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  1. Hi, thanks for that i already have all my statments, my wife keeps everything,can you tell me,do i send the letters to halifax, or to blair oliver an scott, thanks
  2. Hi like many people me an the wife got ourselves into debt, and we used a company to help us cope,(spectrum) this was a few year ago, and i am still in the arrangement now... the interest etc on the card was stopped until around 9 month ago when they said they dont agree with spectrum etc, then started adding late payments. charges etc... the amount of £12 charges which they have added has now made the total we owe back to what it was years ago, it has now been passed to blair oliver an scott,,, can i still claim the charges back... thanks
  3. Hi, hope this helps... i sent off the cheque and request, it took them over a month to cash chq. then they sent me 1 a4 sheet of paper with only my charges on, that was on the 45 th day, i then phoned them and said this is not what i asked for, they said they was really busy because if the requests... 1 week later i got 17 envelopes through the letterbox with all my statements.... i think you should phone them
  4. Hi this has just been passed to me, dont know if its been posted already but have a read.... BBC NEWS | Business | Bank's overdraft charges upheld
  5. Hi thanks for the replys, but is it ok to send as i have shown. is that how it is normally claimed back, or is it just added onto total
  6. Hi, When filling out this letter, where it says What I require I calculate that you have taken £XXXXX etc...... i want to include my 10.00 SAR fee do i add it into the total and put a note on, or do i just add it, i dont want them draggin there heels anymore. and was thinkin if i just add it and it doesn't match their records they might start takin the howard again... somthin like this What I require I calculate that you have taken £XXXXX plus £10.00 S.A.R Fee Total = xxxx.
  7. well this is what they said.... we are really sorry for that, WE PRESUMED you wanted to claim your charges back, so to make things easier we have sent you a list of what info you needed... i said that is fine, but i have asked for my transaction history, i have paid 10.00, you have taken it, i have not got it Sorry we will get them out... i have sent a non compliance letter...... .. it then went quiet....... i fully apologise on behalf of the halifax, it was a wrong box ticked that's all, we will make sure you receive what you have asked for..
  8. Another thing, i'm still tempted to ring them,, as they told me 10.00 for statements, 5.00 for data, i'm gonna do it now
  9. Hi, i was tempted to ring them, but why should i waste my time, i've rung them 3 times, anyway i've sent the non compliance letter, i've had enougth of them
  10. Hi Well i got somthing, can anyone tell me if this is the norm, Yesterday i had delivered a couple of A4 Sheets of paper, 1 of them with my charges on, not my statements , not my history, etc. Obviously that is not what i asked for, has this happened to anyone else. Thanks
  11. on fri, i was too busy to sort the non compliance letter out, so today i got it all ready ,gonna post it when i was on my dinner, then i thought i'll phone them. i spoke to someone in customer relations, just got the num off their web site, I couldn't beleive what i was hearing, i actually spoke to someone who was not in defence mode,, this guy fully apologised to me about it running over the 40 days, he said he would reorder my statements, and email the dept and try to find out why i had not got them , but did say because of the volume of people claiming they were busy, it helped that i had gone down the right channels as he wanted to know if i sent it all recorded, i had proof, when the cheque had been cashed, etc, then he said,sending a cheque for 10.00 is too much and people should be only sending 5.00, as this is what the halifax charge for Data , he would try and get 5.00 refunded to me,, I NEARLY FELL OFF MY CHAIR.....
  12. thanks for the replys, like you rebe my chq was cashed around 3 weeks ago, it is frustrating, but you know it's like waitin for christmas.. i'll send non compliance letter on fri, i will keep my thread updated thanks
  13. Hi, sent SAR letter off recorded,have proof,and with chq, which has been cashed,, no statements yet,, 40 days up on Fri. i emailed halifax first , no surprise,no reply... so i thought i'll ring them, spoke to a guy in customer relations, who has told me that the 40 days is 40 working days. is this correct please can someone confirm this or will i be sending them the non compliance letter.. thanks
  14. she was ok, i did feel like i had to justify why i wanted my money back, also she threw a couple of statements in like " you do know that the ruling has not been judged on bank accounts, and only credit cards" . blah blah,, i was rockin a bit,, but stick in there an she'll crack
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