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lw-d

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About lw-d

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  1. bookworm, I salute you. Thats great, makes me feel better about the whole thing. Thanks again.
  2. Hi all, I have the letter all ready to be posted, my problem is that I do not have any hard facts relating to terms and conditions of a bank account, and the charges applied (like we have with credit card charges). Since they have used this as the primary reason for taking the matter further, I am a little concerned that I probably should. Is there something I have missed, again, sorry if this is the case, I just want to back up my claim with some reference to bank account charges, as oppose to credit card. Thanks for any help.
  3. There is information in the template that refers to credit card charges, obviously I take this out (the OFT reference), is there anything I should include in relation to regular bank accounts? I did a quick search but couldn't find anything specific to just bank accounts, apologies if looking in the wrong place. I just want to put together a follow up letter that corrects the reference to OFT but backs it up with why they shouldn't have charged me for penalties on my bank account. Thanks
  4. Cheers, I certainly will carry on with this. Apologies for several posts, I had my old email registered for forum notifications, I have updated this now, so I can keep on top of it. Thanks for everyones help, I'm just preparing the follow up letter now.
  5. Thats me told. Thanks for the advice, I guess I should invest more time in this. Thanks
  6. This was their response to the breakdown of charges that I posted to them, here is the initial letter I sent, sorry for posting in full, I'm just not sure what to do next: My request [template deleted, please don't post templates on open forum] I calculate that you have taken £1839.50 plus £317.25 which you have charged us in overdraft interest for the sum which you have taken. Total £2156.75. I am worried that if I sent one of the templates again I will include information not relevant, then they will not take me seriously. Is the procedure different for bank accounts, do you guys have claims for bank account charges? Thanks for all your help.
  7. Hi all, I am again close to giving up on this, I received a letter from the halifax that states the following: Your Bank Charge: Thank you for your recent complaint about the charges which have been applied to your account. I am sorry you are unhappy. Our investigation: I have carried out a full investigation of your complaint and I am satisfied that the charges have been correctly applied to your account. This letter explains the reason behind my decision. Why you have been charged: When you opened your account, you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the terms of the account. From time to time, we have also sent you information about the current level of charges. This information formed part of your agreement with us and we have applied them strictly according to the terms of the agreed. We apply these charges because when customers have insufficient funds in their account to cover a payment they have asked us to make, this means additional work for us. As a result, we feel it reasonable to charge for this service. You referred to the guidelines on credit default charges issues by office of fair trading (OFT). As the guidelines do not apply to bank account charges, I cannot comment on it in connection with your concerns. The guidelines are about default charges which people must pay they break the terms of a credit agreement with a lender. As previously explained, the charges that you are asking us to refund are our fees for the additional work that we carry out when a customer requests a payment without sufficient funds in the their account. The letter goes on to page two which basically gives a rundown of their charges. I realise now that I have incorrectly quoted OFT, which is in relation to credit cards. As a regular bank account holder, do I have a right to claim the charges they have issued? Thanks
  8. Thanks, was just wondering if there was a template specifically for this occasion, I will amend the text.. thanks.
  9. Thanks for the reply. I have taken a look at the next document in the template library (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/) and the next letter I should send doesn't really fit in with how my claim has gone, at this stage, they have not ignored my request, they have simply stated that they will not pay. Which document should I send as a follow up to this? Thanks for your kind help.
  10. Hi all, I have sent the second letter to the Halifax, basically saying that I have calculated that you have unfairly charged by x amount of pounds and I am claiming it back (using the CAG template of course). Last week I received a letter that basically says that the charges are correct (I can scan the two pages in if it helps). Not only does it say that they think the charges are warranted, it says that it will continue to charge me this way. Arrrghh, help. Thanks
  11. just got an email back saying they will refund £20 from the cost of the product.
  12. I have actually got in touch with the delivery company again who admit it was there fault and that they can deliver tomorrow, this is much better for me... but a wasted day
  13. Hi there, I was wondering if I have a claim loss of earning because of a failed delivery slot, not to mention the inconvenience caused by this. Basically, I was received a call from dell asking for a delivery slot for today (AM or PM), I asked for AM and took the day off work just in case. It got to 13:50 and I still hadn't received any knock at the door. I then got in touch with the delivery company, who explained how dell hadn't dispatched the product and that is was their fault basically. I then rang the Dell complaints line, at which point the line went very dodgy, even worse was the advice, basically, they said that it will take them 4 hours to get in touch with the delivery company to arrange another delivery slot and that it is going to be next week now (another day off work). So, I was just wondering if there are grounds for me to put in a formal complaint based on the above information? Thanks
  14. Do you have to claim the 8% apr? Thanks
  15. Hi all, in the Preliminary Approach for repayment letter it says that I will enclose a schedule of the charges which I will be claiming. What do I include in this schedule and is there a template to use? Thanks
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