judy123 v Halifax ***SETTLED IN FULL***

[Judy123]

Have had a rough ride over the last few years - Halifax hindering us all the way but have now clawed back to normality so decided to go for it.

Sent prelim letter, LBA was due to go out next Tuesday but received letter yesterday saying:

 

Further to your recent enquiry I regret to advise you that, having fully considered your request, we are unable to make a refund of the charges applied to your Bank Account. If you would like any further information please contact us at the above number or call into your local branch.

Collette MacLachlan - customer services.

 

I have been watching other peoples threads over the past few weeks and this doesnt seem to be the 'make a complaint letter and leaflet' that they have talked about receiving in response to the prelim.

 

Is this dead in the water or do I persist and send the LBA on Tuesday as planned.

 

Total charges over past 4 years of account with them is £1277

[Judy123]

I have just noticed that this letter came from Leeds - I sent my prelim to head office in Halifax. Do I send the LBA to head office or Leeds? Gut feeling is stick with head office but could do with a second opinion!

[Judy123]

thanks for that - roll on Tuesday!!

 

We are all little fish in a big pond, but if we all swish our tails at the same

time ....... who knows???

[Judy123]

Ok have just typed up LBA ready for tomorrow - have altered the wording to read:

'we are very disappointed that you have failed to respond to our letter of 20th June in a satisfactory manner'

in the hope that it indicates that we have not had a standard letter and the response was not what we hoped for, so we shall see what happens next!

[clayts]

Ok have just typed up LBA ready for tomorrow - have altered the wording to read:

'we are very disappointed that you have failed to respond to our letter of 20th June in a satisfactory manner'

in the hope that it indicates that we have not had a standard letter and the response was not what we hoped for, so we shall see what happens next!

 

Wow, virtually word for word what I wrote in my LBA too

[Judy123]

Just while the clocks ticking and I have nothing else to do (!) just wondered if anyone else gets 'floating money' in their account. I keep a very close eye on our account transactions (the old fashioned way - in an exercise book!) having learnt the hard way, and find each day after payday that when I try to match up the difference between 'available balance' and 'actual balance' online that there is floating money that I cant allocate. It happens each month after payday and this money floats in the account, unavailable, for a couple of weeks then becomes available again. Last month was £3.50 for ten days, this morning it is £10.99 (following payday) - that might not seem much but I have had months where it has been £40.00! The banks response is that it must be allocated to something going through the account but it never gets allocated just becomes available again. Its weird! Maybe its Garry Kettles emergency stamp fund;) !

[mechs]

If you pay something by debit card ...weekly shopping for instance then although this money comes out of your bank imeadiately it may not show as paid .......likewise if you pay in a cheque it will say balance $ xxxxxx including the cheque but balance available ....... $xxxxxx excluding the cheque ........this is because the cheque has not cleared to you yet ...I hope this makes sense to you

[Judy123]

yes I know all that, I list all those transactions in my book so when I am checking the actual balance I can see which transactions are going through. I know what my balance will be before the bank does, cheques are deducted from the balance before they are posted, the theory is that we work from my books balance rather than the banks balance so we know exactly what we have got left to the penny.

 

That is my point this money doesnt go anywhere - it doesnt get allocated it just becomes available again, it never does - it just 'floats' out of reach for a few days

[Judy123]

Having a real wobbly moment here - quite apart from the wording on the only letter I have received from the Halifax, LBA went last week so am on day 8 and have heard nothing, but have read todays Daily Mail and the associated thread on here and am stressed! I would be due to file Moneyclaim next week, its going to cost me £120, which although earmarked would be useful elsewhere, do I keep going and risk it despite having had none of the responses that others seem to be getting? HELP!:?

[Janet-M]

Do not let the stays put you off , there has only been a couple so nothing to get excited about and also we have an extremley good argument for getting the stays lifted.

 

to date 2 of the stays has been paid out and the only other one I know of the judge wants both the claiment and defendent to submit paperwork .Can anyone REALLY see the bank submitting proof of how these charges are justified ? seen as they are not .... IMO its a matter of days before an offer to settle is made

[Judy123]

thanks for that guys, I'm sure you'll agree it takes guts to do this, and not being the most confident person in the world, glass always half full, it doesnt take much to wobble things!

