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bertoneski

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About bertoneski

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  1. To all the Consumer Action Group... I went through the first two steps - send the first request for my charges and interest back (which elicited the standard bog off reply) so I then sent a "letter before action". These were sent to my local branch. After my LBA they sent a letter to me saying that the matter had now been refered to Head Office. The LBA duly expired (I had given then 7 days to reply) and telephoned the Halifax H.O. who said they were looking into the matter and to expect a response within 14 days. I wasn't intending to go through the Money Claim Online until I heard back from Head Office. This morning they sent a letter saying they were paying back the whole £1,600 (includes the interest) that I was demanding. They also state that if I agree to accept the sum I agree not to go over my overdraft again or they may close the account. I started this process on the 27th of December and have been paid in full. Wow! I was inspired to do this by the Money Programme documentary in december and before I came across Consumer Action Group found Money Saving Expert on the web and used their letter templates. I am shocked and relieved by this rapid response - I was dancing around earlier like a loon when I first read their letter a couple of hours ago. I don't know why I have been paid without any real resistance - I also have a mortgage with the Halifax - which I have gone into arrears with as a direct result of the Halifax bank's actions. Is their a chance that they looked into the my mortgage situation? (Perhaps a CAG member in the same circumstances can enlighten me.) I am a small business owner and often have cash flow difficulties - hence lack of funds at the right time. Their charges are outrageously punative and I ran up £500 in one week in December alone. I now am going after two other sets of bank charges - I don't know what they are yet since I haven't had the list of charges that they have stung me for over a six year period back yet. Thanks to all the forum members - good luck to everyone out there going after their money.
  2. To all the Consumer Action Group... I went through the first two steps - send the first request for my charges and interest back (which elicited the standard bog off reply) so I then sent a "letter before action". These were sent to my local branch. After my LBA they sent a letter to me saying that the matter had now been refered to Head Office. The LBA duly expired (I had given then 7 days to reply) and telephoned the Halifax H.O. who said they were looking into the matter and to expect a response within 14 days. I wasn't intending to go through the Money Claim Online until I heard back from Head Office. This morning they sent a letter saying they were paying back the whole £1,600 (includes the interest) that I was demanding. They also state that if I agree to accept the sum I agree not to go over my overdraft again or they may close the account. I started this process on the 27th of December and have been paid in full. Wow! I was inspired to do this by the Money Programme documentary in december and before I came across Consumer Action Group found Money Saving Expert on the web and used their letter templates. I am shocked and relieved by this rapid response - I was dancing around earlier like a loon when I first read their letter a couple of hours ago. I don't know why I have been paid without any real resistance - I also have a mortgage with the Halifax - which I have gone into arrears with as a direct result of the Halifax bank's actions. Is their a chance that they looked into the my mortgage situation? (Perhaps a CAG member in the same circumstances can enlighten me.) I am a small business owner and often have cash flow difficulties - hence lack of funds at the right time. Their charges are outrageously punative and I ran up £500 in one week in December alone. I now am going after two other sets of bank charges - I don't know what they are yet since I haven't had the list of charges that they have stung me for over a six year period back yet. Thanks to all the forum members - good luck to everyone out there going after their money.
  3. I am about to fill in my Money Claim Online claim to recover my charges - I have had a look around the forum but can't find a template for wording the claim against the bank. (Presumably citing Consumer Contracts Regulations) If there is a template can someone pop up the link to it please. Thanks...
  4. I have been writing to my local branch and I have recieved a letter from them - effectively saying that they would pass the matter on to their Head Quarters. My "letter before action" was sent to my local branch and expires monday. Since the local branch has relinquished responsibility should I wait to hear a response from HQ or press on regardless with the Money Claim Online and make my claim on monday?
  5. Hi All Just started on the great bank charges claimback. I issued a templated letter (downloaded from Money Expert) claiming £1,500 from the Halifax. Have had a standard "get lost" letter from my local branch and fired off the "Notice before Action" letter also downloaded from Money Expert. I am also persuing two other banks; one for 5 years worth of charges and another for the full six. (Enclosed the £10 cheque and the adapted letter templates). I have persued a landlord for a deposit to be return and came to a relatively good outcome so am familiar with moneyclaim online. Have that slightly sickening feeling in the pit of my stomach mixed with righteous indignation. Here goes nothing! Bertoneski
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