New member - advice please?

[tracyandwardp]

Hi all

 

I have been reading a few of the posts here with great interest but can't seem to find an answer to this so if someone can help me then please do.

 

I have been with the Halifax for 6 years and my husband has been with them (seperate account) for 14 years. We have moved accounts just recently to a different bank and now only have a basic account (no overdraft etc). There is now no money going into our Halifax accounts so basically my question is this: Can we still claim our charges even though we are not paying anything into the accounts? Also we live in Scotland so i was wondering if we can still claim for 6 years of charges or if the Scottish law on this is different?

 

Also one quick question - don't mean to sound daft but where is the template library that i have seen a few people typing about on here? I know it is probably staring me in the face so don't laugh please!!

[Michael Browne]

Welcome.

 

Yes you can still claim, but only 5 years in Scotland and only £750 in the small claims court

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out to refer to later

FAQs are here:

http://www.consumeractiongroup.co.uk/forum/

and letter template library just below

 

Then look at other threads in your bank's forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything.

 

There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank's forum and post your progress and any questions there and you'll get plenty of help

 

Good luck

[tracyandwardp]

Thank you

[tracyandwardp]

does this mean that i can only claim for £750 of charges? Rough estimate at moment near on £2000!

[lickthewallfatboy]

you'll most likely have to split your claim

 

do a site search for "sever" for relevant threads

[tracyandwardp]

Great thanks

[tracyandwardp]

Sorry to be a pain again people. Was wondering where the best place is to send Data Protection Act letter for my statements? Would my local branch accept it?

 

Just got off the phone to the most "helpful" employee who wouldn't give me an address or name of someone to send them to. Hope she can sleep at night!

 

Also, do i make out the postal order for £10 in the name of the branch manager or Halifax PLC or is it something else? Sorry for all the questions - i'm trying to get my head round things (school holidays - not easy to concentrate!). Read a thread by someone not long ago by someone (think his name is johnny2 - sorry if i've got it wrong) but can't find it again. Does anyone know where i can find it? Would really like to know how he got on?

 

Thanks in advance for your help with these questions:)