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debbarker

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  1. Today we received a letter from Halifax offering £6,000 as full and final settlement. This relates to the first letter I sent (if you read my thread this will make sense!!) with an 'estimate' of £6,000 of charges. However, since sending that and coming to this site I realised we are probably owed more than that and have sent SAR and £10. The SAR hasn't been acted on at all. This evening I phoned the named person on the letter (Graham Neale 01977 627185 - Customer Relations) and I have to admit he was very helpful. I explained about sending the SAr and not having received any statements yet, and the deadline being this coming weekend. Straight away he said he would get on to it and have them sent out to us immediately!!!!! I did say to him that we reckon the overall amount we will claim is more than £6k and that we would get back to him once we have recalculated everything - obviously still within timescales etc. Am just feeling glad that things are now moving and I can see the light at the end of the very long tunnel!! Debbie x
  2. Hi and thanks for your replies. I found that letter and have sent it to them today. It should make a difference then. Will also phone Customer Relations in the week to ask about my SAR and WHERE IS THE INFO I ASKED FOR?!!! Just want to get going on it! Debs
  3. Am STILL waiting for them to act on SAR and send me details of charges etc. They only have until 21st April tho!! In the meantime me and my husband are having a bit of a time with them over an apparently failed d-debit they have charged us £39 for. I say seemingly because the d-debit was not actually set up on the account at the time they say they couldn't pay it!! Now they are harrasssing us....phoning almost every day....because we are £72 (yes just £72!!!) over the overdraft limit and that is because of their charges I might add. We haven't used the account sonce Nov last yr, when we set up a parachute account. They were bleeding us dry with £300 of charges each month and no way of getting on top of things - we had to move our money away and start to recover financially. So you can imagine how angry we are that THEY have made a mistake and expect us to pay. The ovredraft amount is £672 and we just don't have the money to clear it. Once we get our charges back they can have their money and we're finished with them. My husband speaks to them when they phone and their latest tactic is to hang up on him (although they phoned in the first place!!) when he goes on about the mistake they made and the fact we won't pay them another penny more when they insist on 'stealing' it in charges. Anyone else had this strange treatment from them?
  4. OK, so I'll reply to myself cos am bored at work and still almost an hour to go!!!! I guess the Halifax really don't know what they are doing and don't even seem to be capable of keeping accurate records of what is happening with their customers. And I'm SOOOOOOOOO frustrated waiting for the damn info to come thru!!! I just want to get going on it! I guess it's what everyone else has experienced....... Debs x
  5. Well what a bunch of plonkers the Halifax are!!!!!! I phoned today in response to a letter we received a couple of days ago regarding the first letter we sent (that is the one I sent before coming to this site and finding out how to do it properly!). This is the second letter aout my original letter and it says that they are sorry they still haven't given me a full response to my concerns, but they will reply by 1st May. So as I haven't heard anything from them in respect of the SAR and £10 I sent on 12th March I thought I'd phone the no.on top of this letter (08457253519 - Customer Relations). WELL........can you believe there is nothing on file/account about the SAR I sent, but she said it might be still in the system and waiting to be logged. At this point I made her aware of the first letter I sent at beginning of March, to which I have had 2 replies......and GUESS WHAT??!!!! No record of that on system either! **&&???!! With that she put me on hold and spoke direct to the dept dealing with these things and then told me that they have had so many to deal with (aaaahhh!!!!) that there is a backlog and I will probably hear from them in next few days. I told her that if they don't send me the info by 21st April (40 day deadline) then they are in breach and will be getting the next letter from me anyway. What bunch of complete inefficient jerks!! This only makes me more fired up to take them for all they owe me....every last penny!!!!!
  6. Thanks Sea-side Lady. Just as well I asked otherwise I would be giving them extra time!! Still wish they would hurry up and send them to me!
  7. Oh right, so as we sent the SAR on 12th March , that would mean they have until around 21st April to act on our request, and not until 7th May as I originally worked out? Sorry to be a dimwit, but am full of cold today and brain is not working!!!!
  8. And another thing......... is it 40 WORKING DAYS or does it include WEEKENDS? Cos obviously this makes a massive difference....
  9. It is now almost 4 weeks since we sent the SAR and £10 to Halifax - no acknowledgement that they have received it. I know they technically have 40 days to act on our request, but why do they make us wait like this? I just want to get on with things! And what happens if they don't send the evidence of charges etc? By the way, I have phoned and emailed also in the last week and got absolutely nowhere - no one replies to me
  10. As I'm still waiting for Halifax to send details of all charges over last 6 yrs, I have started to record the charges I do know on the spreadsheet I found on this site. Gives me something to do whilst waiting! I just want things to get going! Oh and I have emailed someone in Customer Services Legal Dept asking why I haven't heard that they have recieved my request and £10 (of my hard-earned money!!) - haven't heard yet tho!! LOL! Debs
  11. Thanks so much, Aaronsdad. This is just what I was after! Will let you know how I get on! Debs
  12. Hi, I just phoned Halifax (tel. banking no.) as we haven't had acnowledgement of our SAR letter. I was told that Head Office will contact us in writing and that no, they don't have a direct tel no for Head Office. Just wondered if that is the case, or does anyone know of a tel no. for them, or e-mail address. I would like to harrass them until they deal with our request, the way they think its ok to harrass us. Debs.
