Starting my Halifax Claim Today

darkmanx · 5th March 2007, 14:41

Good afternoon everyone,

I have been reading the forums for a while now and i've now decided to get my bank charges back, starting today i have sent my first letter asking for my summary of my chages from the last 7 years.

I happen only to be 23, i also work as an apprentice engineer, these charges themselves have casued me much grief and casue me to go overdrawn even more each time. So far, the worst to date was being charged £58 for going overdrawn by £0.79.

I have downloaded the first three letters and changed all the relevant fields to coincide with my needs. I do have some questions tho.

Will i have to go to court, or will this be settled without needing to go?

How long does it normally take to get my documents about my charges. you have given them 40 days in the letter, but will i be waiting that long?

I will continue to update this page thread with my claim, i am also staring the claim for my girlfriend (between us we have paid around £4000 in charges over 6 years).

PurpleTeddyBear · 5th March 2007, 14:44

Hi -

Am in exactly the same boat, with my letter going off today too.

Here's keeping fingers and things crossed that all goes according to plan.

Best of luck

Purps

darkmanx · 5th March 2007, 14:46

Forgot to ask,

Who do i send my letters to? Local branch or Head office?

Also who do i address them to?

noodledoodle · 5th March 2007, 15:09

Just address them to Halifax Plc, Trinity Road, Halifax, HX1 2RG. This is their head office and all correspondence should be served here. No need to address to anyone in particular.

Make sure you get proof of posting.

Keep us updated!

leon_heller · 5th March 2007, 15:49

I got my charges for the last two years via my on-line statements, and put a claim in that was settled almost immediately. I then requested my statements for the previous four years and got them in a few days. It might be quicker doing that, and working things out for yourself, than waiting up to 40 days for them to do it. I don't think that claiming in two stages causes any problems, and means that you might get some money in quicker, as they are more likely to settle without you having to threaten court action for a relatively small amount.

Leon

Chuchu · 5th March 2007, 16:04

Posted my claim off by recorded delivery...hoping it will be sorted out without going to court!!

Good luck everyone

MR2Phil · 5th March 2007, 16:35

Good luck DarkManx and ChuChu...not that you'll need it! Just stick to the very much tried and tested formula on this website and you WILL get your money back.

Best wishes

hardcore_alleigh · 5th March 2007, 16:37

HBOS sent me statements just under the 40 days, sent the request to the Trinity Road address.
i sent my LBA off last monday, havent heard a thing, i beleive average time is about 2.5 months from start to finish.

LINB · 5th March 2007, 16:38

Hi posted my request for statments on 14th Feb they cashed my cheque on 28th Feb but not had anything from them yet. I have the 40 days marked on my calender and if i've not had anything by then will be sending the next letter off stright away. got to keep at it.

MR2Phil · 5th March 2007, 17:02

Quote:

Originally Posted by hardcore_alleigh

HBOS sent me statements just under the 40 days, sent the request to the Trinity Road address.
i sent my LBA off last monday, havent heard a thing, i beleive average time is about 2.5 months from start to finish.

I hope so...my ball started rolling on 6th Jan and I'm about to send off LBA...that'll be getting near the 2.5 month mark.

darkmanx · 5th March 2007, 17:07

Is there any way i can miss out the 40 day wait....im stupidly impatient.

I had a thought of going into to my local branch and asking for my last 6 years of statements or is it best just to follow the templates to the letter to aviod any chance of cocking it up?

I don't have online banking as the internet isn't exactly safe in my opinion so the only way i can see stuff is on good old dead tree.

AtMoSpHeRiC · 5th March 2007, 17:12

Hi Darkmanx,

I phoned the telephone banking number to get ours and they were delivered in 7 days exactly.. I know it takes longer if you send a Subject Access Request.. Some times it doesnt go as far as the courts.. Mine did not.. I WON today for my full charges.. Very pleased.. Have a look at my thread if you like from requesting my statements to now it is exactly 5 weeks! Very impressed..

AtMoSpHeRiC v Halifax plc

Hope this link works

AtMoS X

leon_heller · 5th March 2007, 17:18

Quote:

Originally Posted by darkmanx

Is there any way i can miss out the 40 day wait....im stupidly impatient.

I had a thought of going into to my local branch and asking for my last 6 years of statements or is it best just to follow the templates to the letter to aviod any chance of cocking it up?

I don't have online banking as the internet isn't exactly safe in my opinion so the only way i can see stuff is on good old dead tree.

Just phone them up and request them. They will charge you £5 and you should get them in a few days. You don't gain anything by asking them to extract the charges, it might take 40 days.

Leon

darkmanx · 5th March 2007, 17:21

Thanks Atmos, it looks to cover everyhting i need.

I think that i will try the phone call route first and then the Subject Access Request if they begin to mess me around, i roughly know how much i have been charged and im not going to take anything less than full payment from them. If they can make £5Billion(?) in profit, then a vast majority of that is from our own money. Doesn't seem fair to be honest.

Im just shocked that its taken me this long to find this website and start the ball rolling. The money would come in really handy right about now.

AtMoSpHeRiC · 5th March 2007, 17:43

I was shocked it took me as long too, but your time is now dark and enjoy it when it comes.. I must say the whole process has been an eye opener and the people on this site are so supportive.. I was petrified when I first sent my letter but if you read loads and loads again you can't go wrong!

If you need any help just gives us a shout X

darkmanx · 6th March 2007, 10:48

First letter has been sent asking for my statements (my S.A.R), cheque sent all by recorded delivery, they should get it by wednesday morning at the latest. Another letter asking for charges back!

Checked throguh my statements last night, i have around 3 years of statements and have been charged around the £1200 mark, i know it was more before those three years, so im looking at taking the Halifax for about £2500.

Chuchu · 6th March 2007, 12:18

Good luck darkmanx, Hopefully you will receive your statements as quickly as I did. I sent Subject Access Request on 26th Feb and received statements for one of the accounts 5th Mar. Not sure whether everything else will run as smoothly!!

scarlett79 · 6th March 2007, 13:25

Hi posted my prelim letter to my local branch,will they deal with it or pass it on and have i stuffed it all up now? also didnt get proof of posting. Should i just wait to see if i get a reply then send all further correspondance by recorded delivery? or if they dont respond should i start again? help please.

sea-sidelady · 6th March 2007, 13:40

Dont worry about it, it will get to them through the int

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