Barb v Halifax ***SETTLED IN FULL***

[bagsnballs]

Really fed up with this claim today nothing has happened .........don't know if I should be doing anything ........I was really hoping for a cheque or some communication from Halifax to drop through the letter box !!!!!!!!!!!!!

[bagsnballs]

Feeling more positive today !!!! Have even found time to add a signature ....so there is somewhere to write the words "Settled in Full"........ SOON !!!!!!!!!!

[bagsnballs]

I phoned Rachel Hinchcliffe on 01422 391096 and within 24 hours of me first talking to her politely but firmly ,I received PAYMENT IN FULL with no admission of liability ........

 

Please Moderator can I have the Mexican wave of little people ?????

and I don't konw how to change my user name so it says **WON** afterwards please advice !!!

[morgan054]

CONGRATULATIONS

Worth the wait in the end

[jonni2bad]

CONGRATULATIONS

 

Don't forget our survey!!!

[bagsnballs]

Thanks to everybody for helping and trying to keep me sane throughout ........

[nikki6780]

Congrats bagsnballs!

Just out of curiousity who is Rachel Hinchcliffe? I filed my claim at my local county court last friday and have not heard anything, ahh all this waiting is driving me crazy!

Phoned the court just now and have been told they are short staffed and will be dealing with last weeks claims next week, dont they know what they are doing to me?!

The kind lady who helped me with my claim said I would hear this week but now it's going to be another 2 weeks probably.

Anyway will hopefully be posting I have won soon

Happy spending

Nikki x

[roberto]

I'm in the same position had acknowledgement from courts stating halifax intend to defend, but not heard anything since I received that last week. Could some one tell me who this rachel Hinchcliffe is as I would like to ring her and get my cash back. also what did you tell her to get it speeded up?

[bagsnballs]

Racehel Hinchcliffe is the Litigation Lawyer ..Sales Retail Division 01422 391096

Halifax PLC

Trinity Road

Halifax

 

She claimed that my paperwork didn't get as far as her but when I rang her she managed to get all sorted very quickly ......in 24 hours she faxed a letter to me and put the money direct in to my account ......all she has asked me to do is write to the court to confirm everything is sorted .....

[roberto]

I haven't heard anything from Halifax since the courts sent me a letter saying they intend to defend. I had mine acknowledged on 24th august 06, so going by your time scale I should have been paid up by 9th september 06. If they don't pay me by then do you think it might be worth me calling this Rachel Hinchcliffe and asking her to sort it.

[bagsnballs]

I only ever had 2 short letters saying no refund and 3 sets of statements from Halifax.......Oh and a letter offering to increase my bank loan !!!!!!!!

I think they may be playing a waiting game to scare already vulnerable people ..........I don't know about anybody else on this forum but some of these bank charges meant I went to bed hungry and depressed .........they seem to be inflicted on the poorer people in society so the richer get their banking free .......I suspect they are making a fortune out of benefit payments that now go into bank accounts ........ don't let them scare you .......... look at the figures

if they charge 1 million people £30 for exceeding the overdraft limit how much do they make ????? Silly question but the answer is a shock !!!!!

When I went in to withdraw my refunded charges the assistant adviced me that the account I had it in wasn't a very good rate of interest , I just smiled thinking this money had earnt me 8% !!!!

[roberto]

That's a good point about the 8% hadn't thought of it like that.

 

I know what you mean about penalising the less able to pay as I'm self employed and have 5 children and there has been months when these charges have been around the 200 quid mark and we have had to leave other bills unpaid to make sure we didn't go over the overdraft again nad they have you in such a position that they always get there charges paid first. It good to see so many people getting something back of them. The problem is they have probably made more in interest over the six years then what they are paying out. It's about time the government stepped in and made them pay these back to everyone who has been charged.

