silou v IF

[silou]

Hi all, there seem to be a relatively few of us taking on IF so I just wanted to say hello!
Sent off my Subject Access Request to them well over 40 days ago and surprise,surprise nothing! So have followed the template letters and have one all ready to post to them tommorrow (so fingers crossed). On the plus side it does seem from some of the posts on here that when you finally get to the stage of identifying charges and claiming them back IF do seem a little more forthcoming than some of the other banks in terms of settling without getting all the way to court (hope this continues). Have already found many of the threads on here very useful and I'm sure I'll continue to as this thing progresses.

[babynan]

Originally Posted by silou

Hi all, there seem to be a relatively few of us taking on IF so I just wanted to say hello!
Sent off my S.A.R - (Subject Access Request) to them well over 40 days ago and surprise,surprise nothing! So have followed the template letters and have one all ready to post to them tommorrow (so fingers crossed). On the plus side it does seem from some of the posts on here that when you finally get to the stage of identifying charges and claiming them back IF do seem a little more forthcoming than some of the other banks in terms of settling without getting all the way to court (hope this continues). Have already found many of the threads on here very useful and I'm sure I'll continue to as this thing progresses.

HI Silou,

Just wanted to say good luck with you claim. It does seem currently that IF are paying up before the stage of actually filing with the court which is good.
I would also phone IF about your statements, we had this trouble and after a phone call we managed to get them, but still go ahead with your letter of Non-Compliance as well.

Dont forget that when you get to the stage of sending your Prelim and LBA letters to use the Halifax address (as this is a UK address)

Intelligent Finance
Division Of Halifax PLC
Trinity Road
Halifax
HX1 2RG

[silou]

Thanks for that, I've been using the Halifax address. I may well try giving them a call if I don't receive the statements within the next week.
Cheers.

[babynan]

Originally Posted by silou

Thanks for that, I've been using the Halifax address. I may well try giving them a call if I don't receive the statements within the next week.
Cheers.

Hi Silou,

I dont think taht it will make any difference but when I requested my statements I sent the Subject Access Request to this address

Graeme Mackie
Credit Control Manager
1 Baird Road
Kirkton Campus
Livingston
EH54 7AZ


I only used the halifax address once I started to ask for my money back.
I am sure that I will not make any difference to your request though because they should have passed on to the correct department. I would call them a couple of days after you have sent your letters of Non-compliance, just to chase them up a bit, do not wait any longer than that though, tell them that they have ignored you too long and that you will take this matter of Non-Compliance to court as you pointed out in your follow letter, if they do not get your statements/list of charges out to you in the next couple of days.
Good luck

[silou]

Many thanks, they have until Friday and then I will start chasing them by phone. Does anyone have any recommendations as to a particular phone number to call or department to ask for or do I just call the normal customer service (or not!) number.
Thanks again.

[babynan]

Originally Posted by silou

Many thanks, they have until Friday and then I will start chasing them by phone. Does anyone have any recommendations as to a particular phone number to call or department to ask for or do I just call the normal customer service (or not!) number.
Thanks again.

My son told me that he phone the Customer Relations Dept just before getting his money back

GOOD LUCK !!!!!!

[laddie18]

Hi Silou,

Just phone the standard 0845 609 4343 number, they will speak to the relevant department on your behalf.

Good luck - IF seem to be one of the better banks at paying up.

I get the general impression that not many people are taking them on, so maybe they are more willing to pay up?

We are behind you and watching with interest.

John

[silou]

Hi there, called IF today, they claim not to have received any requests so I guess the advice about writing to the Edinburgh address to request details of charges is correct. I used the Halifax address and clearly it gives IF the chance to claim never to have had the requests passed to them. Anyway they have put a request through today for details fo charges to be sent out to me so will keep you informed as to whether I ever receive them.
Cheers

[silou]

Hi again,
List of charges received this morning. However although I asked for charges only for the current account they seem to have provided a list of all charges on the plan (which also included 2 credit cards) but the carges are merely listed as an amount and the date they were applied so I'm not even sure if they all relate to the current account or whether some may have been for the credit cards. Anyway I'm goint to try an reclaim the whole lot under the plan number rather than just putting the current acoount details. Has anyone else had this problem with IF and how did you deal with it?

[babynan]

Originally Posted by silou

Hi again,
List of charges received this morning. However although I asked for charges only for the current account they seem to have provided a list of all charges on the plan (which also included 2 credit cards) but the carges are merely listed as an amount and the date they were applied so I'm not even sure if they all relate to the current account or whether some may have been for the credit cards. Anyway I'm goint to try an reclaim the whole lot under the plan number rather than just putting the current acoount details. Has anyone else had this problem with IF and how did you deal with it?

