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Halifax bank charges, the response to my first letter


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Hello everybody, found you today and need some help as everyone i ask knows nothing about dispute with the Halifax bank in particular. Sent the initial letter to HBOS threatening legal action if my charges were not refunded withing 14 days of recieving the letter. Standard letter of response from HBOS claiming proceedings are still taking place with the OFT and that HBOS still deems it's charges as lawful and fair. Should i respond with another letter or wait for the result from the court case with OFT as HBOS have told me to do? Can't actually afford legal action so that was stated in letter purely as a threat. Any suggestions anyone? Don't quite know what to do next. Thanks

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Hiya Chemicalmyra,

 

Welcome to CAG. :)

 

Please take some time to read the step by step guides:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Once you have sent the irst letter (prelim) you wait 14 days then you send the second letter. (Lba)

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

If you havnt had a satisfactory result in another 14 days, then you can file at court.

 

Here is a link to all the letters you need.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

You dont need to worry afording to pay for legal action. Everything you need is here.

Any questions, worries, and updates, just add to here.

 

And dont think anything you are asking seems daft, we have all been there, and we will help all we can. :D

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ok thanks for that, i'll send the follow up letter off tomorrow. Just checked my bank statements for this month and they've charged me another 2 £20 charges for going over my overdraft limit by £2. It's getting ridiculous, i'm a student and it's just not practical for me to check my balance all the time. Ah well, another £40 to add to the amount they owe me anyway. thanks for your help

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