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Hi, sorry this is my 2nd thread as cant find my first one lol, (will bookmark this one).
Rang up Halifax on the 18/10/06 to request statements
Rang up again on the 24/10/06 to see if they have been sent. Got told yes.
Today (01/11/06) got a letter from them asking me to pay the £5 payment to cover the costs.
Rang up and moaned stating that Id already told them to take the £5 out of my account and what is going on as Ive been told that have already been sent.
man on phone stated that all calls to belfast are recorded and that he would contact the manager of the person who told me and if its true they will send them straight away, He even said he would call me back to let me know, so Ill give him till tomorrow and see if he does.
WANT MY STATEMENTS SO BADLY NOW LOL!!!!! Want to get an idea of how much Im gonna get
Update:- Rang Halifax again today as no phone call recieved. I have been told
that I dont even have to order my bank statements and that all I need is an information letter detailing them all and there is no charge for this
She has said that she has ordered it now and it should be with me in 7 - 10 days
Lee
18/10/06- Requested Bank statements by phone
24/10/06- Was advised bank statements sent
01/11/06- Letter recieved asking for £5 charge. Called Halifax promised call back.
02/11/06- No call back received. Requested information letter detailing charges.
3/11/06, Got a call back today from the man I spoke to on the 1/11/06.
Told him that Id been told that I dont need the statements etc and he said that I do and that there on my way to me lol, Cant beleive that place, they really dont have a clue what their doing lol!!!!!
Anyway, gonna call again monday and make sure theyve been sent.
Hi, yep keep us updated and in the meantime keep reading the longer threads to give yourself an idea of what to expect in terms of repsonce from the bank.
Hi, have just sent my prelim and got a few questions and hoped someone could help
How likely is it that they will close my account? Im claiming £687.
We can't give any precise answer to that, but they are not in the habit of closing accounts. You need to be prepared for this though, just in case.
Do they put the money directly into your account or by cheque?
If the account is still active then it will be refunded to that.
How likely/often do they just settle after the prelim?
They are most likely to settle in full after the court claim is issued.
Thanks in advance
Lee
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Ok received a letter through from Haliprats on Friday (17th Nov), offering me £212 pounds. Im claiming £687.
My lba isnt due until next friday but seen as though they have replied to me am I right in thinking that I should accept it as part payment etc.
NOW THE CONFUSING BIT
Im going to attempt to claim contractual interest!!!! lol
Has anyone got an idea of what kinda letter I need to write them, bearing in mind that I will accept the £212 in part payment, its my LBA and also that I will be claiming Contractual Interest????
Also is there any other halifaxers who have been succesful in claiming contractual interest???
From phoning the customer realtiones department the other day they didnt even know what it is???
From what I've read on other threads, its better to do separate claims for separate accounts or its gets confusing! If you get any spare time, ( do any of us get spare time? ) take a look through the winners threads. A lot of my ques have been answered by looking through ones that have gone the whole way and won!!! Most of the answers you want will crop up in there.
Filed on the 5th deemed as served on the 7th. Have rang Halifax today to make sure they've received it and they have , So just a waiting game now!!!! Im starting to get very excited lol. Anyone have any idea how long it will be now, Ive been trawling throught the other posts. Some people are saying that they seem to pay out on the wednesday after its been served????
As everyone else whos been in this situation I keep on thinking there gonna drag it out!!!!
My action was served on the 1st December and received a letter agreeing to pay claim on the 7th. I rang and accepted on the 8th and it should be in the account within 5 working days.
David
Addendum:
I have just checked the account and the payment has been made. Feels very nice!!!
Ok little update, Rang Rachel Hincliffe, She said no claim recieved!!! Faxed through to them. She confirmed recieved. Said acknowledgment of service done on friday. Its now Tuesday and I havnt had anything in the post? Should I have by now? She said to me they now have until the 4th Jan to put a defence in? I thought the acknowledgement was the defence???
lee,i am also taking my Halifax card account to court ,they are dragging there heels as well but they will settle ,dont let them convince you otherwise,file your claim for the fullamount in the court,you will get all the costs back,i did for my halifax bank case.
lee.all the banks know these charges are illegal,they wont defend because they know they will lose,if your having any doubts read all the posts on this website,if that doesnt convince you ,go to www.money saving expert.com there are dozens more examplews of settlements and tips on how to continue your claim succesfully.EVERYONE dont let them convince you to settle for less than the full amount.
everyone ,just thought you aught to know the county courts act doesnt apply in scottish courts,but you can still claim the interest,the wording is just different.
Hiya. Got my Acknowledgment of service through yesterday saying they intend to defend. Anyone know how long Ive got to wait now??? Seems to be taking forever
Got the letter through yesterday offering me settlement. They wont consider the contractual interest part of my claim but really need the money so have called and the woman said she will make a note that I will take the money. I havnt actually said to them yet that might continue for the contractual, (worth about £500), I just want to make sure I get the first bit of the money in. She says it will be between 5 to 10 days apparently. Anyone have any experience of how long it actually takes???
Another quick thing, Why is it that some people just find the money in their account and then get the letter but others like me get the letter first?
Is Halifax not asking for people to accept it first?
If you accept this payment (presuming that it will be called 'Full and final') then it is the end of this claim, you can't change your mind about the contractual interest bit later.
That's not to say you should or shouldn't accept it - that's up to you only - but I just want to make that point clear.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Lee v Halifax ***SETTLED IN FULL***
PLC to get my money back, I reckon they owe me a couple of thousand back in bank charges.
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Lee VS Halifax
Originally Posted by Somecamel