Hi Silou,

We got the same as you, we requested chgs from the current account and got a letter showing two lots of chgs (one for a credit card, which we had forgotten we ever had) anyway, on ours at the top of each set of chgs it showed either current or credit..........
You can go ahead and claim under the plan number because all the way through our claim even though we had split into two claims IF always only referred to the plan number. You will only actually need to split this into 2 claims if you get to the stage that you have to file in court because you need to keep bank and credit card chgs seperate at that stage. But the way that IF have been dealing with claims recently I dont expect that you will get to the court stage. I am sure that they will setle prior to that.
Did find that once we had gotten to the stage of the LBA letter that we just gave IF a couple of days longer than we had said on the letter and then the offer came through for 100% of our claim
Good luck

[silou]

Thanks for that, on the list they've sent to me it doesn't even say current or credit just a list of charges and the dates they were applied. Although there is a seperate list of mortgage charges. So lets hope I don't have to file in court cos I wouldn't have a hope of seperating them. Also there are different amounts of charges that were applied on the same date i.e one lot for 28 pounds one lot for 30 pounds so I can't even see what the individual amount per charge was iyswim was yours the same? I hope they settle mine much as they did yours, I'm keeping everything crossed!

[babynan]

Originally Posted by silou

Thanks for that, on the list they've sent to me it doesn't even say current or credit just a list of charges and the dates they were applied. Although there is a seperate list of mortgage charges. So lets hope I don't have to file in court cos I wouldn't have a hope of seperating them. Also there are different amounts of charges that were applied on the same date i.e one lot for 28 pounds one lot for 30 pounds so I can't even see what the individual amount per charge was iyswim was yours the same? I hope they settle mine much as they did yours, I'm keeping everything crossed!

Hi, It does sound a mess
Although mine did have two different lists they were still shown like yours, it just had the date and then the amount, so like yours if there was more than one charge on a day it was just shown as a total amount.......
On the Spreadsheet that I sent them I just put the Description as ' Bank Charge ' then the amount shown on that day and then the date, this should also work for you. Good Luck

[xpuser]

Hi Silou,

You will be able to cliam on the current account and the credit cards. It would be easier to deal with these both at the same time, and under one claim, as long as the total charges are below the £5000 mark.

If they are above £5000, then you would need to split the current account and credit card into two separate claims, if you want to go through the small claims court.

If they are less than £5000, then treat the current account and credit card charges as one claim, and just total up all charges (across all accounts in the plan) and file one claim.

Hope this helps.

[silou]

It all helps, thnaks v much. As it totals under 5,000 could I leave it all as one claim even if it went to court?
Cheers

[xpuser]

Yes you can

[silou]

This update is really to advise anyone who hasn't yet written requesting details of their charges to write to the IF address detailed above and not the Halifax address like I did. Reason being today I received a letter back from Halifax with my original letter and cheque attached asking for details of the account as they could find no record, now I had made it very clear that I was referring to an IF account and had included a/c no sort code etc plus my address (which was the info they were asking for) and this was 2 months after I originally wrote to them. Not sure whether this is just part of a delaying game and fortunately didn't much matter to me anyway as I had taken the advice given above and called IF to ask what was happening so the list of charges was sent to me as a result of that phone call. But just thought this might stop anyone at the start of the process from wasting time. My only problem now is that I've sent the initial request for my charges back to the Halifax address aswell so am just wondering whether there is an IF address that I sould send a copy of that to just in case.
Thanks

[silou]

Have received letter from If today offering 50%, although not 50% of amount I had claimed. They are giving the total as about 200 less than I made it but this could be cos they know which are current a/c charges and which were for credit cards! Anyway I have sent them rejection letter and copied it on their messaging service through their website, so we'll see what happens next but please keep everything crossed that they come back with a full offer!

[babynan]

Originally Posted by silou

Have received letter from If today offering 50%, although not 50% of amount I had claimed. They are giving the total as about 200 less than I made it but this could be cos they know which are current a/c charges and which were for credit cards! Anyway I have sent them rejection letter and copied it on their messaging service through their website, so we'll see what happens next but please keep everything crossed that they come back with a full offer!

Hang on in there.................

Wont be long now before you get ALL your money back

[silou]

Mmmm, maybe I was just a little hasty with that rejection letter...given recent developements! Also see from IF's website that they've posted an anouncement basically saying that they won't be dealing with any claims till after the test case and will be seeking stays on any court cases pending. Just have to wait now and see what happens I guess.