This topic was closed on 11 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 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

During an early stage of the claiming process has anyone thought about or gone ahead and "suspended" or closed their account? that is to say open a new one and just make some payments to the Halifax account to reduce the overdraft? in effect it keeps it open but you stop banking with them?

thank you mercedes! given the fact that they cannot even get my statements to me yet I will go with email as the option I think, although as they are so obviously inept at dealing with one request and keep sending me duplicate letters and not actually actioning my request! maybe when the time comes they will pay me back twice........

Monday 22nd May 2006 I have received yet another Letter from the Halifax.........Thank you for your recent request, blah blah blah.......yours sincerely Janelle Birnie (oh please) printed signature...... anyway they are acknowleging my request again, I am now getting p'd off with them......its my third. I have already received some statements! onwards and upwards.:-|

thanks ! I will keep you posted, once I have decided on which way to go.........I am still waiting for the previous 5 years statements, they only sent recent ones so far. marvellous.....

its a good point. thank you. but - I work in IT by the way, an automated reply can be used as evidence as accepted correspondence and as a date stamp for starting processes rolling. having dealt with FOI and DPA requests at work for those people who have nowt better to do!!!! I am wondering if maybe technology can be used as a fast track to successful claims.

In todays world what is the benefit of using recorded post for letters as opposed to sending emails with attached letters to make claims? is there anyone who has had a quicker success with using electronic means to make their claim?

Just checked my online banking today, they have taken the £5 for the statements out (which is ok i prefer them too) but this has sent me over my overdraft limit by £2.23 (I pretty much use the account as a bills account so most of the monthly income is accounted for) I wonder if they will charge.....? They had originally said that the charged would be waived.......at least they accept the original request now......once the remaining statements arrive its action time! happy hunting people.

I had a lengthy conversation with halifax over their policy on processing cheques.........I am told "when you write a cheque it is cleared immediately the date it is banked by the corresponding bank".....ie I give a cheque to a school for music fees for my son for £78 2 days before pay day, the school banks it the next day and it clears immediately from my bank, over the odraft and £30 charge......so I challenged them why it is that when I pay a cheque into the bank it takes up to 5 working days to clear into my bank? even when the cheque i receive is from a halifax customer..........they were not able to answer my question........so people my advice is be very aware that the banks do their own thing..........now I will think of something to tell you that we dont already know. Power to the People8)

so no additional statements have arrived today, so a phone call has been made to Halifax, spoke to a nice, confused man, who said the letter acknowledging my request has been posted yesterday, erm no I received 19 months statements already..............so he says, "oh I see so , oh what I mean is the statements are all posted yesterday, ALL 6 years worth........ok so why have I received the last 19 months worth this week? ........ "not sure sir, admin error" sigh..........and I have still got hope of getting my money back? I guess on a positive note at least its being dealt with.

in total 15 months worth arrived totalling £341 in charges excluding interest for that period Oct05-May06...........I guess I have a few envelopes left to arrive!!!

UPDATE well the door was wedged with 10 envelopes today, statements have arrived, some from 2004, some from 2006, some from 2005, but its a start, I am a bit disappointed I didnt get my envelope with all of them in, is this delaying tactics? or should I expect the rest in the next few days? I am just about to start calculating what I have to date, fingers crossed the rest arrive in the next 2 days (as promised) but I will not hold my breath. onwards and upwards

Congratulations!!!!!!

Just had a look at one of my recent bank statements, its quite easy to work out what you were overdrawn for , but will, depending on the time it takes! be worth the trawl through, I cant help other than that. good luck:rolleyes:

So the Halifax have not turned up with the goods.....the statements have yet to arrive even though these have been promised to me by a very pleasant "Karen from Motherwell" - who wont give me her surname who is speaking with Glasgow Business Centre whilst I hold......they have waived my charge for request, I have insisted they take it anyway.......More conflicting information from "Karen from Motherwell" though, they should not have told me that the statements should have been with me by this week as they normally take up to 10 days to process.....funny that, I have explained that my intital letter was sent over 10 days ago and I had a letter (standard) acknowledging the request a week ago............Just been told that I will have them by next Thursday now (an additional 4 days wait - excluding the weekend!) their excuse: they are extremely busy with similar requests right now! funny that! Question: without knowing a figure how do I tackle them once the deadline is "missed" next week?? advice please:cool:

best of luck cheekyvodka. i look forward to hearing how you get on. my statements are due this week.......go get them kiddo!

Thanks. I take on your point about making a verbal request, however given that I also deal with such requests in my profession, verbal ones have to be treated as any other under the FOI Act - Halifax are clearly not aware of that....... I will now prepare the template request as advised for when the information does not arrive by next week!. many thanks.

well given I received a letter saying mine would cost £5 ............ why should you pay £10?

Best of luck, just started my claim too, you may want to take advice on closing the account though.........keep us posted neil:rolleyes:

Until I got divorced I was very good on the old finance front (honest), however what with one thing and another things slipped and having changed to a single account with Halifax I seemed to be doing ok, money was tight etc but I was alright until Halifax charged me for going over an overdraft by £1.25 and thencharging again for not paying money in within 7 days etc even though I had called them to ask to increase my overdraft by £50 before they let me go over my original OD........subsequently the following month I was always £60 or so in arrears and yes you guessed it Halifax charged me accordingly! ok so some would say deal with it and get on with it (which is what I have done) but had Halifax been somewhat flexible in the first place charges can be avoided....... I have now started the ball rolling with trying to claim the money I am owed back (estimated £3450) I made the request (using the FOI act as a lever) and was promised that this can be done "but it is a lot of work for our business centre who will have to go into the archived system Mr Langford" (my heart bleeds).........and I will receive the statements within the post within 4 weeks....Ok so that just fits in with their obligation under the act.......so I agreed to pay £5 to have the statements........then a letter arrives 5 days later saying if I agree to the payment of £5 then they will proceed.......ok so I called again to say I had already agreed this..........."thats fine we will process that now for you and you will hear from us in 4 days"........wow 4 weeks is now 4 days, I like consistency..........7 days on I call back (today) spoke to Ian Farmer from leeds, very helpful, the £5 has not been charged, but they will put the request through AGAIN as there is no record on my account (even though i have a letter confirming the request!) but they will waive the £5 on this occasion for the inconvenience.......oh thank you halifax.........I reminded Mr Farmer that Halifax is in breach of its obligation under the FOI if i do not receive my documents within the next 7 days, he assures me I will have "a nice big brown envelope with 6 years statements by Thursday next week at the latest"....... Does this sound familiar to anyone else? Advice and assistance in anticipation........I will keep you posted on developments..........8)

Under the Freedom of Information Act we are all entitled to ALL information stored about us - but hey you all know that.......I explained this to the bank again today........ they are 5 days away from failing their duty under the act....they have also charged me £50 for going over my odraft by 1.25. i am taking them all the way, once they get their sorry asses in gear and tell me how much they owe me back in charges. also I have also asked for a total, not the full copies of statements........and I have also written to them advising that I will be charging them for my letter and I expect the money to be credited to my account within 7 days or will be charged a further £28 if they dont........i wonder if I will get paid! MOD NOTE: THERE IS SO MUCH WRONG WITH THIS POST THAT I AM NOT EVEN GOING TO TRY AND RESPOND - SUGGEST IF POSTER WANTS ANY ADVICE THAT A POST BE MADE INTO A NEW THREAD UNDER THE CORRECT FORUM!