Brilliant! Top advice!

Thank you very much Aaronsdad, you have been of great help, no hinderance at all! I will go onto that site now and get the basis sorted well in advance! Am I right in assuming that when sending my first letter to Halifax asking for my charges back I don't add interest? i.e. interest at the Statutory rate of 8% is only claimed when I file the claim with MCOL? Very much appreciated!

Thanks, have ammended as requested, you were quite right! Just out of interest, my Halifax Current Account was closed by them a year ago. Should I be successful in claiming back my charges, would they send me a cheque or reopen my account? Aaronsdad - Thank you too, I am sure I will be asking many questions!

Great big hello to everyone and what a fantastic site this is, I can't tell you how useful and informative this site is to me (although you all probably know from your own experience). For years I have been ripped off by Halifax, despite me pleading on my knees at various branches and asking them to stop charging me just for a month or two to allow me to catch up with my financies - no way, they crippled me eventually! I have waited years for the oportunity to see justice done, and now I have found this site, I am today begining the process to get back my money which they and other banks have taken in charges over the years. Going to start with Halifax Current Account - I already have all my statements filed away for the past 6 years, so I don't neet to ask them! Next will be Halifax Credit Card - Will send off for list of charges. Then Capital One - Got most of their statements already. Lastly any other cards which may be outstanding, sure after adding up all the individual claims, I am looking at claiming between 5k-7k! Thanks in advance for your advice and reading my thread, I will be here for sometime I think! Having read most of the posts on this forum, I am confident that I will acheive something, I am very much ready to fight this all the way to court and beyond, this site has given me masses of confidence to stand up to these banks!