Good news today, after hearing my mate's succes at getting back his bank charges i decided i would do the same. I contacted Halifax asking them for all my charges for the last 6 years to be refunded, Answer was No we will not do that. Ok mmm manager please, I raised a complaint, i was then called back 2 days later. I have to say i got a very nice English speaking lady who was very helpful. She forwarded on my complaint to HBOS. basically what i was arguing was that the charges applied where unfair and did not reflect the actual cost of admin charges incurred by the bank. Now i must also add that when i first received these charges like 5 years ago a refund was out of the question, letter after letter sent, millions of wasted phone calls got me nowhere. one phone call an a little bit of knowledge of the law and my rights, went a long way. Nice fat cheque on root to me now for all charges in the last 6 Years loverly.
I have included links i found useful incase someone with a similar issue is reading this. There under my links section.
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