Halifax 2nd claim

[zombola]

Hi all,

Some time ago i used this forum to claim back unfair bank charges with the Halifax, not taking me seriously i then went to the financial ombudsman service who succesfully got me £1200 of unfair charges for the last 2 years.

I would now like to claim for £210 worth over the last 2 months but I heard a rumour that Halifax has now frozen all action regarding this matter (while their lawyers desperatly try and get them out of it). Does anyone know if this is true and should I continue to claim my charges?

thanks for reading and thanks in advance

Z

[**Tilly**]

Hi Zombola

Yes you can still claim your charges,same process as before,send your sar,but if you have your statements send your prelim,it may take longer this time round due

to the test case but your claim will be in the system.

[zombola]

Thanks Tilly, thats very reassuring. i've sent off my prelim with statements and spreadsheet. Hopefully because its a realitvely small amount they'll pay out without fuss. you never know though.

thanks again

[**Tilly**]

Your welcome:)

Keep us updated on your progress.

Tilly

[zombola]

Hi,

I had a prompt reply from the Halifax stating that they have indeed frozen any action regarding reclaiming overdraft charges until they settle it in court.

 

here is the said letter.

 

 

Does anyone have any advice on what to do next? Should I wait it out or is this another fob off?

At this stage when I succesfully claimed last time after my first response from the Halifax I then got in touch with the Financial Ombudsman service however the letter states that they too will tell me the same answer. Does anyone know if this is correct?

thank you

[**Tilly**]

Hi

 

Stick to your timescales,if the 14 days are now are up you now need to send

your lba,giving them a further 14 days to reply,then file your n1.

 

 

 

tilly

[zombola]

Thanks Tilly,

do you know where I can find my iba and n1?

Im sorry i still cant get used to thes forum

thank you

[**Tilly**]

Hi

 

Here you go the link's for the lba N1 and poc, just shout if you need

any help there is always someone around to help.

 

3. Letter before action - Consumer version - asking for it back

 

N1 Claims form in .PDF format with form filling

 

 

Halifax The poc is here

 

 

Tilly

[zombola]

fantastic! Thanks for being so patient:)

[**Tilly**]

fantastic! Thanks for being so patient:)

 

 

Your welcome, if you are not sure of anything just ask,

[zombola]

Thanks Tilly

Ive filled the N1 form in upto where you put the charges and court fees etc.

is this a formal way of saying 'Im taking you to court' and/or do you think it will come to that?

I dont have a solicitor and do you know where I can find out how much the court fees are?

Thank you

P

[**Tilly**]

Hi

 

When you submit your N1 to your local county court,then yes you are taking them to court to reclaim your charges. You will need 3 copies of your N1 your Poc and 3 copies of your spreadsheet.below is how you fill the rest of your N1 out.

claimant You

 

Defendant

 

halifax

 

Brief details of claim

Money claim for return of penalty charges

applied to the claimants bank account by the

defeendant

 

Value

Charges xxxxxx

interest under s69 county courts act 1984 xxxxxxx

Total xxxxxx

SAR - (Subject access Request) Fee.....£10.00

 

 

right hand corner

Amount claimed xxxxx

court fee if applicable

solicitors cost leave blank (you dont't need one)

Total amount xxxxx

 

 

Court Fees - Do you have to pay them?

 

County Court fees and exemptions

 

 

 

Tilly

 

[nickB86]

hi. my 1st post on these forums. i have a few questions and think this thread is the best place since the OP is in a similar situation to me...

 

1 - i claimed about £1800 back and received it in April 2007. since then i have incurred about £1000 of further charges. am i eligible to claim for a 2nd time?

 

2 - any idea when htis court case ruling will be made? April? May? December ?

 

3 - when it is made.... any idea % wise of the chances of the judge ruling that bank charges are allowed to be reclaimed?

 

ok thanks to anyone for any advice that may be forthcoming. Nick.

[**Tilly**]

Hi Nick and welcome to the forum

 

Yes you can reclaim your charges back a second time.

 

at the moment there is no outcome of the test case

 

nobody know's what the decission will be

 

It is in your best interest to have your own thread,that way you will get

all the help you will need. click on the link to start a new thread.

 

 

Tilly