time to get it back

[punkyboab]

Hi everyone, i have read your posts with great interest and have finally plucked up the courage to do something about the ridiculous amount of money the halifax have been taking from me.

My most recent statement had eleven charges on it, totalling £550, some of these were for three charges per day.

This has been going on for some time now and i am finding it impossible to get back on my feet while the halifax are taking almost half my earnings each month.

I sent my data protection letter on monday 3rd july along with £10 fee and mailed by recorded delivery.

I know it will be a long slog, and it does scare me a bit, but i am determined to recover some, if not all the money they have robbed from me.

I'd appreciate any help at the various stages of my claim.

WISH ME LUCK!!!

THANK YOU

ROBERT

[strude]

Best of luck Robert.

We are all in this together, we know how you feel.

Remember it's your money, don't settle for anything less than ALL of it back.

Keep us posted.

[punkyboab]

Thanks strude, sorry for late reply.

This is first time i've been online since weekend, still no letter of reply about my data protection letter, but my boss said i had a call from someone at the halifax on tuesday 11th july.

Havent heard anything else,so just a matter of sitting tight and waiting i guess.

THANKS

ROBERT

[jonni2bad]

There's no harm in calling them to check it's being prepared...

[punkyboab]

Hello again, finally got a response today from the halifax.

Just the usual standard letter saying thanks for your request for details of charges, these will be sent under seperate cover, and the usual about the manual intervention thing.

Cant wait to see how much they've taken in last six years, must be a fortune.

Gonna stick with it til i get every penny back, and actually feel like im getting somewhere now.

Thanks a lot, i will keep you updated, and a fair donation will be coming your way when all this is over.

Thanks

Robert

[punkyboab]

Hi folks, sorry i havent posted anything for a while, its because theres nothing to post.

I received the standard letter from halifax regarding my statements on the 18th july, telling me they have been ordered and will arrive under seperate cover.

They have until 11th august to forward them to me and then their time is up.

Should i wait until 11th, when the 40 days are up, or should i chase it up now?.

I received last months statement yesterday, and surprise surprise, another £470 in charges.

I have had my car insurance cancelled, my personal loan company have suspended my direct debit, and all because, each time i put money in, or leave my wages in to cover these direct debits, those xxxxxx b*****ds have swallowed it up in charges.

It's been a vicious circle like this for way too long, most weeks i am working just to be able to withdraw about £20 pounds of my hard earned cash.

I don't care what it takes, or how much it costs, is there anyone out there who knows how i would go about taking them to court for the lot ( must be at least £15,000), as i am in scotland and i really don't want to have to make claims of £750 at a time as it would take forever.

All help greatly appreciated, and a hefty donation being made if and when i eventually recover some of this cash.

Thanks a million

Robert

 

Moderated - please refrain from potentially libelous comments.

[jonni2bad]

Have a read through our Scotland sub-forum for ideas, but you might also wish to read articles by the Govan Law Centre...

 

http://www.govanlc.com/jurisdiction.htm - this covers jurisdiction and states that you may be able to raise your claim in an English County Court. I am not familiar yet with Scottish Law or proceedures, but raising a case in England could possibly put you on course for MULTI TRACK which means, on the downside, the possibility of hefty costs if you lose, but on the positive side means getting Standard Disclosure, the bank's evil enemy!

 

It is still possible that the case (if your claim total is above £15,000) could be allocated to the FAST TRACK - here costs are limited to approx £750 but again you get Standard Disclosure, which overall would really be the best option for you.

 

There are similar types of proceedure in Scottish Law and I'm sure you will get up to speed on those. Something along the lines of Summary Cause and Ordinary Cause for limits above £750 and £XXXX?? - (I told you I wasn't familiar).

[punkyboab]

Hi all, i finally recieved my statements today, well dating back to nov 2003.

The halifax had gone past the 40 day deadline,so i sent the follow up letter giving them 7 days to comply etc.

That must have shook them a bit, as they sent half the statements requested immediately by special mail.

I have totalled up the charges, which amount to £5048 since nov 2003, (no wonder i am finding it hard to get back on my feet).

I need some advice on what to do next, do i send my lba requesting this amount, accompanied by another 7 day deadline to send me the rest of my statements, which im sure will total about the same?.

I was thinking about asking them to refund this amount within seven days and i would forget the rest, and if no refund then i must have remaining statements within given time.

I know its my money, and i deserve it all back, but to me £5048 is a lot of cash, and a quick end to all my problems. Do you think they would go for this as full settlement?

Many thanks, and a good donation on way.

thanks

Robert