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Sea-sidelady V Halifax (again)


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Here we go again..!!

 

Halifax kindly took a couple of charges in the last few weeks, without sending a letter! :mad:

To make it worse, it came out of my disabled son's money.

 

I have a friend who i gave permission to talk on the phone, after i gave all my security details on the phone, (who is fantastic at that sort of thing!! )

 

Halifax customer service repeatedly hung up on him. In fact they did it on EVERY call. Even the manager did, the reason...it was my own fault..!!

 

The way we were treated was absolutely disgusting!

 

They have even suspended my telephone access. :-x I cant even say on here how i feel about them, as i will get cagbotted. ;)

 

I got a letter yesterday from the manager, saying sorry i felt the need to complain!! I havn't even started!!

 

Prelim will be on its way tomorrow. :grin:

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Blooming 'eck, Mrs!

 

Aren't they just playing the game, as they know we can't do anything about it will the OFT Judgment is pending?

 

You go, girl!

 

:p

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Dear sir or madam,

 

Formal complaint under the consumer credit act 2006

 

Between Xth and Yth, you charged against my account (in my view unlawfully) the sum of £XXXth.

 

Since then I have attempted to resolve this dispute amicably, asking Mr XXX to deal with this account. During this period I am informed you have behaved rudely to him, and have hanged up the phone on him, and have made no effort to resolve any of the disputes.

 

I note that on DATE you intentionally removed my ability to use electronic management of my account. This is unlawful under s87(1)(d) of the Consumer Credit Act 1974.

 

[ then the normal prelim letters ]

 

Please regard this as a formal complaint, and letter before action under the Civil procedure Rules, and (according to your legal duty under the consumer credit act 2006) please respond with a copy of your complaints procedure, and the name or job title of the person who will be dealing with my complaint.

 

Yours Faithfully,

 

XXX.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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That is brilliant, Thanks Tomterm.

 

I will get that sent off in the morning.

 

It has been really winding us up, the amount of staff who did this. And then they stated that they couldn't speak on the phone about the account! To either of us.

 

I now have to go into my local branch to get it reinstated, and take plenty of ID.

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Well i was totally gob smacked at the way you was treated,it seems they put blocked all your access delibratley, when you refused to give up,this way they could refuse to

speak to you,which of course they did.

  • Haha 1

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

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Well i was totally gob smacked at the way you was treated,it seems they put blocked all your access delibratley, when you refused to give up,this way they could refuse to

speak to you,which of course they did.

 

TBTH, I think this is unlikely - knowing Halifax as I do, (I have family that work there and bank with them, including using online banking) I can't see this happening.

 

The Banking query team is completely separate from the online banking helpdesk.

 

It could just be coincidence, but still frustrating nonetheless.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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TBTH, I think this is unlikely - knowing Halifax as I do, (I have family that work there and bank with them, including using online banking) I can't see this happening.

 

Im not sure what you think is unlikely, Tilly was there with us when this was all going on. They were totally out of order!

 

We spoke to several people regarding this, from various departments, from online to complaints. They were all as bad as each other. They were refusing to discuss this matter, with me or my friend. I have never come across such arrogant staff!

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Im not sure what you think is unlikely, Tilly was there with us when this was all going on. They were totally out of order!

 

We spoke to several people regarding this, from various departments, from online to complaints. They were all as bad as each other. They were refusing to discuss this matter, with me or my friend. I have never come across such arrogant staff!

 

I don't doubt it - I've had similar dealings with their staff over the phone and in branch.

 

What I meant was that I think it's unlikely that the online helpdesk and their call centre are in cahoots - they are based in different locations and aren't "linked", as far as I'm aware. It could just be universally poor service, which is probable with these monkeys.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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As soon as i got through on the phone regardless of who answered, they could all read the notes on their screen about the previous calls. Hence the reason they all knew exactly what was what.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Dear sir or madam,

 

Formal complaint under the consumer credit act 2006

 

Between Xth and Yth, you charged against my account (in my view unlawfully) the sum of £XXXth.

