Thread: chipsandsausages v halifax

That seems correct - i.e. that there is only one letter to send.

If you have your statements, then go to - "Letter - Preliminary approach for repayment."

otherwise you would need to request via DPA - "Data Protection Act Request -- Letter - List of charges"

Once you have the standard response from the bank, you use the - "letter before action"

I would just stick with the lba currently in the library - if there was another then it will have been removed/ amalgamated with good reason, probably to avoid this confusion....

You only need to point out that they have 14 days or court action will follow.

To quote BankFodder... "This letter warns your bank that they owe you money and that you will be suing them unless they pay.

I can only speak personally on that one - and it's because I didn't know the law!!

You tend to expect that when a bank tells you it can do something, then it can. Until now.....

Just to let you know how I am progressing.

March 27th prelim letter req repayment sent for 1471.25.
March 30th - letter rec'd advising they paid 14.99 debit card which caused me to exceed OD by £6 for 2 days. Further £30 please.

April 6th 2 letters received. One said, we have paid the amount below even though it meant you exceeded your OD limit. We will have another £30 thankyou. The other said 'Sorry you are not happy with the service we provide - we will get back to you. Meanwhile, here's a leaflet.' Followed by a computer generated signature.

???

Running true to form then.

Well, my child benefit was paid in today, plus another £60 I managed to scrape together, which will all go into the Halifax's pot - as my total charges up to now for April will be £157. My letter before action is printed and ready to post today. I have also told them that charges I am expecting over the next couple of weeks will be included in my claim. Am I okay to do that if they haven't actually taken the money yet, but have written to say they will take it in seven days time?

I had the same problem, in that I knew an additional charge would be taken later in the month. I mentioned it in my letter, but when I issued claim, I had to go with what was the actual amount taken at that point.

I just see it that when I get the 1st lot back, if they contact me 1st to offer settlement, I will ask that they include the latest charges, or I will immediately start a 2nd round of letters, and hopefully, this time, they'll relaise I mean business and settle before it goes to Moneyclaim. Either way, they will pay me every penny. With interest, if that's the way they want to do it.

Why aren't you diverting your CB into a different bank account? That will stop them getting their grubby paws on it before you do, and any charges they heap on your account, well, they can always add to your overdraft, and you reclaim later. Meanwhile, you might use the CB for what it's actually meant to be.

Thanks Bookworm, never actually thought of that. Although I need every penny I can get at the moment to go into the Halifax a/c to avoid exceeding my overdraft.... it's like a vicious circle.

I would divert my CB, but that combined with my wages, pays for my bills and if I diverted it now, it would mean diverting all my direct debits too. I want to try to do all this together so I will take your advice on board and start the ball rolling as soon as I get a full day to myself to sort it all out. (PROMISE!)

I visited my bank today to hand in my lba. I am actually excited about the whole thing. Not scared of going to court at all in fact. Bring it on! So they have till April 25th to respond. Will let you know how I get on. Thing is, with opening another account elsewhere - aren't all banks the same???? Is there such a thing as a bank that actually takes care of your money? or would that be asking too much...?!


Actually worked out in my head - that it's been costing me a little over £60 a month to have my account with the halifax - for the last 2 years - when most of my charges were racked up!
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Well, I got a letter today (I only handed my lba into my branch 2 days ago!!) - it said that they had tried to contact me but I was not available to take the call. I will ask them when this was, because there have been NO calls made - all calls received are checked!:o

They have offered (as a goodwill gesture) £380 if I accept as Full and final settlement. Of course, the amount is not negotiable and I will be advising them in due course.

How much "goodwill" can a bank afford to spread amongst it's customers??

Date for moneyclaim remains April 25th.

BY THE WAY, SHOULD HAVE WROTE TO THEM, "I'M NOT PLAYING 'DEAL OR NO DEAL' "

Sorry, I thought that was quite funny.

Well guys, it's 3 days before I am due to go to moneyclaim - and guess what?

"I am sorry to learn that you are unhappy with our initial offer to refund £380 worth of charges......in an attempt to reach an amicable solution to your complaint, I am prepared to increase my offer to £777...."

How do they come to that amount?

777?

Well - I guess it's the courts for me. A little scared it may come back on me, but hey - I am prepared to go the full journey.

Let's gerrem!
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Let's have a race, see who gets their money first! (lol!!)

Have you got your own thread? Just so I could follow your progress.

Well, it took blood, sweat and tears but it's done now.

Have been to moneyclaim and put my case forward. I hope it is the right thing. Keep thinking about what it would be like sitting at the table with the guy from the Halifax and all his legal papers - and me with my pink and blue ring binders....

Hope it doesn't get that far anyway. But if it does I shall be well prepared. (Thanks to everyone on this site).


The girls I work with can't believe I have gone through with it! Some of them have asked for the website address so that they too can have the chance to reclaim what is theirs.

I wrote to the Halifax today to tell them I would accept the £777 but would continue to claim the rest through the courts.

They bounced my council tax again today (twice in one month) so they have now charged me £78 for not paying my council tax in April. (?) This means I don't have the money to pay it because my charges for April have exceeded £200. I have said in my letter to them that they have caused me financial hardship - I am a mother of 2 children who need to be clothed and fed - in the hope that they will cancel the charges about to be brought next week. Failure to do this would result in me issuing another claim on them - and more court costs.

I'll let you know if I hear anything.

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