Is this really true?

[pelvicthrust]

:o I'm amazed to read all of these fascinating and amazing stories! I cant believe that what the Halifax have taken off me in all of these years.....I can get back? Is this really true? For almost ten years they've been charging me £25/30 for going overdrawn...surely thats their right? If not..I'm gonna hit them "big-style"!

Pelvicthrust:oops:

[barracad]

Yes it is completely true.

 

Check it out for yourself - we've helped over 1,000 people get well over £1,000,000 back so far.

 

If you read through the FAQs thoroughly you will understand why these charges are unlawful, and what you need to do to claim them back.

 

Good luck!

[pelvicthrust]

Thanks , I'll do that.

PT

[callumsgran]

Welcome and good luck to you, give us a shout should you need any help ok?

[pelvicthrust]

Is it relevant that some/most of my charges are for being over and above my overdraft?

[mutzi]

You can claim all of them (bounced items, paid items, unauthed o/d charges etc) but unfortunately you can only claim for the last 6 years worth (5 in Scotland)

[towelie]

No you are still entitled to claim them back Good Luck!!

 

Post your progress as you go or if you get stuck, always people with the answers and willing to help here.

[pelvicthrust]

THanks for the support and advice chaps/chappesses! I'm now reading thru some more of the forum and the D.P.Act which apparently where it all starts. THanks again and I'll keep you all posted.

[pelvicthrust]

Ok, I've bought the Small Claims Court pack. I've read it. To be honest it doesnt give me the details (on Bank Charges) I thought it would. More, an overall view. I'll read it again ...maybe I missed something.

[c_allen]

just read this forum and you'll find everything you need, and there is a way you can claim for over 6 years but it's still exerimental, some people are trying/doing it, just look around and make sure you know what your doing BEFORE you do it

[pelvicthrust]

Thanks, good attitude I like it. If I understand right, I need to write them (Halifax) a letter requesting all my Statements... and then write back requesting the money on a pre-defined letter...

[Ihatebanks]

Yep thats right

 

Letter 1 Requesting details of charges

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

Letter 2 Preliminary approach for repayment.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-letter-preliminary-approach-repayment.html

Letter 3 Letter Before Action

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-letter-before-action-consumer.html

Then its Court time Moneyclaim online or N1 through local court

[pelvicthrust]

Fantastic, thank you,

'I Hate Banks'

(Copyright that one!). I'll go through them and read some more Cases...them I'm ready to strike. So you claimed back Three Thousand four hundred and forty pounds! -wow.

[pelvicthrust]

Ok, I've started the ball rolling, I've sent a Letter requesting details of charges to both Marbles and Abbey National (Cahoot) last Friday,25th August. Already I'm checking my emails and post! Silly really. Oh well lets wait and see,40 days to go....

[pelvicthrust]

Ok, I've sent a request of to this address (Cahoot)

Abbey National House,

2 Triton Square,

Regent's Place,

London, NW1 3AN.

and this one :

HFC Bank Ltd, Customer Complaints

Team, PO Box 3607, Birmingham, B1 2XJ

(Marbles)

 

Neither cheques has been cashed and I've heard nothing yet. Am i being to presumptious?

 

PT

[yorkshiretike]

hi there, just a quick one.. I'm going after the Halifax as well for some ridiculous amount, is it your own branch that you send the SAR form to or a main address for the HAlifax??

[ozzywizard]

Your own branch and good luck.

[pelvicthrust]

Hi, So far I've actually bottled out of sending the Halifax anything. Simply because i still have an account with them. I guess I'm afraid of ermm annoying them. Sounds a bit girly I know. So as a precursor I've used the Marbles and Cahoot Cards as 'guinea pigs' to see how easy it is!

[BUBS]

HI There,

 

I have 2 accounts with the halifax & am awaiting sending my LBA my morgage & all bills come outof my joint account & i also have a single account more importantly which my wages go into!!! (plus i have a credit card with them, i will be opening up a parachute account.... Go for whatever you fancy first

 

GOOD LUCK

[pelvicthrust]

Ok (finally) I've sent off my first letter requesting charges. Thursd. 5th October. Here goes.

Cahoot requested charges. Two weeks later got full amount of £185

Marbles requested charges.1 week later fob off reply.Oct 1st sent off secong letter warning off imminent court action.

Halifax 05/10/06 Charge request.

[Bubble]

Hi, So far I've actually bottled out of sending the Halifax anything. Simply because i still have an account with them. I guess I'm afraid of ermm annoying them. Sounds a bit girly I know. So as a precursor I've used the Marbles and Cahoot Cards as 'guinea pigs' to see how easy it is!

 

I'm in a similar position to Bubs who posted above - two accounts (one for my salary and bills and another one which has been virtually empty and unused for 18 months). There were threats mentioned in their standard letters along the lines of "if you don't operate your account properly..." but no specific mention of closing either account.

 

Halifax certainly dug their heels in and strung the whole process out more than the other organisations I claimed from.

 

Certainly was worth the wait though:)

 

A gentle word of advice - don't make the mistake I made in not claiming contractual compounded interest. I

 

It seemed too fiddly for my current account charges but I now realise that it is much more straightforward (and gloriously lucrative!) for any credit card charges.

 

Good luck with it all

 

Bubble

[pelvicthrust]

Still waiting for any kind of response from Halifax. If they're always gonna be this slow...this is going to get interesting.

[pelvicthrust]

Haha! Halifax replied with my 12 (!) years of statements. all i need to now is add it up ,send off and wait. Incidentally has anyone tried claiming back MORE than the statutory 6 years?

 

Cahoot requested charges. Two weeks later got full amount of £185

Marbles requested charges.1 week later fob off reply.Oct 1st sent off secong letter warning off imminent court action. Full maount of £80 returned.

Halifax 05/10/06 Charge request

[pelvicthrust]

Hi Bubble, I've looked at the interest option ..and it gives me headache. I'm claiming 1200pounds so i reckon the interest is worth having. I just can't work out which one? Simple/Advanced ? Contractual/Statutory ? How do i know if there is a Contractual interest? Sounds daft maybe, but the more i read the less i understand.... appreciate any guidance.

PT

[thesergeant]

pelvicthrust, bubble,

 

I have claimed contractual interest. What I understand as the basics of it, is that the contract between us and Halifax states that if we take unauthorised borrowing they apply a certain interest rate, if authorised another rate.

 

Therefore if they take money from us (unauthorised) the same interest rates should apply to their withdrawal from our account.

 

The charging of unlawful charges is an unauthorised withdrawal.

 

With contratual interest the rate applies from the date of the withdrawal from the account. I claimed 29.8%.

 

This can make a big difference to any claim.

 

In my claim I adapted particulars from others on this site to give the court alternatives, ie 29.8% or 18.9%, or the court rate of 8%.

 

Hope this helps - Go for it