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Tinkerbelle vs Halifax -I won


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Managed to locate most of my statements, but there were a couple missing. I chose not to have paper statements, and Halifax had "renewed" my online account so that some of my online statements have been archived.

 

Called them today, and said "Hi, I am trying to sort out how much I have paid in rent and when, but I have misplaced some of my statements. Would it be possible at all for you to send me those that are missing? Is that something you’d be able to do?"

 

"Sure! No problem. Which ones do you need?" After advising the very nice young lady of the statements that I needed, she suggested that she sent me all the statements for a set period that covered all the missing ones, as it would cost £5 for each request otherwise. She said that I should give it 24hours before they are uploaded to my online banking. Come to think of it – it’s not costing them postage and paper – so they’re a bit cheeky charging me fiver aren’t they? Anyway, that’s not really an issue.

 

I’m looking forward to viewing these statements. From the statements that I have so far (only about 4 are missing) I have calculated that they have taken £627.00 in the last 3 years.

 

Also, I wanted to gauge your opinions on my approach with the Bank. Once I have everything in hand and sent them my request for a refund giving x days, I only intend to establish that are in receipt of my letter. I do not intend to chase them up for a response within the designated timeframe that I have given in my letter or pussy foot around them. After all - they certainly don't when they are chasing you!. Is this a good idea.

 

Will keep you all updated on progress.

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I would say you have the correct plan...

 

If you know they have received it, then just stick rigidly to your timeframe for further action.

 

If you send your letters by recorded delivery (or if you are feeling flush then use special delivery) then you will probably get the online tracking to show you they have been delivered.

 

If you give them an inch.... well, you know the rest.

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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.

 

 

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Although promised by Halifax on Sunday 9th April 2006 that statements would be uploaded to my online account within 24 hours - there's still nowt.

 

They've taken £5.00 out my account though! No doubt for "processing".

 

Maybe they are planning on "posting" them instead.

 

Will keep ya'll posted :-D

 

Wished the smilies on this site worked *pout*

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That doesn't surprise me in the slightest. Its typical of them from what i'v read.

I sent my DPA letter on the 3rd and i'v not heard anything yet. I'm going to keep pestering them by e-mail.

Halifax -

LBA sent 12/05/06 for £1,232

 

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Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

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Yep i haven't heard anything either - its so frustrating isn't it!

Halifax -

LBA sent 12/05/06 for £1,232

 

Make a donation

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.co.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim your rights as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

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They went the distance with me too - 37 days!!!

 

Still, a very nice read - found another £800 I didn't know about. So it could all be worth the wait....

..

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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.

 

 

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Right then!!

 

Statements received yesterday. Although I asked them to send me statements from the beginning of June - they sent me from the beginning of July.

 

However, there is only one weeks worth of transactions that are missing but I can't be bothered to go and chase them up for it and wait another week.

 

So Prelim letter drafted and waiting to post to local branch!

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I hear they are in negotiations with Noel Edmonds, so the bank can phone him and ask...

 

Deal or No Deal?

 

To save time, we will have some little placards made up.....

 

NO DEAL !

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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.

 

 

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Sod off letter sent 1st class recorded delivery today to Mizz Pollitt.

 

Basically said your offer of £150 in full and final settelment is declined. Please send me the full amount by xxx date otherwise I'll see your sorry butts in court. I mean they didn't even have the decency to offer me half!! 13.gif

 

Wrote in there that they should work within my timeframe - as I definitely would be - but then I deleted that bit...no point being "xtra" cheeky eh!!

 

Will keep you all updated as usual 5.gif

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Received another letter today. It was dated 2nd May and was from a Damian Robertshaw this time. Customer Relations Manager. Maybe Mizz Pollitt has gone off with stress perhaps? 29.gif

 

Anyway. letter reprinted below for your info...

 

===============================================

 

Dear xxxxx,

 

I am sorry to learn that you are unhappy with our initial offer to refund £150.00 worth of charges. As we have explained previously, the charges we apply to your account do recover costs so we cannot agree to refund them all. However, in an attempt to reach an amicable solution to your complaint, I am prepared to increase our offer to £300.00 in full and final settlement of your complaint. I will reiterate that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my revised offer, please sign and return the enclosed acceptance form in the pre-paid envelope. (There was no pre-paid envelope)

 

You have previously received a copy of our leaflet explaining our complaints procedure enclosed. (yes they really did write that, and no it makes no sense to me either!) It also confirms the availability and responsibility of the Financial Ombudsman Service. Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right (well how about giving me back my money, instead of playing games you b*&!"$(!!!) We are keen to resolve your concerns. If we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for help.

 

If I don't hear from you in the next eight weeks, I will assume you accept my response.

 

Your sincerely,

 

=================================================

 

Obviously I need to tell them yet again, that this is unacceptable. I will advise them that unless they pay up the full amount in 7 days (they've already had 14 days from prelim and 14 days from LBA), then I will go straight to small claims court and I wont be entering into anymore dialogue with them.

 

I'm off to draft my Particulars of Claim as we speak 4.gif

 

Jeez! They don't half string out don't they eh! 29.gif

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Faxed and posted the following to Halifax.

 

====================

 

8th May 2006

 

Mr Damian Robertshaw

Customer Relations Manager

Halifax plc

P.O. Box 548

Leeds

LS1 1WU

 

 

Dear Mr Robertshaw,

 

Re: Roll Number x/xxxxxxxx

 

Further to your letter dated 2nd May 2006, I am writing to advise you that your offer of £300 is accepted but please understand that I will be pursuing you for the balance of £xxx.xx via the County Court.

 

The total amount due is £xxx.xxx

 

You have until Friday 19th May 2006, to make the refund.

 

 

Kind regards,

===================================

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Final Letter received from a Richard Brown at Halifax on Friday 12th May 2006.

 

==============================

 

Dear Miss xxxx

 

Thank you for your recent letter.

 

WE offered to refund six months worth of charges to your account, which you refused to accept. Please understand that we are not prepared to refund all of the charges that you have incurred on your account over the last six years/since your account was opened.

 

To comply with legislation, I would like to let you know that if you remain unhappy you can refer your concerns to the Financial Ombudsman Service. They can be contacted by telephone 0845 080 1800, or by post at:

 

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

 

Email [email protected]

Website www.financial-ombudsman.org.uk

 

You will find enclosed a leaflet providing full details of the Ombudsman service. If you wish to refer the matter to the Ombudsman you must do so within 6 months of the date of this letter.

 

Yours sincerely,

 

Richard Brown

Customer Relations Manager

Customer Relations

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Good luck - I'm just a day or two behind you!!

 

(title changed as requested)

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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.

 

 

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Thank you for doing that!!!

 

I must say this has all been so much fun! The thrill and excitement of hitting that submit button is second to none. 4.gif

 

Only surpassed (I expect) by the final return home of MY MONEY 19.gif

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