finally done it.

[maggie]

my husband has a current account with the halifax and an overdraft.in the past 2 months we have had £240.00 charges without including previous charges from the last 6 years.

are we still able to try and reclaim the charges,even though the bank has made the direct debit etc;sometimes a matter of a few pence over.as i am concerned that if we try to claim the charges back,their argument would be that they made the payments anyway.

please help,as i have just joined this forum

[richardc]

Please read the FAQs. They really will help you

[maggie]

thank you richard c i have just made a copy of the d.p.a. letter,and will post it a.s.a.p will let you know how we get on.

[maggie]

last week ,we incurred £90.00 of charges.on querying them by e-mail on logging onto our account online,i received the following e-mail back from their online helpdesk

=

thank you for your e-mail dated 1st march 2006

please accept my apologies for the inconvenience that this charge may have caused you.i am aware that charges are an issue that many customers feel strongly about.i can also understand that charges automatically applied to your account may sometimes seem a little excessive,however the fee reflects the administration and processing costs involved.

 

 

in order to assist you further,please contact bank accounts on 08457203040.our lines are open 24 hrs a day,7 days a week.

 

i trust this matter will be resolved by one of my colleagues regards

(blah!blah!blah!)

 

does this mean that the administration and processing costs were manual?

[Bookworm]

No, it means they don't know whether they're coming or going: "automatically" & "administration and processing costs involved" in 1 sentence? Boy, I'd like to see them try prove THAT one!

 

I like the semantic evasion: "however the fee reflects the administration and processing costs involved. " Note the "the fee reflects". Not "the fee accurately reflects", no.

[Bookworm]

Could you send me a copy of the e-mail to:

 

[email protected]

 

for our evidence folder, please?

 

Thanks in advance

[maggie]

thanks bookworm.i am sending you a copy of the e-mail from their online help desk.i did receive 2 ,as i also queried the £30.00 charges for going over our overdraft a few days earlier by just £2.80p,but unfortunately i deleted it.

[maggie]

sorry bookworm,but please can you let me know if you have received the e-mail i sent you of the reply from their helpdesk

thanks maggie

xxx

[Spiceskull]

Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks

[maggie]

hi everyone,

well ,after months of being a member of the consumer action group,i have finally written my DPA request tonight,to post off to the Halifax tomorrow morning ,by recorded delivery.

please wish me luck.at last,i am finally able to afford the £10.00 .Fingers crossed.

[ginamaunder]

good luck maggie, but i only had to pay £5 pounds for my statements! so i hope they are not charging people diffrent prices.

[maggie]

thanks ginamaunder for wishing me good luck.i am as nervous as hell.

[ginamaunder]

dont worry i am in same position as you, have just sent them first letter asking for money. back let me know how you get on.

[della]

Nothing To Worry About Girls.....you're In Good Hands Here.

[maggie]

thanks Della.

have just posted DPA letter by recorded delivery .fingers crossed

[mikeg41]

Good Luck maggie! I'm at the same stage. May I ask to which address did you send your DPA letter to? I sent mine to Trinity Road but I notice there is another at Commercial Street?

[maggie]

sent mine to the same adress.trinity road.good luck to you too.

[maggie]

and you too,ginamaunder.Let me know,as well,how you get on

[catherine andrews]

Hi, i sent a request letter to halifax for 2 a/cs and enclosed 2 chqs for £10 each. They sent i chq back to me and kept the other. Apparently you only need 1 chq for £10 for each bank not each a/c (Maximum fee is £10). Are they charging £5 per a/c? I was reading another thread earlier and they were charged £15 in total for 3 a/cs. very confusing!

I have recieved statements for 1 a/c but not the other. 40 days run out on Sunday! Wonder if they will arrive tomorrow?!!

Cathy

[ginamaunder]

thanks good luck to you all keep us posted i will do the same

[maggie]

DPA letter delivered 17/07/06. 40 days and counting.just checked on royal mail site.

[maggie]

received statements yesterday(1/08/06.sorry only now have i had time to post).

problem is ,statements sent are only backdated to October 2004. I have no idea if we had incurred charges before this date.Should i write and ask if they would send the remaining statements,or are the charges shown on the statements I received,the only ones we incurred,as requested by the D P A letter?

Total of charges =3345.00

[maggie]

sORRY.WISHFUL THINKING.tOTAL CHARGES £345.00

[nona]

Hi Maggie,

Did you request 6 years worth of statements? If you did you should ring them and ask for the rest. Or they may arrive in the post tomorrow-mine arrived in about 42 envelopes!!(They did all arive together though)

Good Luck

Nona

[maggie]

Hi Nona,

yes,i did request 6 yrs of statements.will give them till the weekend to send the remainder,then i will contact them.

Good luck to you too.

maggie