takes a while to process

I can tell you honestly that it IS a route banks are considering taking. And the fee's recouped from charges would pale in comparison to those made by charging for accounts. And in that way, everyone loses out.

When we get your letter, we print off all 94Ds applied to your account anyway

Just so you know, they wont offer a part payment, as they will not refund charges, and the stance is this. The payment you get is ex-gratia, as a gesture of goodwill, if you want to recieve a refund for all your charges you'll have to go down the county court route. The OFT ruled against credit card charges, not bank charges, think there will be a proper announcement about this soon.

I need my job, therefore i will not give you a definitive yes or no

Quit pro-quo, its the way its dealt with

They're all complaints, they're dealt with the same

First time i've seen someone i know mentioned Just so you know, the letters we send you are just the same as the letters you send us, and in some cases, the wording isn't very amicable You just have to realise that we're just following the procedure we're told to, if you don't accept the goodwill we can do nothing more than give you FOS rights and let you go that route or raise a CCJ, it's really demoralising sometimes but theres nothing we can do.

If you request statements in writing with your complaint, we will provide them free of charge

It saves you sending it to branches or trinity road, they just get faxed to Nexus in Leeds anyway, cut out the middle man.

So its not bouncing around internally, send it to Halifax PLC Customer Relations PO Box 548 Leeds LS1 1WU This is the address for our backscanning department, your complaint will be scanned onto CPS (our internal workflow system) and a complaint will be logged on Solve.It You will be aknowledged within 5 days as per the handling procedure, then it'll get moved to be worked. Just so you know there is A LOT of complaints at the moment, and they're worked as an oldest first situation, from what i know there is A LOT of people working A LOT of overtime now and have had to be taken off several other projects such as endowment complaints etc to deal with these.

Hey, yeah i've been shifted off regulated investments to work these cases. I'd be more than happy to help people who are unsure of procedure or what happens when we get your complaint. I did speak to a nice lady today who was happy, which was nice

Banks will only register something against your credit file if it in delinquancy for many months, and if you provide proof that you've had it registered against your CF they'll remove it.

It was just saying that i dont have a staff account, i bank with HSBC, have done since i was a student, i think you're well within your rights to attempt to claim them back, i just think people should be a bit more, well, nice about it, we've started ringing people now to try and get quick resolutions to these complaints, however i've been called all manner of things under the sun and insulted to high heaven over the last week, when i'm simply trying to do my job and follow procedure. With regards to your complaints, they're all on the computerised system and they're deal with on a claim by claim basis, we all work really hard to get them dealt with and we dont just sit here on our hands. I just wish i can go back to my old job because i dont think i can deal with being abused for no reason until someone makes some form of ruling or regulates these complaints. Don't say 'i havent had to live and adult life'. I live an adult life. I was just brought up hard from an early age that if you live outside your means, theings get hairy.

Did someone just delete my last post? Thats a bit much if they did.