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sharkbait

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About sharkbait

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  1. Thank you for the helpful advice on the letter. I really do appreciate it. I do agree with you that your comments sound a bit harsh. I feel deflated by them and to be honest have felt deflated everytime I come on this site. I have read lots of other threads and have seen all the comments and help those people have received. Whenever I ask a question, I am either ignored and have to ask again or get a response like today. I started coming on this site because I could see all the wonderful advice other people have been receiving. There is a lot of advice on here and sometimes it is difficult to find what you are looking for. In fact since receiving your comments I have been to the FAQ's and still could not find the letter that you have quoted for me to use. This may be because I am impatient or maybe that there is so much to read that it is hard to find. I hope your comments have not put other people off using this site but I think it's the end of the road for me. I am going it alone.
  2. Hi, I am still confused about what kind of letter i should be sending. They have offered me a "Goodwill gesture" of £158, nowhere near what we are due. The letter that that i was advised to send rejects that offer completely. the reason I am confused is that I am sure that I have read somewhere on these forums that you should accept the offer as PART PAYMENT and ask for the rest. Is this the case? Also, if you accept it as partial payment but still have to go to court do you have to claim for the total amount or claim for the amount minus the goodwill gesture amount? Thanks for taking the time to help
  3. Hi Yesterday I had a letter from the bank offering me £158 goodwill jesture. They actually owe £1800 ish on 3 accounts. I have read some forums previously and understand the best course of action is to write an accept this as part payment. Is there a letter template for this? Or any specific wording that will help? Thanks everso much for your help.
  4. Hi Does this mean that I can put all 3 claims onto 1 court claim even though one has my name on it, one has my name and my partners name, and one has my partners name only on it? Thanks
  5. My partner and I are trying to claim on 3 accounts. I sent the 2nd letter to them saying we would take them to court in 7 days. All 3 letters were sent in the same envelope. My partner got a letter back very quickly saying that they didn’t think they were unlawful so go away! I received a letter for my account and our joint account saying they were passing this onto a Customer Relations Manager to investigate and that they would get back to me within 4 weeks. How do I stand with starting court action now? I wanted to do all 3 accounts together. Should I start off my partner’s court case and wait another 4 weeks to do the other 2 accounts? Any help would be very much appreciated. Thanks for taking time to read my plight. HAppy Christmas
  6. Well i posted 2 letters asking for our money back, one from my account and the joint account and one from my partners account. My partner received a reply today from the Halifax stating "that under the Terms & Conditions of the account the Halifax can levy charges when there are unsufficient funds in the account to cover the items which are presented for payment. We trust that customers understand these terms and conditions when entering into this legally binding contract with us. Unfortunately I am unable to refund any charges on this occasion as there has been no error on the part of the Halifax." I am just waiting now to receive a similar letter in response to my claim. I take it that my next step is to write back to them saying I will take them to court? This is getting very scary now!! Why is it so scary to ask for your money back? And why do they not give the same response to everyone? Very frustrated and nervous Sharkbait
  7. A list of charges arrived today for my account, my partner's and my joint account and my partners own account. Can I include all 3 accounts onto one spreadsheet or do I need to treat these as 3 seperate claims? Does this mean if I end up going to court I have to pay 3 lots of court fees? Thanks for taking the time to read and thanks for any help.
  8. I am really sorry if some of you have already read this but I didn't get any responses and could really do with some advice.
  9. Hi there Last week I sent the following letter to Halifax as advised on the forums because they have not sent me my statements within the 40 days but have cashed my £10 chq. However, the time is looming for the 7 days in the letter to be up and I am getting really really anxious. What will my next step be? I guess I have to apply to the court but am scared of this process and really don't know what I am doing? Any words of wisdom out there for me? Sharkbait Dear Sir/Madam Account:evil:xxxxx I have not received a response to my Data Protection Act information request dated xx September 2006.. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully,
  10. Hi there Last week I sent the following letter to Halifax as advised on the forums because they have not sent me my statements within the 40 days but have cashed my £10 chq. However, the time is looming for the 7 days in the letter to be up and I am getting really really anxious. What will my next step be? I guess I have to apply to the court but am scared of this process and really don't know what I am doing? Any words of wisdom out there for me? Sharkbait Dear Sir/Madam Account:evil:xxxxx I have not received a response to my Data Protection Act information request dated xx September 2006.. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully,
  11. Thanks for your help, i don't suppose any of you know how i can change my user name?
  12. Hi I sent the first data protection letter to the Halifax on the 18th September recorded delivery. This was signed for on the 20th September and my cheque for £10 was cashed. As yet I still have not received anything from them. Am i supposed to wait 40 working days? I had worked out that the information was due to me on 30th October but am now not sure. Please help me
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