 

Back on track now, ta muchly, confidence restored, going into the garden with a glass of wine! Funny, that glass is always half empty ha ha:D

[Judy123]

have just been discussing pros and cons of settling before court if offered with prison officer husband just off duty - the official response is ' tell 'em to ram it'!

ho hum another scintillating debate halted!!!

[Judy123]

Sorry I havent been with you for a while guys - lost the broadband connection and am sharing a mates computer. BT Broadband Customer Services - dont get me started!

Quick update - Chasing 1277.00 - Halifax have offered 120.00, then 418.00 - am now ready to file moneyclaim tomorrow. Just need to check, have used the spreadsheet to calculate the interest and have filled the total amount into the claim form, but there doesnt seem to be anywhere it asks for me to provide a breakdown of the claim. Do I not need to attach the spreadsheet or am I missing something?

[Andy449]

There's no need to attach the spreadsheet - You just need to enter the total amount and then the interest you have calculated. I assume that it would be up toyour bank to contest these figures if they chose to.

 

Andy

[Judy123]

Thanks for that Andy!

 

Does this get any more frustrating - first Halifax online isnt first thing this morning so I cant double check our balance before filing, so have to go to cashpoint to check. Come home all raring to go with the claim and guess what moneyclaim take solo cards (as they used to be) but not visa electron (as solo has been replaced with) aaaaarrrggghhh!

Have now had to transfer money into Visa account to cover payment and have to wait a further two days for it to clear into the account thanks to a post holiday balance! Soooo close and yet soooooo far - wont be able to file the claim till Monday now at the earliest (cant find smilie for very frustrated!!)

[Judy123]

Moneyclaim filed Friday morning - paperwork says deemed served by 6th Sept, moneyclaim site now showing 'acknowledged' yesterday, this is the scariest bit by far but I couldnt have read any more or learnt any more from this site so its more sort of confidently terrified!! will keep you posted:cool:

[Andy449]

You're in exactly the same place as me then - claim acknowledged yesterday.

I was offered £185 (claim is for £800) but I still haven't decided whether to officially decline it or just ignore it.

 

Andy

[Judy123]

hi Andy

 

charges total £1277 - they offered me £120 then £414 I chose not to respond and just carried on with my timetable, as most people here say you should. So we shall see what happens in the next few days, other people seem to be having pretty prompt responses so hopefully will be able to have a few serious glasses of wine at the weekend:cool:

[jonni2bad]

Please stick to one thread for this claim.

[ziggy65]

Good luck Judy! Perhaps you should fill that half empty glass up and forget about this for a while!!

[Judy123]

Cheers ziggy but I have no intention of switching off from it now - received acknowledgement form today showing that Mr A O'Brian intends to defend!

OK - sleeves rolled up, lets go!!

 

If I pull this off then the only thing I shall consider in future to be half empty will be a cup of tea!!!!

[jonni2bad]

.... showing that Mr A O'Brian intends to defend! ....

 

Quick - look to the skies everyone! A pig, flying..... :o

[Judy123]

and if you look REALLY closely you will see it has a large X on the side and is being ridden by a gentleman with VERY large glasses:p

[Judy123]

Cant believe it, just been to cashpoint and got a statement on a whim, its all there - charges, interest, court costs the lot!!!

 

WOOOOOOOHOOOOOOO yay yay yay go me!!!!! :D :D

 

Sadly I embarrassed my family by doing a victory dance outside Sainsburys

 

Have done survey and made a donation, thanks so much you guys you have all been brilliant.

 

Capital One next but I think I'll leave that till Monday - I can feel a seriously alcoholic weekend coming on!!! Good luck to everyone else - you dont need it though just follow the procedure.

 

Halifax charges £1277

Interest £216

prelim: 20.6.06 LBA: 04.07.06 Moneyclaim: 1.09.06 settled in full 8.09.06

[mechs]

Congratulations can you please pm a mod so they can update the database also.

and thank you for the donation