Joanne versus Halifax

[Jessi]

Hi All

 

Let me start by saying great site.

 

So far I have just completed the spreadsheet and the request for payment letter. I will be posting them recorded delivery first thing in the morning hope all goes well.

 

Will keep you all updated on my progress.

 

Good luck to me and everyone else who claims of them EDITED banks.

 

Cheers

 

Jo

[tonycee]

[vandermerwe]

Hi J-W

 

Completed payment letter AND the spreadsheet!

 

Wow! You don't need this forum, it needs you!

 

Suggest you repost on the Halifax site as you'll probably get more response there.

 

Me? I'm still struggling with spreadsheets.

 

Good luck, keep us posted and remember my mantra "one for all and all for one"

 

Regards.

 

Vandermerwe

[**Tilly**]

hi joanne and welcome

if you start a thread in the halifax forum you will get all the

help and advise in there if you need any here is the link

good luck

http://www.consumeractiongroup.c o....bank-scotland/

[tiglet]

Good luck Joanne - sounds like you're on the right track already.

[Bigmac versus]

Have sent you pm Joanne

[Jessi]

Seams like I should repost this in the Halifax forum do I start a new one or is there a way to move this thread.

 

Thanks for all the messages already. Gives me confidence.

 

When doing the spreadsheet it reminded me of when the bank took all my money that I was gonna spend on my girl for here birthday, as you can imagine I was crying my heart out.

[**Tilly**]

hi joanne

i have asked to have your thread moved to the halifax forum:D

[ukaviator]

Thread moved. . .

[Jessi]

Thanks Tilly,

 

Apparantly I was daft using my real name cause the banks may trawl this site so can people not use my name until I get a new one

 

Cheers Jo

[Jessi]

Thanks ukaviator,

 

Can you change my username as well

 

As am worried now

 

Jo

[ukaviator]

Ok . .i will get that done. Can you Private message me your new one?

[vandermerwe]

Hi Jessi - see you've done it.

 

And, by the way, make it a rule never to use your regular signature on correspondence - use a font such as Mistral.

 

Think you're going to be a winner.

 

Regards.

 

Vandermerwe

[Jessi]

hope so fingers crossed

[Bigmac versus]

Hi JESSI, lol, see you got the name change.

Keep your thread updated of all progress, this will help others assist you when you get stuck.

[Jessi]

yes thankyou again for the advice will keep you all up to date. I sent my letter off today 1st class recorded delivery, so gonna check royal mail website tomorrow. Then sit back an wait to see if they reply.

[**Tilly**]

hi jessi

 

dont forget its 14 calender days from the day they receive it

and if you feel like chilling out take a visit to the halifax chill

out thread totally mad but good fun:o

 

oh love the pink:D

Halifax Chill Out Thread.

[sea-sidelady]

Hiya Jessi,

 

Glad to see you made it in here.

 

Dont forget to keep us updated on how your claim progresses.

 

And if you need anything, just shout, some one will always be around with some advice.

[Jessi]

i will do thanks

[Jessi]

UPDATE received letter from Halifax this morning as can be read below

 

 

Thanks you for your communication, we acknowledge receipt of your complaint about bank charges. We believe that your complaint concerns the level, fairness or lawfulness of the charges. If it concerns something else, such as an administrative error, please let us know.

We believe the charges are fair, transparent and lawful. Please be advised the banks has not become involved in legal proceedings with the office of fair trading (OFT) in relation to bank charges which we believe will resolve the legal issues regarding the fairness and legality of your bank charges.

It would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible. However, until the determination of the legal issues in the above proceedings. We have asked the financial services authority (FSA) to suspend the normal timetable for dealing with bank charges complaints, and the FSA has agreed to this request subject to conditions that project your rights.

We can assure you we have registered and stored your complaint. Please retain your bank records, as this will make it easier for you to support your complaint on resolution of the test case.

Once the legal proceedings between the OFT and the banks finish, we will resolve your complaint as quickly as possible.

We are sorry that we have not been able to respond in full to your complaint now, but we (together with the FSA and the OFT) think that it is necessary to resolve the key legal issues before we decide how we should respond to you complaint.

Obviously exactly what will happen next will depend on the courts. We do not know how long the case will take – we have promised to proceed as quickly as possible but inevitably given the importance of the issues being considered this may take many months to finally resolve. But we can assure you that once the legal proceedings are completed we will resolve your complaint as quickly as possible. If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Financial Ombudsman Service (FOS) (or the courts).

Given this court case we have asked the FOS not to proceed with any other case they are hearing until the test case is resolved. FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the legal issues being considered in the test case.

Similarly, you should be aware that if you choose to issue a claim in the courts, the bank will immediately apply to the courts for an order to stay your action until resolution of the bank’s proceedings with the OFT.

 

Does anyone know what I should do next.

when I sent the prelim letter I included the bottom paragraphe

 

In considering this request for repayment, your attention is drawn to the Press Release issued by the FSA on 27th July, which states:

 

"Consumers who are in very difficult financial circumstances - 'hardship cases'

 

Banks and building societies will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period. Cases of hardship would still be entitled to be referred to, and dealt with by, the FOS."

 

I believe that my personal circumstances fall within this category because during the time off charges levied against me I was in receipt of hardship benefits from the department of work pensions, proof can be seen on my bank account records

So does this mean that they still need to act on my request or are to in the right.

Please help I think that I have left it too long.

[AC2007]

Welcome J,

Are you still in receipt of hardship benefits from the department of work pensions, as I believe the hardship cases need to be your current situation?

[Bigmac versus]

Hi there hardship would need to be proved, behind with mortgage, being chased for debts you have failed to maintain etc, if you still feel you fall into this category then you have 2 choices start legal action or contact the FOS and you will need to prove you are indeed in Hardship.

Failing that you wait like others are until the OFT testcase is over.

[Jessi]

Yes am still recieving Income Support as am a single mother. So should I contact the FOS. If so could someone please give me thier contact details. And let me know what I should write to them.

 

Many Thanks

[**Tilly**]

hi

 

you havent left it too late send your letter before action

giving them a further 14 days then file your n1that way

your claim will be in the system also here is the link for

the fos

 

 

 

 

 

Financial Ombudsman Service

[Jessi]

Thanks tilly i will get intouch with them just hope it works its hard with 4 kids being on my own an partly disabled so the money would help out loads just keep fingers crossed for me

thanks again