WALLET v HALIFAX **WON**

Wheresmewallet · 21st September 2006, 14:16

I am in the process of claiming just over £300 in charges including interest from the Halifax. My overdraft limit was £200, but when we were financially struggling our limit was exceeded by a couple of pounds and the charges just took over and put the account in a right mess

My prelim letter was sent to Halifax PLC Customer Relations in Leeds on 14th September 2006 along with the spreadsheets which included all charges and interest details. Today I recieved this reply..

Is this a standard reply or not? It looks to me like it is out of date for a start reading the 4th paragraph.

Any advice welcome on what to do next. Ta

lisa1977 · 21st September 2006, 14:33

I havent seen that one before... I got a letter saying They were looking into it & someone would come back to me within 4 weeks !

I am due to send the LBA letters tomorrow.

I would stick to your deadlines & send LBA's as normal on 28th sep

Wheresmewallet · 21st September 2006, 14:58

It seems a strange one doesn't it.

It is a similar reply to the NatWest one I recieved, only the Natwest one said they would get back in touch within 2 weeks. Which they did with a reduced offer of which I refused of course.

Byetheway the account is/was a Halifax Current Account.

dainesefreak · 21st September 2006, 15:56

I have just recieved the same letter and I thought the same as you at first, I thought it was a different approach for me personally, well for the first couple of minutes!

I'm just drafing the LBA now. I sent my Prelim on the 12th Sept and recieved this today. Should I wait the 14 days from the 12th before sending the LBA or take this as a response, send the LBA tomorrow and start another 14 days? I have stressed in the LBA that I'm only claiming from June this year and think it's a very generous sum I'm asking for, as I could back date and include other accounts. Thought it was worth a try

.

Wheresmewallet · 21st September 2006, 16:23

It's not just me then being a one off awkward case

I'm going to prepare and send off my LBA on the 28th as mentioned by lisa1977.

Similar to your claim freak. I have statements going back 12 years (what a heap) but just claiming from the last 4 years, and there is the odd statements missing which will probably have charges on them. So I bet there is another four or five charges to add onto the ones I am claiming for. So they are getting let off really in me not claiming the whole lot. I was going to mention in my Prelim letter that I would accept my outstanding overdraft to being settled, but I thought sod it. I want all i'm entitled to with the statements I have available.

All I want to do is clear my outstanding overdraft with the Halifax as mentioned in my opening post with a bit left for a pint or two.

My claim with the NatWest is at a advanced stage, but the start to this Halifax claim is different to the Natwest's claim in it's early days.

thewifeandI · 21st September 2006, 18:03

Quote:

Originally Posted by Wheresmewallet

It seems a strange one doesn't it.

It is a similar reply to the NatWest one I recieved, only the Natwest one said they would get back in touch within 2 weeks. Which they did with a reduced offer of which I refused of course.

Byetheway the account is/was a Halifax Current Account.

And they've sent you a letter about credit cards!

dainesefreak · 21st September 2006, 18:07

I saw it as an admission that they knew they are charging rip off rates. It made me feel even more justified in what I'm doing.

thewifeandI · 21st September 2006, 18:25

It's more an admission that they haven't got a clue what they're doing! :o

Wheresmewallet · 21st September 2006, 18:34

Quote:

Originally Posted by thewifeandI

And they've sent you a letter about credit cards!

I know. I think I'd better prepare my imaginary credit card for the new charges taking effect from August 1st. What date is it today?? Bloody ell September 21st. I'd better get a move on

Wheresmewallet · 22nd September 2006, 17:01

Quote:

Originally Posted by Wheresmewallet

Is this a standard reply or not? It looks to me like it is out of date for a start reading the 4th paragraph.

Has anyone else recieved the above response to their Preliminary Letter apart from myself and dainesfreak??

Should I send a LBA off to them next week like a few have advised me to do so? It's just strange how they don't mention anything about getting back in touch within 14 days or anything. Or am I trying to compare it too much to Natwests response to the Preliminary Letter

Could do with some more advice as I don't want to make the wrong moves.

closey · 22nd September 2006, 17:04

Banks never acknowledge your timescales, they just make up their own as they go along. This is your case, you call the shots NOT them. Once the 14 days of the pelim are up send the LBA giving them a further 14 days. If they do not pay up IN FULL after that then sue them.

Wheresmewallet · 22nd September 2006, 18:06

Thanks closey

Yep. It's a case of go by the rules of claiming until the cheque comes through the door...... Isn't it?

closey · 22nd September 2006, 18:07

It sure is!

Wheresmewallet · 28th September 2006, 11:28

Right. 14 days since I sent the preliminary letter (14th September).

Mr Liam Pollit sent me a big no no letter back on the 19th september so today is the day I send my LBA off to him.

Happy reading Mr Pollitt

I don't expect a positive response from him though, seeing as they did not even say they were going to get back in touch with me within 14 days after I sent my preliminary letter. Just a plain old get lost and not even offer us a penny back. See letter images on this thread

Spuddy · 28th September 2006, 11:54

Keep to your guns, it's just tactics to scare people off, and they know some people will give up. If that letter deters 15% of the people who plan to claim money from them from proceeding further, then they will have done well and the 30p letter would have saved them alot of money.

dainesefreak · 28th September 2006, 13:13

That makes two of us then, posted my LBA off yesterday recorded delivery to Mr Pollitt, happy reading.

dainesefreak · 1st October 2006, 11:29

I've been charged another £196 since I started claiming. I believe that I can stick this onto the Moneyclaim when it gets to that stage, is that right? Can I even tell them if and when they make an initial offer or is it best just kept until the court action stages?

closey · 2nd October 2006, 13:14

If they make an offer, then state you require the additional charges to be included. If not then add any additional charges you receive at the moneyclaim stage.

dainesefreak · 2nd October 2006, 13:20

Thanks for the reply. I thought I had read I could do it at the Moneyclaim stage, just wondered if I could do it some way before that.

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