Thread: halifax plc stinks

me and the missis are just going into town to pick up some court papers, wev'e gone as far as we can the polite way, and the Halifax have just stopped our overdraft, they offered us £75 as settlement we refused, then £250 final offer, again refused, they owe us £836. How complicated does it get? if anyone who has been shafted by the halifax and won can offer help we would be very greateful
MICK & LYN


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what help do you need in particular, have you sent them lettere asking for money back and giving them 28 days in total to settle before starting to issue court proceedings? If there is something in particular you need help with just post it under this thread and i am sure people will be more than willing to help you!

thanks for reply,wev'e sent all the necessary correspondence giving time to pay up and had the standard replies, basically "accept what we have offered" and thats it, the last letter we sent was two weeks ago threatening court action, they again replied with "take a jump" do we now send a final warning or go straight for the jugular?, also is claiming for the interest lost obligatory or by choice? we also need to know if we have to ask the Halifax for an itemised Breakdown of bank charges to justify the repeated £28 and £39 thefts they commit,so all info is welcome. Once we get used to the site we should be able to find what we need more easily.

MICK & LYN

you now can proceed to court action as long as you sent a pelim letter asking for money back and a second letter (letter before action) again asking for money back, with these two letters it is advisable to send with them a sechdule of the costs the banks charged you ( schedule can be found in an excel spreadsheet in the library of this site) if you have omitted to do so,I would recommend that you probably send another letter with a schedule attached and with a final letter before action (can also be found in templates library) and then give them 7 days as you have already given them adequate notice. The interest is by choice, not obligatory.
hope that helps, i am sure you havent got to send another letter but in this case to show willing to a judge should it go to court i would cover your own back and send a schedule of charges as you havent done already (even though you know and the banks knows how much they charged you already!)
sharon