Confused??!

[catwendy57]

Hi, This is my first time on anything like this so bear with me if I'm not into the jargon & stuff...We have several questions - can you help.

Hubby has a closed(Sept 2005) account with the Halifax, over the last 6 years has incurred alot of charges but he has not kept any statements, but we do know the account number etc. So we have written to them asking for statements with a £10 cheque, we heard nothing but they cashed the cheque...so we rang them on the 40th day they denied having recieved the letter, when we mentioned the cashed cheque they suddenly found the letter, they wrote saying the statements would come seperatley but as of yet, nothing. (that was two weeks ago) We have reported it to the commissoner and recieved an acknowledgment from him. Obviously we have no proof or figures without the statements.....What do we do now? How do we go about issuing court proceedings? Is that the way to go? We feel abit swamped by it all really. We guesstimate that he's paid over £3k in charges.

Thanks in antcipation for reading this.

Jan

[pmhread]

Hello there. If you follow the links below to the FAQ's, you will find further information. Also the letter template library is underneath. You may have to threaten court action and ultimately take them to court to get the information from them.

[clayts]

Template 3 here may do the trick

[maybelline]

Hi, not hijacking but read the Non-Compliance stuff, what if? ( still waiting for my info and might get it all ) but last Nov they wrote to me and helpfully told me they had reviewed the account and charged me on 83 occasions, so is that 83 x 39? could I just go ahead with an estimate if they try to non comply with dpa but need this info specifically for the court action?

[clayts]

I'd be inclined to wait, as Halifax charge three different fees dependant upon offence (eg 28/30/39), and their charges have increased over the years

[maybelline]

thanks clayts, you are right, the charges vary as you say depending on the 'offence'. I'm pretty sure they are all bounced dd's as have no overdraft facility and have always been back in the black afew days after the charge has been applied but who knows?