 

Since then I have attempted to resolve this dispute amicably, asking Mr XXX to deal with this account. During this period I am informed you have behaved rudely to him, and have hanged up the phone on him, and have made no effort to resolve any of the disputes.

 

I note that on DATE you intentionally removed my ability to use electronic management of my account. This is unlawful under s87(1)(d) of the Consumer Credit Act 1974.

 

[ then the normal prelim letters ]

 

Please regard this as a formal complaint, and letter before action under the Civil procedure Rules, and (according to your legal duty under the consumer credit act 2006) please respond with a copy of your complaints procedure, and the name or job title of the person who will be dealing with my complaint.

 

Yours Faithfully,

 

XXX.

 

Very helpful Tom!!:)

 

SSL, subbing your thread.

 

I know what you're thinking about them (I entirely agree) and yes, you were right not to post your thoughts!!:lol:

 

In solidarity, Kenny:)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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Thanks Kenny, :D

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Now i cant get my statements online...Grrrrrrrr :mad:

 

SAR is getting posted later today. I have other issues on going aswell.

 

I have no other claims now. (mine anyhow) So i can give this all my attention. :D

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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This is totally out of order on thier part.

 

They seem to think they can treat everyone with utter contempt.

 

They not reckoned SSL.

 

You GO GET EM GIRL.

 

Best of Luck and regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Go get em SSL -- I'll be going for my "little xtra" charges again soon - so am watching with interest. Good luck x

  • Haha 1

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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I will let you all know how things go, between my old claims, and families claims, this is my 5th one against Halifax. :D

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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  • 2 weeks later...
I will let you all know how things go, between my old claims, and families claims, this is my 5th one against Halifax. :D

 

HO! HO! Only your 5th one, SSL?

 

I get the gold star, then!

 

Seriously, the increasing arrogance of the Banking "profession" (sic!) beggars belief! I have the suspicion that - eventually - they are going to receive their come-uppance!

 

You and I have both been around here long enough to know that persistent patience, in the end, wins the day!

 

Sorry that you've been at the receiving end of more grief.

 

PS. Can you imagine what might happen to CAG if you were CAGbotted (or even CAGbooted!)? The on-line petition for your re-instatement would crash the system!!!

  • Haha 1

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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I'm soooooo pleased to see you back in full swing. :D

 

I missed my stalker, :p and you say the nicest things!!!

 

But your right, we have been around long enough to know how to play this out.

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Another one back again!!!! :D

 

Good to see you MH xx

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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  • 3 months later...

I have had a few things on lately and let this one sit and chill for a while.

 

As last time i have 2 accounts with Halifax. My main account i do owe some on it. But the charges will cover most of it, then i will pay the rest off and close it.

 

The other account, i have requested it to be closed. Not many charges on this one, but hey ho. I don't intend to let them off with a single penny.:D

 

I think i will do these claims separate. As claim 1 is a bit more complicated than claim 2.

 

Claim 1. Prelim all ready to be posted tomorrow. Lba due to go on 29th. :D

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Sock it to them girlfriend!!!!!

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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Not many charges on this one, but hey ho. I don't intend to let them off with a single penny.:D

 

 

And neither should anyone.

 

Watch an expert in action. Go get em SSL.:)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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LOL, thanks Kenny. :p

 

Well i got a letter from Wescot regarding the debt on this account. All pretty and red. Demanding full payment or else. :rolleyes:

 

And the phone calls from them have started aswell. Up to 5 a day. If they do manage to catch me out and i answer them, i just hang up, or leave the phone on the desk. Let them waste their own money and time. :D Silly people. I did tell them i wont talk to them. The first phone call they asked if i was SSL, so i said yup, they then said we have a debt of £xxxxx from Halifax and told me all the details. They didn't ask for any confirmation of my details. I could of been anyone! :mad:

 

So a letter is winging its way letting them know the account is in dispute and the harassment letter is in there aswell.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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