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Linjie

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  1. Hi Dusary, I am replying to a message you left on my thread some time ago. I put forward my S.A.R. and have received that lengthy reply you mentioned from the Halifax. Standard reply - lots of people making requests - may take some time - we don't accept responsibility etc.etc.etc. Soon be time to remind them to reply to me. With regard to OFT test case, I will press on with my claim and hope for a good outcome. Hope things are going well with you.
  2. Any ideas for meeting up?
  3. ***Fantastic News*** So Happy for You Good luck with your other claims Here's to life without overdrafts :cool:
  4. Hi Moneyhelp, Just wondered how things were going.
  5. Thanks so much for your help. I just wondered how things were going with you moneyhelp and you too Sea-sidelady and Poorbaroness too? When I joined the forum I was so full of my own worries that I did not really acknowledge what was going on with you all. I see that you Sea-sidelady have won your cases against Haiifax and that is brilliant I've read that you are going on to challenge others that have 'ripped you off' and I have so much respect for you. Please let me know what is happening. Moneyhelp it is not so clear to me what is happening with you and I would love to know. You were so supportive of me when I was so down and I would welcome your continued support. Equally, I hope I can support you too. Poorbaroness you have won your case and that is fantastic and you found time to offer me support. I promise you that I may appear needy but I really enjoy hearing what is hapening with other people. Do keep in touch. Love to you all
  6. Phoned them up apparently they don't owe me money. Seems that they estimated my consumption of gas and thought they would titilate me by saying they owed me money. Next step look at the actual meter reading I took when I moved in and work out what my consumption has actually been based on current meter reading.
  7. Hi Sea-sidelady Thanks very much I think I will try and claim it back. Need to pull the details out of store on Suaturday. It would be great if I could retrieve the money cause that would take me completely out of debt. Cheers Best wishes to everyone else.
  8. Thanks Poorbaroness. I will go for it. Totally fedup being punished for going overdrawn by piddly little amounts like £15.00. It's a bitter irony that our unauthorised overdrafts are for basic necessities yet banks can invest in risky ventures and lose millions! Gosh how careless of them. While I am having a moan it is interesting that I can toddle into a supermarket and buy food that will take me £15 overdrawn and the payment goes through. Should it not be stopped at point of sale ? I could prattle on all night. I know my accounts would be in credit if it wasn't for all the charges. Why did Halifax say they had not recieved letters from you? Congratulations again
  9. Hi, Thanks for message Sea-sidelady. I have two current accounts with Halifax and have incurred bank charges on both. Amounts to some £1100 not taking into account interest. I requested details of charges on both accounts when I sent the S.A.R. I did have an account with NatWest that had a £900 authorised overdraft limit. At the end of 2001 it became some £915 overdrawn and as a consequence I incurred charges that took the account to some £1150 overdrawn. I paid off the balance and closed the account in February 2003. Can I claim charges on an account I closed? Hm! I wonder. Any advice would be appreciated. All the details of my NatWest account are archived in store but I could pull out the details. I incurred other charges tin 2001 which were taken out of my account before the 'final straw' I don't know if you have been following the Tom Brennan story but I have posted a link for your interest. Might be good for you Moneyhelp because there are a couple of legal terms that are useful if you claim additional damages for stress etc. BBC NEWS | Business | Charges case 'madness' says bank Thanks again for support
  10. Congratulations Poorbaroness You are an inspiration! Just starting my claim now having sent S.A.R. thanks to encouragement of forum members.
  11. Hm what's that saying no pain no gain ! S.A.R signed, sealed and delivered (well almost). Now off to confront my credit rating. Thanks again for support it has made so much difference to my attitude. Hope things are going well with you and Sea-Side lady.
  12. Thanks you are right will phone tomorrow - it is time to stop being defeatist. Am also organising a credit rating report and depending on result will seek another supplier.
  13. Sounds great to me. Would love to meet up.
  14. Good idea. Lucky to have an all in one printer so I can copy and scan stuff. I'm focused and ready and loking forward to a rumble with Halifax. Still reeling from the time I phoned them to try and reclaim a bank charge and I was told in such a patronising way to manage my finances better. Looking forward to retaliating but in a slightly more respectful way.
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