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Halifax Credit Cards refusing to refund me!


nalin73
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Have sent prelim letter to Halifax Card Services asking for 1030.00 back in late fees/overlimit fees. Here was the response:

 

As per the terms and conditions of your original agreement, that you signed to confirm that you had read, understood and agreed to be bound by, a late payment charge of 25.00 will be apllied to your account on each occassion that the minimum payment is not received by the due date shown on the statement.

In view of the aboce, I regret to advise I am unable to refund the charges in question as they were applied to your account as per your original agreement.

I trust this clarifies the situation... blah blah blah

LBA to be sent me thinks.

 

My question: has anybody received the same letter? (must have done as it seems the 'standard' fob off letter they send to everyone.

 

If so, can someone point in me in the right direction as to what I should send as a response. I had a look at the templates section but cant find a draft specifically for the response.

 

 

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LBA to be sent me thinks. Yes

 

My question: has anybody received the same letter? (must have done as it seems the 'standard' fob off letter they send to everyone. Yes

 

If so, can someone point in me in the right direction as to what I should send as a response. I had a look at the templates section but cant find a draft specifically for the response. There isn't one, the LBA is the best response

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Nalin 73, Funny old thing, I was trawling through the site to find out what to do as I recieved the exact same letter today, after my preliminary approach letter. It must be a new template letter that the Halifax are Mail Merging out.

Now that I know that i'm not the 1st, I shall send the LBA with an adaption to some of the text to the lovely Heather Dickson in this case. I do find it odd that Garry Kettle sends out lots of letters, but never follows up on any we send to the bank!!!

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  • 2 months later...

I received letter of the same saying they would not be refunding (with statements) blah blah, however I then sent them LBA on 11th Oct and have heard nothing?? Have they settled with you since?

 

I will submit moneyclaim on Friday (my day off) if so.

 

c

:cool: 20/07/06 - DPL sent

11/08/06 - Chased and faxed DPL letter to Halifax

1 week later received full set of statements (4 yrs)

:o 19/08/06 - Request for £2908.31 letter sent inc interest

:-| 22/08/06 - Standard resp rec'd

:oops: 5/09/06 - Offer of £236 rec'd (are they avin a laff?)

5/08/06 - Sent LBA

8/09/06 sent letter, will accept as part settlement from Halifax not full etc.

12/09/06 - Rec'd offer of £657 (6 mnths charges as full settlement)

15/09/06 - sent letter will accept as part payment on understanding I will recover the remainder etc...

:confused: 19/09/06 - Rec'd another offer of £717? No Deal!

25/09/06 - submitted moneyclaim for full amount + court costs

:D 29/09/06 - Halifax settled in full, £3,028.31

23/10/06 - Halifax credit card settled in full

20/1106 - MBNA stettled in full

23/1106 - Halifax cardcash settled in full

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Hi

 

I'm now in the process of starting a claim. 1st offer received 245.00 against 1080.00 claiming. Rejected. 2nd offer received 505.00. Won't bother replying as I will just start the claim for 1080.00 plus all that lovely interest!

 

My advice is to follow the procedures and use the templates in the forum. LBA etc. If nothing heard back from them (they will probably offer a dersiory amount first), then start your claim and stick to the timetable.

 

Good Luck :)

 

Will donate when I hopefully get my money back from them.:lol:

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  • 6 months later...

Nalin73

Did you win your claim against the Halifax for your credit card?

I sent a letter off and got my statement and I got a letter back saying something similar to your's and I am just wondering if to go ahead reguardless of what they have said.

£1,971.76 Halifax credit card

Citibank credit card 9100[/size][/size]

Refunded firstdirect bank charges £555 26/01/07

Refunded halifax charges £60 and £120 14/2/07

1st letter sent to HSBC 28/04/07 2nd letter 20/6/07 on hold

[/size]

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  • 1 month later...

Hi CatwomanYep, I finally got my fees back from them. They're quite easy to refund....other like Monument and citicards aren't!You should have no problems claiming back from them!Good luck!

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  • 2 weeks later...
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