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HELLOHELLOHELLOHELLOHELLOHELLO? LOL

Sorry for the thread hijack, but are some folk calling this Steve Bailey fella and getting their charges refunded before they've even requested their lists of charges? If so, could somebody please give me his number, I wouldn't mind having a chat with him, cut out the middle-man so-to-speak. TIA

Ooops, sorry for the DP. Forgot to mention, i've not put that I am declining their offer of £169 as F & F S, is that fine? Will they presume that I am knocking them back because of this letter? Keep your

Right, well it looks like I made a right mess with my LBA, good job I didn't send it. Barracad, cheers for deleting it. So here's my new version, basically it's the template that is provided by your goodselves, all i've done is take out the optional bits because to the best of my knowledge I haven't been given a default from the Halifax. So here goes, please tell me if it's ok this time round.... Halifax PLC Trinity Road HX1 2RG LETTER BEFORE ACTION July 18th 2006 Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxxx I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £1112. I am enclosing a copy of the schedule of the charges which I am claiming. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully, AdO Everybody be this is a robbery

Lol, this is funny, my confusion has confused you! Well on the letter that I put further up this page, on the first line I wrote... While I appreciate the offer of £169 as full and final settlement of my claim I feel that I am unable to accept it. Then you put... "I think they file the letters rejecting in the bin. They never seem to get much of a response and never seem to get the interim payment or formally withdraw their offer" So i didn't know whether you meant that the letter was ok or not? Thus the confusion began.... Please don't be pi$$ed with me for asking so many Q's. Ado, feeling like a simpleton and choking for cold one. as a cucumber

Sorry to sound like a div but I didn't get that at all. Do you mean I should alter my letter or not? AdO, one very confused man.... :cool:io

Cheers dude. I'll be tottling of to the bank tomorrow to hand it in personally to one of the spotty faced oiks that graces me with their presence. 8-) and the gang...

bump help me please.....

Well, I received a letter from the Halifax last Saturday but due to the busy week I've had, I haven't been able to do anything about it. Basically it's the same crap that everyone has been getting .......we are sorry to here you have a complaint.....its up to you to manage your account.....we will continue to levy these charges on your account if they occur in the future blah blah blah....... Anyway, from my claim of £1112 they offered me £169 :o I've done this letter this morning and would like to know if it's ok, if not, what can I change about it??? TIA Halifax PLC Trinity Road HX1 2RG July 13th 2006 LETTER BEFORE ACTION [deleted] - Letter templates are available in the templates library for registered users only. AdO 8)

***UPDATE*** Just to keep ya'll up to date with my progess, I received my statements on Friday (all 28 envelopes), and after about 45 minutes and countless papercuts later I was ready to get my Voderman head on and start counting. £1112 What a bunch of [edit]!! I'll be sending off my request for repayment letter this afternoon, fingers crossed! So hopefully, very soon, I'll be receiving a cheque to the value of £1112 courtesy of Halifax. It's all very exciting... [MODERATED: Please do not post libelous comments on this forum]

Hi all, first of all I'd just like to say how great this place is and thanks. Even the prospect of getting something back from these [edit] banks has made me feel better about my financial situation, so it's good start already. I've just been and hand delivered my request for statements/charges to my local branch but unfortunately they wouldn't give me a receipt (well at least I know they've got it). So now does this mean I give them 40 days from today to supply me with this information? Sorry to seem dim but i'm new to this 'taking money from the banks' game. Wish me luck... PeAcE:cool: [MODERATED: Please do not post libelous comments on this forum]