Halifax SETTLED IN FULL

[Lizzy]

I had a very quick reply from my DPL. I'm not really sure they know what they are doing.

 

It said.

 

Dear Mrs ........

Request for information. Roll number (no mention of my account number anywhere on the letter).

 

Thank you for your letter requesting a complete list of transactions and charges on the above account.

 

I am currently processing your request and a copy of the information will be supplied to you as soon as possible but NO LATER THAN 15th APRIL 2006.

 

In the meantime, if you have any queries regarding your request, please do not hesitate to contact me.

 

 

Sounds ok but the letter from them is dated the 20th APRIL so they are sending me the statements 5 DAYS BEFORE I ASKED FOR THEM. Very clever I think, they must have known it was coming hee hee.

 

As you have guessed no statements as yet but the 40 day countdown is now on........................

[Spiceskull]

Don't be surprised if the reuest takes 45 days to process...considering they started 5 days early

[Lizzy]

I have received my six years of bank statements. It is unclear what the charges are for as all that is stated is Charges as Notified.

 

There are three YEARS of charges of £5 a month, I have no idea what this is for and do not know if I should include them in my claim. It could be poss that it is an unauthorised overdraft fee as I was always in the minus position. This went from 2000 to 2003 then suddenly stopped. Of course I would like to include them in my claim, it's just that £5 each month is not a huge charge as of todays standards.

 

Any ideas ?

 

Thanks Lizzy

[Bookworm]

Ask them.

 

It sounds like an overdraft fee, but is it a penalty fee? Hard to tell...

 

You have a right to know what you were charged for. Call their customer services and ask nicely.

 

.

[essjaydee]

No idea what £5 a month is, ive never had a charge as low as that before. seems that their charges are £28, £30 & £39.

 

as was said best to just ask them.

 

good luck!

[Lizzy]

I rang customer services. Without her taking any of my details she said the £5 a month was for an EXTRAS account!! when I asked what this was she said insurance, breakdown cover etc...........I had no idea I had it. Just goes to show how stupid I was, paying it without knowing. She said they stopped the account about 2 years ago.

 

Can't claim it then

[colour-me-happy]

Unfortunately not, the charge is for a service it's not a penalty.

 

Sorry to be the bearer of bad news! :-|

[Lizzy]

I have a claim with the Halifax for bank charges as you can see below.

 

What I wanted to know was can I claim for late mortgage payment charges against Birmingham Midshires for the last six years? these were about £35 a time which could add up to quite a bit.

 

The letters were along the lines of.........Because we have had to write to you a again a charge of £35 has been added to your account.

Is this the same as claiming BANK CHARGES ?

 

Regards Lizzy

[callumsgran]

YES it doesn't cost them £35 to send a letter!

[Lizzy]

Hi all.

 

I have received a letter of the Halifax with all the usual waffle on it, but this paragraph grabbed my attention as the Halifax say the charges are not a penalty. What do you think ??

 

 

"I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result"

 

ANOTHER INTERESTING PARAGRAPH

 

"The terms and conditions of your account state that you must have funds in your account to cover your transactions . We cannot be responsible if you have authorised payments against fund that were not available."

 

 

THEN WHY DO THEY PAY THEM WITH MONEY YOU HAVE NOT GOT !!!! THEN CHARGE YOU THE EARTH FOR IT.

 

Phew glad to get that off my chest

[ppauls150]

"I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result"

WTF if i am reading this right they are actually stating that you are paying for the costs for other areas in their operations ? and also stating that they are penalising you to pay for other peoples banking costs.

 

am i right in saying that is how it is written?

[Lizzy]

No I think what they are saying is they don't want anyone else to suffer because of my charges (fair enough) so they want me to pay (fair enough). I would not mind if the charges were reasonable and they stopped paying for things when I don't have money in the account and charging me.

[mechs]

Hi Lizzy take no notice of it just go ahead with your claim they are trying to put you off claiming

Good luck

[blinkyblinkyblonk]

ditto to mechs lizzy

 

 

just a waffle, chocolate, strawberry, maple??????????

 

nooooooooooo just waffle lol

 

 

I had exactly the same letter as we all did

 

just carry on

 

good luck

[Malcontent]

I got more or less the same letter this morning,

Im ignoring all the waffle about the charges incurred by Halifax.

Its your money, that they have stolen so demand it back.

Im sending an LBA to them on Monday so 14-16 days later I'll put the claim in.

Dont let them stall you for time either - get them to dance to your tune.

Good luck

[Lizzy]

Sorry I know I'm being thick, I have checked it but still don't understand it.

 

Where it says on money claim form

 

The claimant claims interest under section 69 of the County Courts Act 1984 at a rate of 8% from (date )to (date) of £0000 IS THIS OF BIT THE 8% INTEREST (in my case £169.78 OR the amount of claim less the 8% (in my case £1155.10) OR both added together ??????

 

So sorry for this, need speedy answer as filling in claim now and don't want to get it wrong at this point and blow it.

 

Thanks

 

Lizzy

 

[thewifeandI]

Hi Lizzy - it's just the calculated 8%

[nicho1120]

It is the £169.78.

[Lizzy]

Fantastic thanks ..........................

[Lizzy]

Filed Moneyclaim ref 6QZ45527 Guuuullllllllpppppppp

[jonni2bad]

Best of luck Lizzy

[Lizzy]

The Halifax have acknowledged my moneyclaim. Is this the same as defending ? anyone know what is likely to happen next? It was only yesterday and I have had nothing in the post.

 

Thanks Lizzy

[danch2000]

Lizzy,

You will probably receive a letter from the courts saying that Halifax Ackowledged xx/07/2006 and intend to defend.

 

On Moneyclaim it was served as of 10/07/2006, Halifax Ackowledged on the 12/07/2006 and then a letter received 16/07/2006 telling me the above.

 

Cheers

 

Daniel

[TBeckett100]

Lizzy, they ack mine as well yesterday, i will keep an eye on your threads

[Lizzy]

Thanks Danch.

 

TBeckett add your comments to my post if you like, you might get something before me and we can compare notes.

 

Lizzy