  13. Hi again, well we had a reply to the first letter we sent (after I had looked on the MSE website) and it basically said that they have 8 weeks to get back to us - totally ignoring our 14 day deadline. I told my husband that from what I have read on this website (CAG) we have to disregard what they say and stick to our guns - it is WE who are threatening to sue THEM and therefore we call the shots. We also just sent a second (and proper) letter to them asking for all evidence of charges etc on the account. I know we've done it backwards but at least I know what to do now, thanks to this website!! Will let you know more. Debs x
  14. Thank you so much everyone - you are all so supportive. Am so glad I came here! At the moment I'm away from home and without a printer but I will get on to this properly the mimute I am back home. Need to let them know I mean business!!! Debbie
  15. Well, I read on the MSE website that there is no point in claiming for more than £6,000 as if it goes to small claims court they won't deal with more than that. I therefore thought that even tho I reckon they owe us somewhere in the region of £10-12K over the 6 yrs, there is no point in claiming for it all. But I will write and ask for all statements/evidence of charges - my online evidence only goes back one yr. But won't that look a bit daft seeing as I've already written once? Deb
  16. Thank you so much for your replies. I didn't think I'd get much of a response for a while! I guess the sheer numbers of people with success stories should reassure me that the banks really are just folding in when faced with requests for OUR MONEY back, but there is still that niggling doubt in my mind they will give us a hard time - probably based on how rubbish they have treated us up to now. But, this will give you a laugh.......for 3 months now we have had our wages going in to and all our d-debits coming out of another bank account - ie, NOT HALIFAX - and we have left the account with them open cos we still have overdraft (£600 - but mostly due to their charges anyway!!) and not the money to pay it off yet. BUT they don't seem to have noticed - and they certainly haven't asked us why we aren't putting money in to the account when there is an overdraft on it.....mad!!! Deb.
  17. Pompeydaz, good luck!! People Power!!!!! Debbie
  18. Hi Mo Well ,I'm pretty certain that the last 12 months were particularly bad for us and so I know its not £3,000 each yr! But I have put it to them that I am claiming for £6,000 - but have asked them to verify this within 14 days.
  19. Hi Pompeydaz Am not sure of the answer to your query,but just wanted to say hi as I too live in Portsmouth and have just set out to do battle with the Halifax. I'll be interested to see how you get on! Regards, Debbie
  20. Hi to everyone! I'm new to this site - joined up today. I read about you on the MSE website and thought I'd see what you're about. I'd really like someone to 'hold my hand' as I 've just sent off the first letter to the Halifax requesting repayment of my charges over the last 6 yrs. I sat down and worked out that over the last 12 months ALONE they had almost £3,000 (YES!!!!) off me...talk about daylight {edit}. And during all this time my husband and I have had several talks to the bank and asked them to help us get back on track as we could not cope with the constant round of charges each month. Of course our requests for help (as responsible customers) fell on deaf ears and we have been spiralling further in to debt. I really hate the bank for what they have done to us and I'm so so angry that they think they can charge what they like - and we don't even get letters posted to us any more - they are all online!! Anyway I was feeling brave until I posted the letter and now I'm not sure what they will do. We already have a new bank account up and running so they can't threaten us with closing our account. I guess we just wait and see now. Debbie.
  21. Hi to everyone! I'm new to this site - joined up today. I read about you on the MSE website and thought I'd see what you're about. I'd really like someone to 'hold my hand' as I 've just sent off the first letter to the Halifax requesting repayment of my charges over the last 6 yrs, and am now feeling a bit nervous! I sat down and worked out that over the last 12 months ALONE they had almost £3,000 (YES!!!!) off me...talk about daylight robbery. And during all this time my husband and I have had several talks to the bank and asked them to help us get back on track as we could not cope with the constant round of charges each month. Of course our requests for help (as responsible customers) fell on deaf ears and we have been spiralling further in to debt. I really hate the bank for what they have done to us and I'm so so angry that they think they can charge what they like - and we don't even get letters posted to us any more - they are all online!! Anyway I was feeling brave until I posted the letter and now I'm not sure what they will do. We already have a new bank account up and running so they can't threaten us with closing our account. I guess we just wait and see now. Debbie.
  22. Hi to everyone! I'm new to this site - joined up today. I read about you on the MSE website and thought I'd see what you're about. I'd really like someone to 'hold my hand' as I 've just sent off the first letter to the Halifax requesting repayment of my charges over the last 6 yrs. I sat downa ndw orked out that over the last 12 months ALONE they had almost £3,000 (YES!!!!) off me...talk about daylight robbery. And during all this time my husband and I have had several talks to the bank and asked them to help us get back on track as we could not cope with the constant round of charges each month. Of course our requests for help (as responsible customers) fell on deaf ears and we have been spiralling further in to debt. I really hate the bank for what they have done to us and I'm so so angry that they think they can charge what they like - and we don't even get letters posted to us any more - they are all online!! Anyway I was feeling brave until I posted the letter and now I'm not sure what they will do. We already have a new bank account up and running so they can't threaten us with closing our account. I guess we just wait and see now. Debbie.
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