ok folks...here goes an update I called customer services, and asked about it...they said that we (me & Partner) agreed to it on the 31st January 2003 in a telephone conversation. I asked for a copy of this conversation...but was told that in the first instance they would 'escalate' this to their line manager, then the lady (I use this term very loosely) got quite arrogant with me, then hung up !!......i was straight back on the phone and spoke to a really nice guy who was happy to put in a complaint about this lady.....he also stated that its not the first time this had happened (with regards to Payment Protector !! (she actually put on the on screen notes that i was becoming abusive and that i hung up on her !! lol) and he would listen to the original and subsequent recorded conversation and get back to me withing 48 hours....but again...they gave me the usual dribble about...its your fault for not checking....blah blah blah......the guy also told me that if i made a dpa application then i would receive all recorded calls, on screen notes and statements for a max of £10 fee...........lol.......as if i didn't know that by now !! i acted dumb (ok...maybe not a lot of acting required !) so the long story short is: i am awaiting with baited breath the manager to call me back within 48 hours to discuss the matter.......either way i want a copy of the conversation...so i think the best route is for a DPA.......watch this space and i will update asap

Ok...for the first time in ages, i went online to check statements, and noticed this 'Egg Repayment Protector Insurance'. I secure messaged them asking them what it was, and when it was started.....they say it was asked for in a conversation in January 2003...(6 months after initial agreement )and has been debited since (no wonder my balance isn't coming down) I sent them a reply, asking for a copy of the conversation, but as yet haven't had a reply........what do i do ? I never asked for this, and am 100% sure about this, as i never, as a rule' take out any repayment insurances. And even if i did...where's my copy of the documents and/or policy ?? never received anything like this ! They have stated that they have now cancelled this, but cannot refund any monies due to the fact that its my responsibility to check my statements. What can i do ??? Any help would be much appreciated.

cheers m8, thanks for the reply........i didn't know about the 5 year limit...but luckily i only have 1 charge beyond this, so not too much lost.......i also thought that you could go up to £1500 with a summary cause ?! (maybe wrong) They have until wednesday to cough up or i will be sending LBA giving them 7 days, then action without any further notification.....(the reason i am giving threm an extra 7 days is so that it coincides with my pay day...so i can afford court fees etc) I am going down to Kirkcaldy Court tomorrow to get some info, forms etc so i will ask them details about limits etc

ok, sent Trinity Rd a letter last week recorded delivery. I attached previous letter and response from branch, and gave them 14 days to cough up. I received a standard reply on the 4th April stating that they would be in touch shortly. I am waiting til the 12th April, then i will send LBA. They dont seem too bothered about it.......... The total amount is £1968........and all letters etc have been asking for full £1968....but my problem is that... if...sorry...when ..i go to fill out court stuff next week (because i am in Scotland)the limit is £750...so presumably i will claim for 6 years ago to whenever i reached say 700 quid in charges....this will then allow me to claim for a second lot, and 3rd lot etc........ is there any other way i can do this ? and will the bank think somethings up cause the amount has dropped from 1968 to 750 ?? any help much appreciated

wouldn't it be better to run a surveyl.........so we can see how many each mp etc has been sent ?

My MP is Gordon Brown...lol......i sent him a slightly amended copy of the standard letter to mp's (cant remember where i found it)....i got a reply back from the house of commons withing 7 days stating that 'a full response will be sent shortly'...that was on the 23rd mar.......so i am waiting with baited breath.....

Statements received today. Totalled them all up and i am due £1968 plus about a tenner in interest (i take it i can claim for this too as my current account has no overdraft, and this interest has been applied when the banks charges to me overdrawn) I have sent another letter to Trinity Rd this time, recorded delivery, attaching spreadsheet, initial letter, and reply from branch letter. I have stated in my latest letter, that if they do not refund charges, then i require them to detail manual intervention, and any notes for each of these charges, to allow me to take my claim further. I am hoping, because i am in Scotland, that i will be able to claim in 2/3 chunks in court, as the limit for small claims is £750, or a summary cause is up to £1500. ie one for DD's, one for Cheques etc Any advice on this up to now would be appreciated

Hi folks, I have sent an initial letter reqeusting charges refunded to halifax local branch last friday, and received a reply today.....(see my main post http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=2004) I am awaiting full statements for 6 years, then i am goin to progress to court...... what i need advice about is that because i am in Scotland, the small claims limit is £750, or i could go for a summary cause (up to £1500), but is there any way around this ? Total claim may be as much as £3000(estimated) ie.....Halifax head office is in England...so could i go through English system even though i am in Scotland ?

I sent a standard letter about a week and a half ago, detailing the charges back to Aug 2005 (all that is available through online banking). This amounted to £507 plus interest. I am awaiting full statements back to march 2000, should be here within a couple of days. However I have received this letter from my branch this morning.....any advice ? [/img]

Hi folks, i am a newbie to this forum, but have spent the last few nights researching all the information available to me on the net, and have started the ball rolling. Prior to finding this site, I initially called the bank (0845)7203040 then pressing 5 got me through to an agent, I asked if they would be willing to refund any charges applied to my account as a gesture of goodwill, they explained 'NO' as they were set out in the t&c of my account. I have online banking, but the accounts only go back to Sep 2005, so i telephoned the same number, and asked politely if i could receive copies of statements dating back to March 2000 for tax purposes (lol......i know its a lie....but a white one......and whats good for the goose etc....)The lady said that it wouldn't be a problem, but there would be a £5 charge for this. I ensured that it was a one off charge, and not for each statement, which she assured me it was. £5 has been taken from my account today, and my statements should arrive within 5/7 working days After this telephone call, i sat down to online banking, and discovered that since sept 2005 i have been charged nearly £400 in charges in 8 months. (Cant wait to find out how much over 6 years !) So now i am awaiting the delivery of numerous envelopes, so i can work out the total. Since i am in Scotland i believe the limit for small claims court is £1500. What do i do if the amount is over this ? Can anyone help ? After reading all he info, i