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sambo23

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Everything posted by sambo23

  1. Yep, you can claim on closed accounts.
  2. Yes. The point of claiming is that the charges are excessive, not that you shouldn't be charged. Hope this helps
  3. Hi there This may be a dumb question but I've had a look and can't find a concrete answer. I know you are required to wait for a calendar 14 days from when you send the prelim letter to when you send the L.B.A, but when does the 14 days commence? Is it the date on the letter, which is the day I posted it, or the day that they receive it? I'm having problems with the Royal Mail website in that the proofs are coming up as unavailable when I know for a fact that one company has already received what I sent recorded as they have replied. Thanks
  4. Hi everyone Halifax defaulted me because of my current account. Whilst a cheque I wrote took me over my overdraft limit by about £20, it was the charges that I then incurred that increased the overdraft balance greatly. I used to work for the Halifax and opened the account to pay my salary into. When I left their employment I forgot about the account as I bank elsewhere. My question is, as most of the outstanding balance was overdraft charges, can I ask for the default to be removed or not? Thanks in advance
  5. Hi everyone Halifax defaulted me because of my current account. Whilst a cheque I wrote took me over my overdraft limit by abou £20, it was the charges that I then incurred that increased the overdraft balance greatly. I used to work for the Halifax and opened the account to pay my salary into. When I left their employment I forgot about the account as I bank elsewhere. My question is, as most of the outstanding balance was overdraft charges, can I ask for the default to be removed or not? Thanks in advance
  6. Hi there Basically, if it's something to do with the general running of the acoount, ie the monthly fee and an amount that they specifically made you aware of when you opened the account, then It's not claimable. Hope this helps
  7. sambo23

    Proxy

    I'm not 100% sure of this but I'm fairly certain that if you wanted to take her case on as your own, you'd need to have power of attorney. Pretty much anyone is entitled to act as representative in court but to be privy to her personal banking details (legally), you would need power of attorney.
  8. Hi there No, I've not started a thread yet but I will do. I've started claims with 2 accounts, 2 credit cards and a store card and the most advanced they are at is the prelim letter stage. I thought it best to get them all in before the companies find a way of not being required to repay the charges! At the moment I'm struggling to keep all the info together as I'm not very organised!
  9. Hi everyone I've sent off two prelim letters to the Halifax for my claims (two accounts and as I got the statements weeks apart filed the prelim letters seperately), as well as S.A.R's for two credit card accounts and a store card. The registered address on all account is my parents' address in Hertfordshire. I'm studying away from home so they send my post to me and this is not a problem. However, if it comes to the situation where I have to file a court claim, is it necessary to file it where my registered address is, ie the court nearest my parents', or can I file it in a court near where I am resident term time? I want to make sure that I don't have to drive over 200 miles to attend a hearing!
  10. That's a very good point. Unfortuantely you'd have a lot of outgoings (lawyers' fees, etc) in possibly providing beyond reasonable doubt that it was their fault.
  11. Hi I used to work for Halifax (a few years back) and when I stated working for them, they insisted that I open an account with them to at least have my salary paid into. They said that otherwise I would be paid by cheque and since this takes several days to clear, I opened an account. After working there for a few months, I came to realise that this was probably an attempt to raise 'sales' as it was considered acceptable practice to open accounts in colleagues' names when we were flagging! Incidently, my main account is with Barclays and is the 'Additions' account, for the priviledge of which they charge me per month. The amount I pay is greater than your sister-in-law's (I can't remember exactly how much it actually is but I think about £9.00). They might think that they're doing her a favour by charging her slightly less than the average Joe Bloggs. Yeah right! I don't know the legalities of it, but I thought you might find my own personal situation useful. Also, Halifax never mentioned anything about having to close my Barclays account. Interestingly, isn't Woolwich now owned by Barclays?!
  12. Hi everyone My main current account is with Barclays, which I have had since I was little. I'm 24 now, so would be able to claim for all charges I have received from the account, as I only started getting them when I was 19. My problem is that I have been working through an agency on a weekend basis for Barclaycard for the last six or so weeks. I know that if I was to claim against Barclays, it would probably amount to a fair whack as I was fairly irresponsible between 18 and 22(!), but what do you think my chances are of screwing up my employment?! Hopefully I will be taken onto Barclaycard's books after the initial three month period, and I don't deny that it's very useful as I'm a student. Should I start a claim against them or not? And if so, should I do this whilst I'm still employed via the agency or once I'm on their books? Would this be deemed as gross misconduct?!
  13. Hi everyone My main current account is with Barclays, which I have had since I was little. I'm 24 now, so would be able to claim for all charges I have received from the account, as I only started getting them when I was 19. My problem is that I have been working through an agency on a weekend basis for Barclaycard for the last six or so weeks. I know that if I was to claim against Barclays, it would probably amount to a fair whack as I was fairly irresponsible between 18 and 22(!), but what do you think my chances are of screwing up my employment?! Hopefully I will be taken onto Barclaycard's books after the initial three month period, and I don't deny that it's very useful as I'm a student. Should I start a claim against them or not? And if so, should I do this whilst I'm still employed via the agency or once I'm on their books? Would this be deemed as gross misconduct?!
  14. Unfortunately I didn't put the second roll number on the S.A.R as I had forgotten about the account. Is it best to send them another S.A.R with this roll number and the £10 fee again?
  15. Hi everyone I have two current accounts with the Halifax. One account was opened in 2002 and I have all the details (roll number, sort code and account number) for this. I have sent off the S.A.R - (Subject Access Request) with all the details and the £10 fee via cheque (which has been cashed) and am assured that the request is being processed. The second account was opened in 2001. I actually started employment with the Halifax at the time this was opened as they told me that unless I had an account with them I would be paid by cheque, which obviously causes a delay. Anyway, to cut a long story short, I forgot I had the account after I stopped working there and it went into arrears, then collections, and after I paid the outstanding balance, the account was closed in the summer of last year. My problem is that although Halifax say that the roll number (which is the only details on the account I have) is recogised and in my name, apparently they can't bring up the sort code, account number or any statements. Do you think they are just being spiteful as they are aware that I will be reclaiming charges on the other account? And if so, what can I do about it? I thought that banks kept statements for a minimum of five years. Sorry for the length of this post; just wanted to make sure that I put down everything that was relevant! Thanks Sam
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