Posted 1st Letter to Halifax on 7th June

Phone call to the wife offering 'good will gesture' of £200

not accepted

what should be my next step - they said to the wife that they would put the offer in writing not willing to accept but are unsure of how much in charges they have charged me over the years.

can someone please advise me, as I really want to get the money back for all the sleepless nights and worries that they have given us.

Thank you and good luck to all who fight for the right!!

Regards

Ultrasonic

If you have a thorough read through the FAQs, you will find a step-by-step guide telling you what to do and when.

Good luck.

You really need to know what your claim is before proceeding - if you don't have your statements for the last 6 years your starting point should always be a subject access request under the Data Protection Act.

Out of interest, what did you claim on your preliminary letter - did you specify an amount ?

You really need to know what your claim is before proceeding - if you don't have your statements for the last 6 years your starting point should always be a subject access request under the Data Protection Act.

 

Out of interest, what did you claim on your preliminary letter - did you specify an amount ?

I would suggest you start from the beginning and get hold of your statements for the past 6 years then you know exactly what the claim amount will be.

I have received an offer of £200 from the Halifax 10% of what I believe they have charged, how do I find out what the bank has charged me over the past 6 years (I don't have all my statements), without the halifax charging me for copies.

I am a completly unsure about what I have to do but can only find one solicitor who will do it all for 33% of the settlement.

Help please

A man with a very new baby that needs loads of money spending on her and the halifax keep taking it another £30 today for £1.50 OD

MODERATED threads merged , please keep to your original thread when updating

Sorry but you REALLY need to read the FAQ's and around the forum especially the step by step guide a few days spent reading and learning will save you making costly mistakes.

I am lost as to how you can send them a letter asking for all your charges back if you don't even know what the charges are ? As for them offering you a payment you must always mitigate your loss so you must accept any offers made to you but reject all conditions attatched ie: in full and final settlement.You must make sure that it is made clear you will accept this as a part payment but will pursue them for the rest.

Everything should be done in writing and you are strongly urged not to telephone them , unless you record the calls , as you will have no record of the coversation .

everyone user who is doing this process are doing it themselves by reading and learning , but if in doubt seek the advice of a qualified insured professional

Can you please tell us exactly what you have done so far and what responses you have had and by what media.

hi ultrasonic

your best bet is to send the halifax the dpa and 10 pounds at the end of the day you can claim it back anyway

Sorry but you REALLY need to read the FAQ's and around the forum especially the step by step guide a few days spent reading and learning will save you making costly mistakes.

 

I am lost as to how you can send them a letter asking for all your charges back if you don't even know what the charges are ? As for them offering you a payment you must always mitigate your loss so you must accept any offers made to you but reject all conditions attatched ie: in full and final settlement.You must make sure that it is made clear you will accept this as a part payment but will pursue them for the rest.

Everything should be done in writing and you are strongly urged not to telephone them , unless you record the calls , as you will have no record of the coversation .

 

everyone user is doing this process are doing it themselves by reading and learning , but if in doubt seek the advice of a qualified insured professional

 

Can you please tell us exactly what you have done so far and what responses you have had and by what media.

I have written to them asking for a full breakdown of all charged levied to my account in the last 6 years, I also asked them to refund them, they rang my wife and agreed that there was alot of charges accured to my account and offered £200, my wife then told them to put everything in writing, got letter saying blah blah £220 return if accept, which I do not, I have letters and statements which total £2150 but I am sure there are more, I was wondering if I had a legal right to see what charges have been made to my account?

Sorry to be completly thick, but want to get it right and the help of this group is great for this information.

Yes you do if you go in the libary of this site there is a DPAR letter , send that including £10 .Also write back accepting the £220 as part payment ( please read post 7 for more detailed advice on acceptance ) but you will be pursuing them for the rest.Whilst you are waiting for the reply to your DPAR then spend that time reading around this site and learning .So you can't make any mistakes ;-)

keep us posted :grin:

thanks to all those that have helped already, just wanted to check that I am reading things right in the FAQ, I now know how much they have charged me £1426 in the last six years, I understand that I can apply interest using the spreadsheet in the libary section, do i now send the letter saying about the fees and also place a full breakdown in with it giving them X number of days to reply?

Just want to ensure that I look like I know what i am doing even though i probably don't!

Could I make a suggestion that perhaps some form of flow diagram would be beneifcial so that you could find out what your next step should be and when?? just an idea for an computer buffs out there, sadly my limit is typing.

Thanks once again for all the assistance and I wish everyone well with getting back what it right!!

Regards

Ultrasonic

Yes, prelim approach to bank letter in the templates library. Don't include the 8% interest at the moment (you need this when you get to the Moneyclaim stage).

Thus, prelim approach is sent, with list of charges, and relevant dates and amounts (the 'schedule')

15 days later, send the LBA

15 days later, file your claim at Moneyclaim

Hi All

I am need of some help again - I have been very ill and not been able to keep to the time frame suggested although the halifax offered £565 of the £1500 that they owe on the last letter should I start again or just carry on from that point??

Suggestions would be appreciated

Thanks

Ultrasonic

I would write a final letter before action giving them 14 days to comply and remind them of your last letter, if you have a copy to hand send them a copy of it also. As you have left it longer than usual it is advisable to do this.

Sharon

Hi All

Well after several months of doing nothing I have finally bitten the bullet and sent another request to the dearest Halifax asking for my money back, on this occassion , warned them that I would give them 14 days notice to reply before I would take the matter to the courts they replied just saying NO, they felt that the charges were right etc etc BORING!!

I have completed the claim on the courts website with the amounts do I have to send a complete breakdown to someone?? I just want to make 100% sure I have got everything right before I confirm the stuff on the website and pay the fees etc - Would be great if someone could just give me a little advice on this just to make sue I have got it right this time - KEEP UP THE GOOD WORK AND TOGTHER WE WILL NOT LET THE BANKS WIN!

You should have already sent your list of charges with your prelim letter.

What letters have you sent so far?

1) Have you GOT all your statements, yet?

2) Is it your FULL Banking history ? (This is the letter you should have sent.)

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

3) If you did send that letter and received the bog-off standard

4) Then this is the letter you should send:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

5) All the steps are here in the "proven-it-works" section:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

I originally sent them a letter asking for the money back, they sent one saying here is £200 I wrote back saying thanks but only as part payment nothing happened further, wrote again saying the same thing money back please offered a little more said the same again thanks but only as part payment nothing further heard, sent a final letter saying pay up or I will take you to court to get it back gave them a full breakdown of charges in last 6 years they sent one saying their charges are fair and what they percieve as what it cost them no offer at all.

filled in court claim form now just have to pay fee to send it off.

Let me get this completely clear.

All those letters you sent ..... were they the ones from here -

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

marked 1. 2. 3. ?

And here as well:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

As you left the claim so long from last year, did you restart the claim by sending the prelim letter, wait 14 days then sending the lba letter before you started to file at court?

Can you please give a breakdown of your progress since you restarted the claim.

That's really what I meant to ask, as well.

Thanks SSL!

As I was a lazy git and left the claim for so long I sent them a new letter asking for my money back which I got from the libary, they then said no to that letter refusing to pay a sausage.

In the letter I enclosed a full breakdown of the charges, and gave them a time scale to reply and pay 14 days I think.

Hope this all now make some sense.

That sounds ok, now.

14 days it is!

Fingers crossed, keep in touch and ask for help when needed.

We all help each other. We are all in the same boat.

After some long and drawn out arguments with the idiots at the halifax I got offered settlement of £1567.00 thanks to all who helped, now no longer a halifax customer! :-D :-D