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About paulmarlow

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    Basic Account Holder
  1. This topic was closed on 03/05/19. 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 their. 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
  2. I agree - No mystery. Thanks, Bank Fodder.
  3. I received the following response (by letter) from the Halifax today: "Dear Mr Marlow I refer to my letter dated 13th February 2006 and your further correspondence dated 22nd February and 23rd February 2006. I write to advise you that I am unable to comply with your request for a refund of your bank charges over the past six years. As requested, I confirm that I have made a request to our Customer Service Centre to forward details of all charges incurred on your above numbered account during the last 6 years, which you should receive within the next 7 days. Your cheque for
  4. I wrote the second, amended, follow-up letter and sent it to the Halifax by Next Day Special Delivery: "Paul Marlow, MY ADDRESS 21FEB2005 Halifax Plc 87/89 Wandsworth High Street London SW18 4LG WITHOUT PREDJUDICE Dear Branch Manager, ACCOUNT NUMBER: Account No As you are aware I wrote to you 07FEB2006, which you kindly replied to on 13FEB2006. As promised in our subsequent discussion today, I am writing to inform you that you have 7 days to refund the money in full or I will start legal proceedings against you for full recovery as outlined in the
  5. Is there any reason TO tell them. They never told me that their charges were illegal, so I see no reason to tell them about the Bank Action Group. Maybe if some of them saw this site, they might act to change the law, make everyone accept new terms & conditions, or some other thing. Besides, they might actually improve their responses, and if they can see all this and we can't be at their meetings, then the advantage would swing back to them once more. Besides, I've always been taught that volunteering information unnecessarily is the quickest way to get into trouble. I
  6. Maybe its a standard line to illicit information. I just said that I had put it off because I had never gotten round to it until now. I wasn't drawn on where I had gotten the information. This is a question for Dave: I've said I will send the Reminder Letter. Should I wait until that 7-day period expires before launching into the Court Proceedings. I think its fair and best, but is it wise?
  7. Dear All, I phoned my branch of the Halifax to find out what their response or progress was. The letter or response they had sent me (A Type 1 - "Sorry you're not happy, we'll get back to you sometime in the next decade"), as copied in the original post on this thread, had given me the Branch Managers telephone number. The conversation revealed that they had started a 4 week period of investigation, and the manager has requested further information and print-outs from the Business Centre. The Bank Manager did not know about the technicalities of this matter, but assured me that
  8. Dear gothicf0rm, It keeps all of us going until we win the Lottery.
  9. Oh, I wouldn't worry about it. I actually liked the letter and I think the overall strategy was sound. I expect that the Halifax will bluster and prevaricate as much as they can. I could easily see an exchange of annoying and time-consuming letters as they wriggle on the hook, seeking a way out. I believe that this letter will help cut out a lot of that nonsense. Bank Fodder, you are undoubtedly correct, but I have always found with institutions that if you don't lay out everything at the start then they will complain that its unfair and seek to overturn it that way. That is, unless
  10. Sorry. I wrote: "MY ADDRESS 07FEB2005 THEIR ADDRESS WITHOUT PREDJUDICE Dear Sir, ACCOUNT NUMBER: XXXXXXXX I have held the above mentioned current account with your bank for the past 6 years. During this time I have incurred charges for exceeding my overdraft limit due to cheques being cleared at unfortunate times, unauthorized overdraft fees, direct debits and standing orders being dishonored (and in some cases honored) due to insufficient funds. It is my opinion, and that of the Office of Fair Trading (OFT), that these charges are punitive in nature, no
  11. Hi All, I have been pursuing my bank and it has been seven days since I wrote to them. 8) They received my letter last Thursday. I had sent it to them by Next Day Special Delivery. I had used the letter from this forum. I got a reply dated 13FEB2006: "Dear Mr Marlow Re: Roll No. Dah-De-Dah Thank you for your letter dated 7th February 2006, together with a cheque for £10.00. The contents of your letter have been, duly noted, and you will find a copy of our leaflet which tells you how we will handle your complaint. Your concerns will be dealt with as qu
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