willmurr6 V Halifax

[willmurr6]

hi all have just phoned halifax again today as still no word of my claim and am due to file in court today as they havent replied to my LBA got a right cheeky man on phone who told me i would just have to wait till they decide told him i was giving them a chance before going to court he asked what i was going to court for DAH told me not to bother as courts werent looking at them.Think they are under pressure with hardship claims,so will be taking papers to court tommorow.

[willmurr6]

hi all still nothing from halifax,but checked account online yesterday and they have increased my overdraft i was about 300 over my limit now have funds available not that i will be touching it,was wondering if they are going to make me an offer soon what does anyone think please.

[willmurr6]

hi all still no word from halifax started my claim in oct claiming hardship but have heard nothing,have been phoning about every 3 days they say it is with accessors but that was about 3weeks ago thought hardship claims were dealt with quickley.keep up the good work

[willmurr6]

Hi All,firstly hope everyone had a nice xmas.Received a letter from halifax this morning regarding my claim on hardship grounds they have refused and are saying they will cancel all charges from 3 months from date of this letter which is no good to me as i wont have any charges as my account is frozen.I phoned them up and they said this is what is happening with all hardship claims from now on,has anyone else received this.Said i can take it to FOS what does anyone think of this or should i just proceed with taking it to court i live in Scotland.Please can someone help me.

Thanks in advance

Willmurr6

[Mr lex]

Hi Willmurr,

 

I hope you managed to have a good Chirstmas too.

 

The procedure with the FOS is this;

 

Call them and explain briefly your situ-they will allocate you a complaint number.You can ask them to write to the Bank ...within a couple of days you will get a complaints pack from the FOS.In the meantime the Bank must respond to you following the FOS letter to them.

 

The complaints pack should be filled in and sent back to the FOS with any proof or docs. If you already have had a final response from the bank you can return it right away with a copy.

 

If the bank have taken adverse action while you are disputing the account, such as selling on debts defaulting or closing accounts-then this is in breach of banking codes criteria and also OFT guidance-you should complain about this too.

 

Many Courts are refusing to lift stays making decisions without hearings-its better to apply on notice using N244 and requesting a hearing-there is a charge but free for those who are eligible under fee remission.

Its advisable to submit the detailed waiver agreement which can be found on the OFT website.

 

I would also inform the FOS if the banks are opposing your lift of stay after you have made them aware you will be citing hardship.

 

 

F.O.S Contact details.

 

0845 080 1800

(calls cost up to 4p a minute for BT customers – but are likely to cost more if you use another phone provider or call from a mobile)

 

020 7964 0500

(this number may be cheaper if you use a mobile phone or a phone provider other than BT – and will be "free" if you pay a monthly charge for calls to numbers starting 01 or 02

 

[email protected]

(we will usually be able to deal with phone queries on the spot – so phoning might be quicker than emailing us)

 

Financial Ombudsman Service

 

There you go !!

 

Lex

[willmurr6]

Thank you Mr Lex for your reply have been out all day so will give FOS a phone tommorrow not letting them off with this.