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Thankyou for putting my mind at ease

Hi hope someone can put my mind at ease as i am helping my brother cliam back his money as i have already successfully re-claimed mine from the halifax.I am at the stage were they have made an offer but the offer came from a solicitor rarther than from the bank and just wondered if this was normal procedure with the yorkshire bank as this didint happen with the halifax it came from the bank . Cheers for any help

It's six days before the 28 days is up and i have just checked my Halifax Account online and to my shock and complete suprise a sum of £1800 has been put in my account by the nice people of the Halifax .So in short they have paid me the full amount plus all the interest i was asking for . So i would like to take this oppertunity to say a big THANK YOU to the people who run the site and give up there time to help others and would also like to thank any one who offered me advice and support in my ongoing struggle for justice . HAPPY DAYS

i may be going slighty mad but is schedule of bank charges just a list of dates and charges ie late payment over limet charges cause that is what i have sent and am now beginning to think i have done something wrong .Please tell me i have'nt .

when you say on the schedule you enclose is that like just a list of dates and charges etc or is something totally different ?

Just recieved a letter of Capital One one day before there 14 day limet was up saying that there charges are legal but as a good will gesture they will lower all the charges i had got to £12.00 and would give me a £348.00 refund , so i asked for £ 1070.00 and they offer £348.00 sorry but its a will take the 348 but still require the rest before a claim is issued letter being sent now ............why do they play thease games just give me my money .

I too recieved a quick response from Miss Blunt and then a week or so later recieved two very full a4 envelopes with every piece off data they held on me and all my statements which i quickly went thru and sent back my L B A letter which she now has 7 days to reply to ............. the clock is ticking Miss Blunt .

Statements sorted and i am owed the sum of £1070.00 plus interest so i have sent my L B A and they have till the 14th to reply so heres hoping for a quick and speedy settlement .

Just submitted my claim using moneyclaim so i guess i just sit back and hope for the best . Gotta confess though do feel kinda nervous now cause it all seems very real now .

I am now at the stage were i have had offers on both accounts and i have agreed to accept them both as part payments but i will require the rest of the money owed and i have now recieved a letter saying sorry that you felt our offers to refund some of your charges was'nt accepted but we will wont be paying all your charges back . So i guess now i go to money claim and take it from there . Just a question on moneyclaim is it straightforward to fill in and is there anything i should be aware of ? thanks morleywhite

Thanks for that , will just put them on one and yeah they add up to less than £5000

Just recieved the two biggest envelopes full of statments and other stuff ( which i don't fully understand) so i will sit down work what i am owed and start the process . are the charges down as late fees on the statement ?

Hi hope some one can help me with this as not 100% sure what to do , i have two accounts and am in the middle of claiming on them both they are both now at the same stage of having money offered but not the full amount so i have said i will accept the money as part payment but will make a claim for the rest , now here is were i am struggling can i claim for them both at the same time or do i need to go into money claim and fill the form out twice and make two £30.00 payments . Thanks for any advice given morleywhite

The thing is i have already sent a LBA to her so if i send another practically the same wont it look rarther wierd.

Does this look and sound alright before i send it my address Halifax Plc Customer Relations PO Box 548 Leeds LS1 1WU 8/06/2006 Dear Elaine Brown ACCOUNT NUMBER : REFERENCE NUMBER : Thank you for your offer dated 7/06/2006. I do not agree to the terms of the stated offer on the basis that it precludes me from reclaiming any further unlawful charges applied to other accounts held by me with the bank. If you are prepared to remove that restriction I will be happy to accept the amount of £340.00 as settlement of the claim for penalty charges against the above numbered account ONLY. I will give you 14 days to reply to my request before I will begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully,

Thank you very much for your time and help on this matter it really is appreciated. thank you morleywhite

Does anyone know how to word such a letter as not very good at his sort of thing and really dont want to mess it up as i have got this close to getting my money back . thanks in advance

Just recieved another letter "saying sorry you was unhappy with initial offer of £100.00 blah blah blah , however to reach a amicable soloution to your complaint i am prepared to offer £340.00 in full and final settlement " now this is great as i was only asking for £190.00 back on this account but this is were my problem begins ,to accept this i have to sign a form saying i accept this as full and final settlement of my complaint regarding bank charges on any of my halifax ACCOUNTS , now this is my problem as i am currently trying to get just short of £1500 from another halifax account , obviously i want to get the money offered for the first account but dont want to ruining my chances on other account .Does anyone know how i can accept the money and still carry on my other claim . thanks

I just added this to my L B A letter on the ( date ) you made me a full and final offer of £273.00 .Unfortunately i find your offer of £273.00 totally unacceptable as full and final settlement, although i would accept this as part payment ot the charges levied towards me . hope this helps and keep going you will win .

Thankyou for your help , i can now continue my fight for justice and the little man

Hi hopeing that someone can point me in the right direction with some advice , i have recently asked for my charges back from the halifax and so far everything is going to plan ( been offered half back as forum said i would ) so i am now gonna go for my capital one charges back but am unsure of which letter to send first as i require a list of charges or statements back and the letter in the libary just looks like it's for banks ( have seen the credit card one asking for the money back when i have the figure i require) so if anyone could help me would be very gratefull and sorry if this is a silly question but have looked and looked and just not sure what to do .Oh and does any one have address for capital one as i dont have that either . thank you

Just a quick update on my struggle for justice , i have sent a letter back saying thankyou for the offer of half which i will accept as part payment but i still require the other half or legal action will be taken . So here's hopeing on a quick and easy settlement . "I have fought a good fight, I have finished my course, I have kept the faith." Bible, 2 Timothy iv. 7.

To just give a quick update ,just had another letter offering me half what i requested as a " GOOD WILL GESTURE " so once more into the breach i shall go in my fight for justice ( and more money ) .

Hi hopeing that some one will be able to help me or have been in the same position and have some friendly advice .I have recently sent the DPA letter and in the time scale recieved my statements and then worked out what i believe i am owed and sent the request in money letter back and in this letter it says will give them 14 days to respond , well they responded 5 days later with a letter that says dear morleywhite Request for Repayment of charges i write to you regarding your recent complaint. i would like to make you aware that your complaint has been acknowledged and is in the process of being referred to our customer relations team. You will find enclosed a copy of our complaints leaflet . Your concerns will be dealt with as quickly as possible, but if you need to speak to me in the mean time please contact me on tel:............... Now what i want to know is if this is a standard letter and how long do i wait for them to get in touch before i get in touch with them . thanks in adavnce for any advice