This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I think they just drag things out anyway - the longer your money is in their account rather than yours, the more profit they make. Plus I think they hope you'll lose interest or give up as it takes so long, but don't!

Hi Joanne, No there are no deadlines, you can go ahead and file the claim anytime you want - as long as the charges are within the last 6 years still. See the FAQ's for details on wording etc.. to use when filling out the moneyclaim form.

THanks Phoenix, will give that a whirl to speed things up Very amusing thread! May give the invoicing thing a go too!

Hi, I succesfully won my first claim earlier this year but have now been charged another £58 for going over my O/D limit for about 5 minutes on Monday. I've kicked up a fuss and eventually got through to the Executive customer relations - apparantly the only people who had the power to stop the charges going through. They basically told me they were unwilling to stop them and I'd have to take them to court again - I pointed out how ridiculous thos was as it would just cost them time and money reading my letters, paying my court costs etc... but they weren't bothered. My Question is this - can I just skip all the letter writing etc.. giving them a chance to refund as I've had it confirmed they're not prepared to, and put a court claim in immediately? Has anyone done this - surely they still won't defend the claim?? Whether I've written them 3 letters or not, they've still acted unlawfully and know they can't defend their actions and therefore I'd win gauranteed. Would make my life a lot easier! Any advice?

We went overdrawn for about 2 and a half minutes after paying for our holiday - transferring money to cover the offending transaction straight afterwards. However, we still are now being charged £58 in total. I succesfully completed a claim earlier in the year and have threatened to do so again. However they quote that they warned us if we went over our limit again they would consider closing our account and are saying they can't refund the charges. Has anyone else experienced the threat of account closure? Don't really want the hassle of moving all the bills, mortgage payments etc to a different bank but want my money back - do you think I should just cal their bluff and put a claim in anyway?

I contacted the CS chap who gave us the bank charges back but he was unaware of the legal action. I told him that i'd be happy to drop the charges if i got the rest back and he said the legal dept. would sort that out. 2 weeks later and nothing - i did write a letter to CS with details of our conversation and asked him to ensure legal services were aware I was willing to drop it when i got the court costs back. Am starting to think there's been a big breakdown in communication though as received nothing and the court date is approaching fast! Maybe legal services think it's sorted because i got my charges back and maybe didn't get my letter. Think I'll call them this week to find out!

Hi, I was just wondering how the law stands on penalty fares when you don't have a ticket on a train? Friends of ours were forced to get on the train last night without a ticket as the ticket office was shut. The ride was a couple of stops into Birmingham and would normally have cost just under £2. Anyway, on reaching their destination without a ticket or a permit to travel they were given a £20 fine each! Is this enforceable? Doesn't it come under the same remit as bank charges in that it doesn't cost the train company £20 to let each person travel without a ticket - it's purely a deterrent and maybe to cover losses from regular fare-skippers. BTW, Our friends aren't a couple of punks who try to skip paying whenever they can, they spend hundreds of pounds a year on tickets but were just caught out due to lack of staffing / laziness to go and find the permit machine so they didn't miss the train. Any thoughts??

Hello all, My Story so far can be found in the 'Timescales!' thread if you can find it but to summarise: I've made several phone calls and sent several letters to my Bank Manager and Customer services over the last couple of months with no sign of a refund so 3 weeks ago I wrote them a final Letter Before Action giving them 7 days to cough up before court action. 10 days later (I gave them a couple of extra days due to easter bank hols) I still had nothing but more letters fobbing me off - "we'll look into it and get back to you in 4 weeks" etc..- so filed a claim on moneyclaim last Thursday evening, paying my £30 court fee. I received acknowledgment of the claim showing that the Halifax intended to defend the claim at the start of this week. Now today I've had a letter from Customer services stating all of my charges will be credited to my account in the next few days. This appears un-related to the court claim as it's not from Legal services so am un-sure if the customer services guy (Kenneth Graham) is aware I've already filed a claim against them. So I'm happy to accept the charges back but now I'm still £30 out of pocket for the court costs! What should I do - tell the court to drop the case and call Kenneth Graham to get my court costs back? Or just proceed with the case and get them to pay up that way - I'm aware I need to inform the court if I make any settlement but the way the letter is written they're not giving me an option to accept or dismiss the refund - they're just giving it to me! All Advice or comments would be welcome!

Hi Jaybee, In my experience you're better off sending straight to customer services (see "Timescales!" thread). Customer services advised me it'd be dealt with quicker if I went through my bank manager. I did this but then after 2-3 weeks of messing me about she sent it to on to customer services to deal with anyway!

Morning all, Thanks for the responses and support. Spoke to Customer relations again just now to see if I could talk sense into anyone but they were just playing dumb - They must have been briefed on how to deal with these requests by now but they still appear clueless if you suggest the charges are unlawful etc..! My complaint is in the queue for the 2nd stage of the complaints procedure but i pushed the operator to get an idea what the outcome would be. She said that "they'd be unlikely to refund although each case is looked at individually", so that's given me a bit more assurance that they're not going to cough up unless I take court action! Will be sending a final Letter before Action out Monday giving them 7 days, then by next Monday it's action stations!

Hello all, Would like to share my experiences so far and invite comments / suggestions! I called customer relations 4 weeks ago to initially ask for my charges back. I was advised that my request would be dealt with quicker if I contacted my Branch Manager directly so this is what I did, sending one of the letters from the Library giving 14 days to pay up. I received a prompt response asking for more details of the charges (other than the amounts and dates specified in the letter) because the Bank Manager "didn't have access to my account". I immediatly faxed through statements showing the Charges and the incidents where I exceeded my O/D, as well as another letter going into more detail of the legal side etc.. and giving another 14 days to pay up. I received another reply saying she still didn't have enough info to look at my case then disappeared on holiday for a week! When she returned I spoke to her to find that "they'd been inundated with similar requests and had had to forward my request to customer relations!" I waited a week with no response so called customer relations to find out what was going on. They said there had been an error transferring the information and the request and they'd have to contact my Bank Manager to get all the details. They also said "we have 4 weeks in which to respond to your request so you'll here from us in due course" That was on Tuesday - today is Friday evening and still I've heard nothing. I've lost patience and am ready to file a claim. Q: Can I do so or do I need to give them more time?? In total Halifax PLC has had 4 weeks to deal with this even if it has been passed around to different people! Q: Would the court judge that I have given them enough time to act already or should I give Customer relations another 14 days to comply??? Getting fed up of being fobbed off but still have this (naive?) view that they'll pay up if i give them a few more days to sort themselves out. Comments?!!