Thread: Eastham75 v Halifax

Requested my statements just over a week ago and received them on Saturday,
will go through them tonight.
then start action tomorrow,
Theres about 3 of us at work all doing the same with different banks.

I have the template for the first letter which i hope to send out tomorrow is there anything i should be carefull of ??

or is it a case of fill in the blanks send it out and then send the 2nd letter?

Don't forget to do a schedule of he charges to send with your letters. Use the templates in the library.

Good luck

Also read the newcomers guide and as many threads as poss in order to keep one step ahead. If you do have a question, just ask.

eastham75,

After filling the blanks, make sure there are no spelling or typo errors in your letter. That will make it professional looking.

Don't forget to add the printout of the spreadsheet you compiled of the unlawful charges when sending your preliminary letter.

Also, keep to your own timetable. The bank may reply your letter saying that they will respond to your complaint in 4, 6 or 8 weeks. That is normal delay tactics. Ignore their timetable and follow your own timetable.

Whether they provide response to your letter or not, until your money is refunded, after 14 days of sending preliminary letter, follow with letter before action (LBA). If they fail to respond to your satisfaction, progress court case after further 14 days.

Good luck

Cheers by the way on the spreadsheet to i enter the actual charge that the bank have debited or do i have to adjust it down by say £4 or what ever?

i have downloaded the spread sheet here at work and will fill it in in the morning.

many thanks

Hi - like everyone has said just read as many threads and the FAQ's. It gets less confusing the longer you're on here & everyones ready to help. Don't know where you stay BUT if it's Scotland make sure you read the Scotland section - small claim amounts differ and there are now problems with splitting claims into smaller amounts. (Although I've just realised that with a name like Eastham you're probably not from up here LOL)

?Did you write for your statements or phone them i ve been waiting weeks they havent even cashed my cheque yet.

i phoned the Halifax with a question just over a week ago they debited my a/c with the £5 and i received them on Saturday.
the fellow at Halifax told me to allow 28 days but added it would be more like 15 but was actually 8.
my claim is around £3600 my statements made really awful reading quite depressing really.
What are the maximums in England for the small claims court?
By the way iam now essex based ex of E.London

Dumb question but on the ist letter template it mentions charges amount and interest is that the notified debit interest that Halifax charge or the 8% calculation on the spreadsheet?

The interest is the 'overdraft interest'. You only claim the 8% interest as additional only when the case goes to court.

Would that be the overdraft interest applied at the time of the charges or do i have to calculate it?

overdraft interest should be listed in your account statement if you were charged.

It is the overdraft interest applied at the time of charge or shortly afterwards depending on the bank.

That's it posted my claim recorded delivery,
now i wait 14 days before next letter is that correct?

That's it.

just received the firt reply as you advised saying they had 8 weeks or so,

my next leeter goes our on the 24 as i hve given them the benefit of the doubt because oh th B.H.

My lba is all typed out and ready for the post today used the LBA template and deleted the red & blue stuff.
so here goes.