Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Purple1979purple Novitiate



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    Red face Hazel v Halifax

    Hi all

    I am hoping someone can advise on the letter i have had back from HBOS - I sent of the standard letter requesting statements received this back -

    Thank you for your letter requesting specific information on your account with us, I can confirm that copies of duplicate statements have been ordered and will be sent under seperate cover. With regard to your request for information relating to the manual intervention on your account, HBOS is under no statutory obligation to record this information and therefore I am unable to assist your further with this request.

    Yours etc

    Has anybody had this reply and what does it mean for me claiming back charges

    Thanks for any help

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  2. #2
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    Default Re: HazelvHalifax BOS help please

    Hi - welcome aboard....

    This has no effect on your claim and will only serve to harm their defence if they later wish to use this as an argument.

    Just proceed with the claim as per the step-by-step plan.

    Best of luck

    ..

    .

    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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  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Purple1979purple Novitiate



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    Default Re: Hazel v Halifax

    Cheers thanks for that, I think they are just trying to baffle me, Im glad to have this board to help me through the process, I have no idea how much I will be claiming but am guessing at a few hundred at least, I have allready set up another account and moved everything over so nothing to loose

    Hazel x

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