[bagsnballs]

I am also selfemployed and most of my charges have been whilst funds are clearing ...I suspect that they are quietly paying up at the moment as they know they can not get away with this arrangement for much longer ..........there is no excuse for cheques to take so long to clear ...and what is all this????? if you pay in after 3.30 it count s as the next day .....all clever manoevures to actually have our money for longer in their grubby little mitts . I also had months when the charges reached £200 , and I have kids, my business is small and I can't affford a business account but we can just about survive if I don't have these charges !!!!!

I have now reduced my overdraft as I think it is very easy to have an attitude of

"oh well its overdraft lets just spend it " and now I watch cheques clear online and then spend the money ..not before and hopefully no charges ever agin ....just everybody can wait

[nigel1804]

I too am self employed and have suffered the degredation of not having bills payed because the Halifax thought they needed the money more than I did to pay my bills.I'd like to meet the person (keeping it polite here)that told me I was abusing my account when he rang from there call centre to tell me off about the state of my account,It was in that state because they had taken out bank charges and he accused me of abusing my account.I'm sure you can imagine how fuming I was, not a single helpful word.I wish I had this guys name and the date he rang me I drag his sorry ass through the court and he be out of a job be out of a job. :mad: :mad: :mad: The only sad part about this is that no one will suffer the consiquecies in these banks,there all like football managers,jobs for the boys,you can be the worst of the worst and still come out financially rediculasly better off.CONGRATULATIONS BARB.

[MATTNPAT3841]

I Have Just Received A Reply To My First Letter Saying They Are Sorry I Am Unhappy And Will Deal With My Case Within 4 Weeks!!!!!! I Asked For A List Of Charges For The Last 6 Years But Have Not Received It So How Can I Send The Lba If I Dont Know How Much I Am Claiming.

[reginafilangie]

I Have Just Received A Reply To My First Letter Saying They Are Sorry I Am Unhappy And Will Deal With My Case Within 4 Weeks!!!!!! I Asked For A List Of Charges For The Last 6 Years But Have Not Received It So How Can I Send The Lba If I Dont Know How Much I Am Claiming.

 

Read through the FAQ's on this site and most importantly keep to your timescale! Did you send them the £10 statutory fee? I wrote to halifax asking for a list of all charges on my account and gave them permission to deduct the fee from my account. I then got a letter back saying "do you confirm that you give permission for us to take £5" so I was like, oh well that's a fiver less than I expected so I wrote back and said yes. I was then sent an "investors Account Report" which was clearly sent to put me off - it was gibberish to me and something only someone working in a bank would understand. I also noticed the information was incomplete as it only went to Oct 05. I found a thread on here with someone's details so I rang him - Mark Kellett - and he was great, really helpful. He even apologised for my inconvenience. Anyway, they never actually took the £5 fee so it turns out I got the info for free. I told him i'd received the IAR and he said they're really hard to figure out so he printed off my statements there and then and also got his mate to print off a list just with the charges info on it! He sent them special delivery and I got them the next day. Ring if you aren't getting anywhere but try to keep most of it in writing as evidence, and always get proof of posting.

 

I worked out they only owe me about £288 but i've send my prelim so waiting to see what happens now. Fingers crossed - good luck with your claim!!

[nigel1804]

Have you sent the data protection letter asking for the statements?allow 40 days for them to respond its sounds like you've missed the first stage and they will mess you around like mad stick to data protection act letter (SEE IN template library) allow 40 days for them to return.when they arrive add up charges send the "prelim letter" asking for the returns of money allow 14 days,then send "letter before action" if they don't send your money back.then you do your Money claim or N1 form if you prefer to take it into the court yourself and at this stage and only at this stage do you add the 8% section 69 County Court act 1984 in terestGo through the FAQ's keep reading you'll get the jist eventually.Regards Nigel

[nigel1804]

They will get a feeling of you don't know what you are doing Its done this way so it will with stand in court.then they know you mean business and that its probably come with help from this site and thats a lot of help and power to your case.