GaryNI
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UPDATE Got my cheque in the end from Halifax for the PPI Claim I made, bonus Now as for the original reason i started the thread, i sent in a final letter to Halifax as suggested by citizenb in post67 from 13th June but still have I heard no feedback from Halifax nor have i heard anything from Moorcroft who i believe is now collecting the debt on behalf of Halifax.
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Once again thanks for your time and help. Ill get reading and get a letter drafted up.
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what sort of examples or if needed documents will they need for this to be done ?
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So they can use the PPI Claim to take off the outstanding balance of the card then. I did say to Halifax on the 23rd of May when i got the letter saying the amount that i needed the cheque to pay things off, like rent and other bills and this is why i wanted the cheque sent to me. I never got any call from them or gave any permission from them to use the amount to pay of the cards balance. They actually told me that i should expect a cheque within 28days
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another note i want to add is when i was on the phone with Halifax today they were saying that a call was made to me on the 25th May stating i give permission for the PPI Claim to used against the outstanding balance on the card. I can tell you now, that NO such call was made to me and i have never given permission for this, it is the opposite.
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will do and once again thank-you for your time
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Well thats not good, as i you know i have sent letters off for the late fee/overlimit charges to be refunded so therefore didnt want this PPI Claim to be also taken off the balance as i wanted to know the final outcome of the late fee/overlimit refund answer first. So is there anything i can do ??
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So i wont be getting the cheque then ??
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Quick Question: I found out on the 23rd May that the PPI Claim i made against this card was £xxx.xx and that within 28 days i will get a cheque, on the same day (23rd May) i made a call to the PPI Claims Department saying that i would not like the cheque to be used against the outstanding balance on the card. today i make call to find out any updates as i have not recieved my cheque. I now find out the the amount is going to be staying on the card without me agreeing to this even though i made a call stating i wanted the amount/cheque to be sent to me as agreed to in the letter i got and not to be paid of the cards balance. What should i do ??
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That letter you drafted is great, thanks. Ill update it with my details and send it off today. Ill let ya know when i get my reply. Many thanks again to you for your time and help
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Yes i did advise Halifax that i was in part time employment and that wages/payments go into my normal bank acc at random times over the month. I did try and suggest other payment dates as to match days when i had funds available but i was still charged late and overlimit fees
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Ok, thanks again for your help. I will have a read around at other examples and then decide. Ill let you know by friday what my next steps are
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Thanks, just found it weird that it would say since the account was opened. Ill have a read around on the forums at other examples and then make my mind up. Is is a good idea to contact Halifax directly and try sort this out before i possiblysend a ''letter before action'' proposal ??
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What about my reply in post #55 That is confusing also tbh
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had a read at that link you suggested i read and tbh i am still lost, the whole thought of court seems scary to me. Still so unsure as to what to do now
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This is what is confusing me, in the letter Halifax sent me yesterday they said ''Looking at our records, I can see you have defaulted on your account since it was opened '' Well looking back at the statements from the day the acc was opened which was May 2008, the first late fee charge of £12 didnt happen till Sep 2008, in between those months i was keeping up to date with payments.
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i have looked around and excuse me but i am unable to seek anything. I will go ahead and modify the letter i used in post #40 of this thread but i am unsure as to what to remove or add in, please help. many Thanks
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@ims21, i have read around some of the other cases on the forum and i will go ahead with the ''letter before action'' were can i get a template of this please ??
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I will have a read around. I do think Halifax are in the wrong for applying these £12 feees as at times i wasn't even in full time employment plus i had rent and other payments to make 1st. If i do go ahead with the 'letter before action' then were can i find one please ??
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When you say "Only threaten court if you intend to go through with it" I take it you mean there could be a chance i go to court over this ?? If so will i have to cover the my own legal fee's. Sorry if these questions sound silly, just the idea of going to court sounds bad, if you know what i mean.
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got my letter back from Halifax yesterday, here is what the letter said : Thank you for taking the time to contact us about your complaint. I'm sorry to hear you're unhappy about the charges that have been applied to the above account. I understand you feel the charges that have been applied are unfair. We believe that a charge of £12 reflects these costs. In 2006 the (OFT) carried out an investigation into the fairness of credit card contacts and in particular the default charges - charges where a customer falls outside the credit agreement for example late payments. We provided full details of our costs to the OFT at that time. Following their investigation, the OFT said it wouldnt take further action where charges were set at £12 or below. Looking at our records, I can see you have defaulted on your account since it was opened. All these were detailed on your statements, along with the fee charged each time. However, because of this, we had costs which need to be recovered, and therefore believe we're justified in applying the £12 fee. An example of when your minimum payment wasnt received by the Due Date, would have been Nov 2010 and Apr 2011, unfotunately this meant we had extra costs in managing your account. My records show that your account has been with our collections Department in the past. As well as the messages and default notices on each statement, we make every effort to contact a customer by telephone, letter and text to try and provide support. By doing this we'd hope that repayment plan could be agreed that both parties would be happy with. Each attempt to make contact does increase the costs of managing your account. I've completed my investigation and i can see that we havent applied charges of more that £12 to your account. Based on the the independent review of our costs, as mentioned above, we believe that all charges we've made are fair. Regrettably therefore, i cant offer you a refund. I realise my decision may not be the one you wanted, but i do hope that you understand the reasons for it. I've also enclosed a copy of our complaints leaflet which gives you these details and if you wish you can also make conact with the FOS for assistance. This letter can be accepted by them as a final reply. Yours Sincerely Halifax so, whats next anyone ?? Also, i dint understand the bit in the letter that says ''I can you see defaulted on your acc since it was opened''
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no letter from Halifax but got a letter from Moorcroft yesterday, this is what it said - RE: HALIFAX We acknowledge receipt of recent correspondence with regards to the above account. Please be assured that your account is now on hold whilst we investigate this matter further with our client and that we will communicate their repsonse upon receipt. In the meantime if you require any futher information or assistance please do not hesitate to contact us on the above telephone number Yours Sincerely
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letter to DCA posted recorded delivery today and letter to Halifax posted recorded delivery today...also found out that i won the PPI agaisnt the same card that i am claiming the late fees and overlimit fees against and was told that ill get a cheque soon
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Thanks, really greatful for your time and helping me out. Ill post the letters off this afternon and await the replies
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so it looks like this now then, ?? Claim Letter2.pdf
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