Doublemum V IF

[doublemum]

Hi all

New to the site, so thought i'd say HELLO!

I am just about to send my letter off requesting my bank statements for the 6 years, bit scared by it all, but feel i must do this if they are ripping us off!! I'm sure they must owe me in excess of £1000!!! Better in my account than in theirs!

Just a few q's tho i'm afraid!

Do i address things to Halifax or IF?

Do i send them £10 or do they take it out of my account?

Is this bunch easy to deal with or will i have to fight them to the bitter end???

Thanks in advance, wish me luck!

Lorraine

[doublemum]

Posted request for charges on the 12th, still no response.

Bit odd tho as its not showing as delivered on the royal mail track & trace bit.

So where has it gone??

I sent it to the registered address in Halifax, is that right?

[PhantomReclaimer]

I wouldn't worry about it, you have the ticket to show it's been posted.

Press on, you will win. I've had 2 wins against IF now.

P.

[doublemum]

After receiving another charge today i decided to ring them up to see if they had recieved my letter

Spoke to man in customer services he knew exactly why i was asking for them & mentioned that they have been given a date of 28th August & that all charges before that date are legal!!!!! I just said well i still want a copy of statements or charges, there were no notes on my account of it being recieved so he would pass it to complaints dept.

About 5 mins later the same guy called back to say that he had spoken to dept that is dealing with it & they had actually got the letter on the 20th, 8 days after i posted it (12th) 1st class & they had 40 days from that date to give me info.

Now do i count the 40 days from when i posted it or the date they say (?) they received letter???

Also has anyone else heard about this date that i mentioned above??

[PhantomReclaimer]

The S.A.R - (Subject Access Request) response time is 40 days from the date on which a correctly made and fuly paid up request was recieved by them.

I don't have any idea where they get this date of 28th August, it's new on me.

I find that with any organisation whatever they tell you over the phone is usually just so much crap. If you don't like what they are telling you then ask them, politely, to please put it in writing - needless to say, they won't!

P.

[doublemum]

Well got my list of charges today along with tho postal order i sent them, saying that there was no charge.

Not as much as i thought, i obviously haven't been as bad as i thought?!?

So off to read a bit more about the next stage, LBA i guess!

Would be lovely to get this before xmas, would help out loads!!

Also does anyone know what i do with returned PO? its made out to IF so not sure if i can cash it back or can i cancel it & get money back?

[doublemum]

Hi All

Well i sent my request for payment letter off to IF & i've had a reply today offering half the amount back. I don't want to accept this so just need a wee bit of advise as to which letter i send now

Do i send the refusal one then the LBA or just the LBA with a little bit in it refusing offer??

Thanks in advance!

MERRY CHRISTMAS TO YOU ALL & A HAPPY NEW YEAR!!

[PhantomReclaimer]

Originally Posted by doublemum

Hi All

Well i sent my request for payment letter off to IF & i've had a reply today offering half the amount back. I don't want to accept this so just need a wee bit of advise as to which letter i send now

Do i send the refusal one then the LBA or just the LBA with a little bit in it refusing offer??

Thanks in advance!

MERRY CHRISTMAS TO YOU ALL & A HAPPY NEW YEAR!!

Personally, if it's been 14 days since your initial request for payment letter I'd just send them the LBA for the ful amount. You haven't recieved a favourable response so you are only doing what you said you would in your presious letter.

P.

[MARTIN3030]

You can of course send both letters together,but I found that a little tinkering with the Lba by adding the refusal in there will suffice.
The 14 days now signals the next step and theres no reason why you cannot get this out straight away.
Either way you are getting close,and are possibly within sight of the money inside 3 to 4 weeks allowing for the holiday

[doublemum]

Well had a very quick reply to the LBA!!! Saying that they were not able to refund me all of my charges, surprise! Now just one thing (not sure if i made a cock up?!?) They offered me half of what i'm claiming & i refused that saying i wanted all of it, now should i have taken that as prtial payment?? Does it really matter?

So do i just go to court now? Bit scared now

[PhantomReclaimer]

Makes no odds, you can take the partial payment and pursue the balance or refuse it and pursue the lot. I have a cheque here from MBNA they sent me, although admittedly without my agreement, that I'm not going to cash as I'm going to pursue the full amount. I'm not in any rush.

P.

[doublemum]

Well, been away a bit, started new job so this got put to the side.

I have just been on MCOL & put my claim in, so lets see how it goes.....

Why have i got a knot in my stomach?

[doublemum]

Hi all

Well they have until Saturday (17th) to acknowledge or not!!

Now does a saturday count or does it roll to the Monday as a working day???

[doublemum]

Acknowledged!!

Ggrrrrrrrr Why drag it out??