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Paul v Halifax. Prelim Reply Received LBA Sent 11/04/06


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Well after looking into 1 years statements and totting up charges of over £600 I have sent the DPA letter requesting all paperwork in my account.

 

40 days and counting. Is it 40 days from sending or 40 days from reciept?

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Receipt by an appropriate person.

Read the DPA notes linked in the library

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  • 2 weeks later...

Recieved reply today. Here is the intersting stuff, verbatim.

 

Dear XX & XXX XXXXXXXXX

 

You have requested a copy of duplicate statemements since the account opened. There is a charge of £5 for duplicate stements however, in the interest of customer service, I have enclosed a list of bank charges which have been applied to your account since 2003. The information enclosed has been provided informally and free of charge. If you still require statements from the date quoted above, please let me know as soon as possible.

 

Turning to your request for a list of all the members of staff that have manually intervened on your account. Unfortunately, an investigation of this kind would involve a disproportitionate effort and HBoS plc is not legally obliged to supply the information.

 

If you require any further information please contact us on 08457 20 30 40

 

Yours sincerely

 

 

Customer Services

 

I sent the DPA letter from the library asking for a list of charges, however statements would also be acceptable. Like the way they turned that one around.

 

Also what is the legality of the last paragraph that they are not legally obliged to provide evidence of manual intervention? Are they truly under no legal obligation even though I send in a DPA request?

 

I will be writing back explaining the errors in their reply and reminding them of the amount of days that they have to comply but I would appreciate comments, especially on the last paragraph.

 

Ready, set, Go!

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Well Ive done my calculating and managed to give myself a headache into the process.

 

Including interest and 3 pending charges due in the next 5 weeks (unauthorized overdraft charge to be taken April 30th) I am owed close on £2000.

Suppose its time to get the prelim letter sent. Can I skip this and just go straight to the LBA or is that not advised

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Prelim Letter sent today by Special Delivery demanding £1598.00. I thought I would let them keep the £1.85 in interest as I think thats all their service to their customers is worth.

 

Lets see what happens in the next 14 days

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Prelim Letter sent today by Special Delivery demanding £1598.00. I thought I would let them keep the £1.85 in interest as I think thats all their service to their customers is worth.

 

Lets see what happens in the next 14 days

 

 

Good luck.

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  • 2 weeks later...

Recieved a reply to my prelim letter.

 

Talk about completey igonring your customers. Bear in mind I gave them 14 days for a satisfactory response.

 

Reply is dated 6 April but the envelope is franked 10 April, so whos out tray was it sitting in?

 

Dear ispartacus75

 

Thank you for your letter on 27th March 2006

 

Your complaint, as I understand it, is about the charges on your account.

 

We're keen to deal with your concerns as quickly as possibe. A Customer Relations Manager will investigate the points you have raised adn you will recieve a reply shortly, but certainly no later than 4 weeks.

 

You will find enclosed a copy of our leaflet, which tells you how we handle your complaint.

 

Yours sincerely

 

So they left it till the last day to reply (14 days ran out to day)

 

Oh well. LBA will be going today then.

 

THEY WILL NO LONGER DICTATE MY LIFE

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Just a quick update.

 

Had a reply back from local branch (all communications have been sent to them). Looking into my complaint and will contact me shortly. Standard letter with printed signature although I do now have the branch managers name.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Just taken phone call from Halifax.

 

Firstly wanted to offer me just over £300. I rejected this offer and told him that I would be going for the full amount. He asked my why I thought I was entitled to the full amount and I explained to him that the charges were punitive.

 

If the charges were fair and reflected actual cost we wouldnt have a problem. He claimed that the costs were published as charges so I asked him if it actually cost £39 to bounce a cheque to prove it. He said we dont have to. And then admitted that they cant. To which I told him that they hadnt proved it to the govt either.

 

He then raised the offer to £500. I told him to put it in writing.

 

Looks like Ill be waiting for a letter.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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