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Well my bank account has been opened for 61/2 years so im one of the lucky ones who should be able to claim for nearly all my charges.

I will be personally hnding over my subject access request over the counter tommorow morning and getting a reciept.

Just a few questions from you experts out there

As my account is joint can i still claim via moneyclaim online as there is only space for one claimant (just getting familiar with the forms obviously not claiming yet)

Also this account was originally a sole accunnt in my husbands name, i was only added last year so if i do claim through money claim i take it i do it in his name as he was the original account holder (sorry blond moment)

Thanks for you help in advance:o :D

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As far as i know as long as you are named on the account now you are able to claim for both of you in your sole name on the form ok?:)

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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This is how I dealt with my joint account - it was all claimed in my name only.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Sorry im still being a bit thick

 

is it possible that halifax could argue that if it goes to court in my name only they are only going to repay charges to me that have been taken from the account since i have been a named account holder.

 

I think when it comes to it i will do the money claim in hubbys name just in case.

 

also do you think they will put atimeframe on claiming costs back like they did with endowment policys cause i have other things just cant afford to do loadsa money claims until 1st claim pays up!!

 

 

I can only claim against one company at a time i take it also unless i hold two accounts with the same bank then can claim for them both in one go - thanks i really need sleep now:o

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Sorry im still being a bit thick

 

is it possible that halifax could argue that if it goes to court in my name only they are only going to repay charges to me that have been taken from the account since i have been a named account holder.

No

 

I think when it comes to it i will do the money claim in hubbys name just in case.

 

also do you think they will put atimeframe on claiming costs back like they did with endowment policys cause i have other things just cant afford to do loadsa money claims until 1st claim pays up!!

The only timeframe they can use in the Statute of Limitations (6 years in England & Wales).

 

I can only claim against one company at a time i take it also unless i hold two accounts with the same bank then can claim for them both in one go - thanks i really need sleep now:o

You can claim against more than one company at a time, however it will be in your best interests not to have too many on the go at once otherwise you will find it hard to keep track of everything and know what to do next in each case. Just do a couple of the most urgent accounts first to get a feel for it and then when they are nearing completion, kick off another one or two.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Well i know i only sent my dpa letter on monday and was aware they still havent even opened it (lol probably wont until 2 weeks time)

 

So i was walking past my local branch and thought i might just pop in to see if they could order the info for me.

 

The lady on the front desk was a bit puzzled when i explained to her i had sent in a subject access request and said that i should not be writing to them i should be writing to.................wait for it..................Experian for my credit report.........wat a joke,They should have people working there that should be aware of the data protection act and but they dont even understand it, i work in insurance for a major company and everyone in my company is fully aware of people dpa rights. thing is its not like shes new either she was the manager....

 

 

well bit sidetracked but basically she made about 5 calls to find out wat i was on about, then i told a little lie and said i sent the request on monday and one 3 weeks ago and needed the details urgently, so she charged my card a fiver and they will be with me in the next couple of days...wat a result, i made sure i watched her order them aswell so i know they will be on the way shortly.......... not long till my prelim goes out now

 

:rolleyes:

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  • 1 month later...

I sent my prelim via email and got an offer of £167, i declined this and then sent my LBA. this was sent on 16th july and i have heard nothing since

 

so moneyclaim has been filled for £3503.

 

will keep everyone posted. this is my secound claim as first direct have already paid out in full today after filling a moneyclaim just over 2 weeks ago

 

im not to familier with how long halifax takes or there process they tend to go throough before paying out after they get the court papers so all words of wisdon will be very appreciated

 

 

thanks

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Well done for getting this far. Not too long to go now! :)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Claim was acknowledged on friday the 4th

 

not long to go now, anyone else out there that filled last week it would be good to know what stage you are at also ;-)

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any news Hannah? :D

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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no nothing as yet - my post hadnt come before i went to work - keep checking online banking.

 

I keep thinking i will not get paid till the last minute - i will be really gutted if i dont have it by friday as its my sons 6th birthday lol

 

I really want my money!! ;-)

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LOL me too! So impatient. The postman teased me this morning by opening my letterbox but putting nothing through it?!?! Am worried as most people seem to have received a letter offering settlement beforehand and we haven't :( Although Halifax are hardly consistent :) I faxed Halifax legal dept my up to date schedule of charges last night so hopefully that will give them a kick up the bum.

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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I just rang them to check to see if they needed a charges schedule - they said they had everything they needed lol as they could get the details from the system - you never know it might speed things up - you could always call them to make sure they got your fax!!

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Excellent news - well done!

 

Time for a well earned break from the computer! ;)

 

Have you filled in the survey yet?

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hey honey the way things are going you may even get your dosh next week! ;)

 

Hannah very pleased for you, was hoping you'd get yours today too or I'd feel like a right cow! However those of you who are jealous lol, I have managed to lock myself out of the storage box in my motorbike hahahaha OH DEAR!

  • Confused 1

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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