As promised, the lady phoned this morning having recalculated what my charges were and came up with a total amount £200 higher than I had calculated (£1,800). She then made an offer of £1400 which I declined. She then asked me what amount would I settel for and I said the whole amount of £1,800. She then agreed to pay me this and said that it will be paid into my account in 14 working days, but is most likely to go through within the next couple of days and I don't need to sign anything! Job done

Well, having had to go abroad on business, I haven't been able to do much about this. However, I sent my LBA (accepting offer as part payment but preparing to sue for balance/or all) over two weeks ago and failed to get a response. Have just applied some fresh charges to my spreadsheet and gave customer services a call to see if they had received my LBA. They informed me that they have and want to settle. Very pleasant lady said they've based their offer on highest two years charges. I told her the amount I was about to sue for had now changed due to recent charges. She said that mean she would have to apply fresh calculations but would like to do this and call me in order that we can settle. I told her that I would only settle for the full amount and I was merely calling to ensure the LBA had been received and I was now ready to file my claim with the court, after which they would become responsible for costs and interest. She said she would try and call me back today or first thing tomorrw to try and settle. I made it clear, politely, that if she didn't come back with an offer for the full amount, I will issue. Let's wait and see...

Any help would be greatly appreciated. In understand from the FAQ's that I should accept the offer as partial payment. In doing so should I just reply using a normal letter? I don't feel I can used the bank's consent form as this mentions full and final settlement. Thanks

Okay, things have been a little delayed as I was sent away on business which put a spanner in the works and haven't yet sent my LBA. However, I've just received a letter with the usual guff about having to pass on costs etc. and an offer of £1,017. This is roughly two thirds of my £1,600 claim. I'm going to press ahead for the full amount, but wonder what to do about responding. Should I simply send in my letter before action now, or combine it with a letter declining their offer? It would seem that I can't accept this as part payment as the offer is based on my agreeing that the it is in full and final settlement. Any help appreciated. Thanks

That's what I thought. Thanks for that.

I haven't even had an acknowledgment to my complaint and the 14 day deadline expires tomorrow. Is this normal? I thought from the posts that most people had received some form of communication from Halifax when submitting their prelim letter. If there is any danger of them not having received the letter, should I hold off sending the Letter Before Action? Thanks

After a hectic time at work, finally got my schedule done and have totted up £1650 in bank charges. Have now sent my prelim letter. Let's wait and see...

Thanks for that. Writing my prelim letter today.

Many thanks guys. One other question in respect of interest. I accept that I obviously cannot claim in respect of interest charged on my overdraft as that is what I agreed with the Bank, but I note from these threads that people have been claiming for interest. There is nothing on my statements which says whether I have been charged a higher rate of interest for going over my overdraft limit or not and I was wondering how, if possible, you can work this out. Thanks

Having fallen foul of bank charges when I was student and then during the last couple of years when starting my career and having to find somewhere to live in London etc. I had a glance through my last year's statements which I view on line and noticed I have clocked up quite a few. I called Halifax and asked for my statements for the 5 years previous to that claiming I needed them urgently for a meeting with my financial adviser. I was told they would be sent immediately. Naturally, I didn't receive them and after some stern words with customer services on Friday night, who informed me I had never made a request and such requests must only be made in writing, they arrived yesterday. I've totted up £1,500 in total (although I am missing one statement for April of this year which I need to check). Therefore I am going to prepare my letter requesting repayment. I'm a bit concerned about them wanting to close my account though, as I don't think I'm going to find another that will give me the same level of overdraft etc. However, looking at these posts it would appear that Halifax don't usually close accounts - is that right?