HOW MUCH!!! Time to RAILROAD Halifax!!

[railroader]

hi everyone, finally found the halifax page! i put a note on the welcome forum last night to say that i had gone into my local branch yesterday and requested six years of statements as i had shredded all mine last year, doh! needless to say they have ordered them for me, they were going to charge me £5 but then the assistant double checked an e-mail they had received from head office and refunded my £5! so its worth trying your branch if handy.

 

i,ll keep everyone kept up to speed on how i get on, good luck everyone!!

[strude]

Good luck to you too railroader

Looking forward to your next instalment.

[mechs]

Good luck Railroader and welcome

[railroader]

At last, 18 days after ordering my statements through my local branch, our local postie delivered 42 envelopes !! All 212 pages,thats five years worth, they sure know how to waste money in postage! Any way after spending a few hours totting up what they've charged me it comes to a grand total of £2056 without adding the intrest.

 

so i suppose the next step will be the Prelim Approach for Payment letter, also sent 5 other Subject Access letters off today, Mint,Lloyds Card Services, GE Money,Halifax Card Services,Capital One, three of these i closed last year but i'm still going to chase them!!

 

Keep you informed, see you all later, ta ta

[thewifeandI]

Well done - take it slow and easy and make use of the knowledge on this site - good luck!

[elizabeth1]

Hiya "the wife&I"

 

I just saw on your signature - you claimed 11 years charges off Halifax? How did you claim 11 years - I thought we could only go back 6 years - was it like 2 claims ?? EG : 2006 - 2000 THEN 1999 - 1993 type of thing

 

Just Curious as I want to claim as far back as I can with my bank and I am sure some of what I paid was over a longer span than 6 years - years back Abbey absolutely slayed us with charges and I so want my money back if I can do it!!

 

Thanks - sorry for interupting this thead - I promise to begin my own thread!! So I can ask my dumber than dumb questions!!

[thewifeandI]

I just claimed everything back that I had a record for, plus an estimate for the earliest statement that were missing (£5 per statement as an average charge). I also explained in my letter how I'd arrived at that amount. They paid without question (error, not paying attention, trainee???), although they're challenging the same approach on the second account (in an attempt to claw back the payment on the first one I think).

 

I'm not recommending taking this approach, but it worked for me (on one claim) - you must be prepared to lower the final settlement to just the last six years.

[railroader]

I may be just being thick, or i just can't find the right thread, but i don't have any of the Excel,Word,Office programs to open the spreadsheets, is there something else i can do to work this out? Also, is the 8% added to each charge or worked out over the whole amount being claimed?

could someone get back to me as soon as poss as i'm wanting to get this sorted to post tomorrow, thanks

[callumsgran]

go to sitemap at top of page then click on 'online calculator' thats what i do, i dont do spreadsheets!!!!

[Tinkerbelle]

It can be found in the library section here

 

Edit!!!!! LOL

 

The 8% is added to each charge not the overall whole amount

[railroader]

thanks Tinkerbelle, your a star!

 

 

Moderated : 3 threads merged , please keep to the one thread per claim when updating or asking questions as it is much easier for everyone if they can see at a glance whats has happened so far before answering any questions

[railroader]

When reading through the Prelim Letter for Repayment, there's a bit in the What I Require sub heading thats confusing me? I've been running in my overdraft for most of the year, so obviously i'm getting charged for having a agreed overdraft, so how can i work out what to reclaim? On my statements it has Interest Debited-notified then the amount, for example £18.65, is that what the bank is charging me for having the overdraft or is that what i need to reclaim.

[blacksheep1979]

You can only claim for 'fines' such as bounced cheques, returned direct debits and gping over your agreed limit - anything else such as charges for having an overdraft/interest is legit and pre-agreed to

[thewifeandI]

You can claim for interest on the part of the overdraft that was due to charges. There's a spreadsheet to work it out (see link in my sig below) - you'll need the complex version. Please read the notes in the spreadsheet (first sheet) before trying to enter any figures. There's a sticky thread at the top of the General forum with advice on this as well - it's worth looking through the last page of so of postings there.

[railroader]

hi everyone, haven't been on for a while, been awaiting halifax's response to my prelim approach for payment for just over 2k, 14 days ends on bank hol mon but expecting something back last minute tomorrow or sat! If they don't reply without an offer is it the LBA stage? Also, how does everyone get all the little writing on to they're threads , you know, every update by someone has all the action history on each thread, not everyone sits at a computer all day

[Michael Browne]

Top the page - User CP - Edit signature

[railroader]

thanking you Mr Browne

[railroader]

Received my statements from Halifax card services yesterday, but also received a letter acknowledging receipt of my request for the above and they will soon follow, but must have caught up with each other, but the intresting thing is and i quote from they're letter is,

 

"with regard to your request for information relating to manual intervention on your account,HBOS plc is under no statutory obligation to record this information and therefore, i am unable to assist further with your request."

 

Is that right ? I thought under the DPA they have to record anything like that don't they? can some one advise thanx

[railroader]

Hello peeps! its been a while since i posted , so heres a quick rundown of the state of play. Sent a Prelim Letter to halifax on the 8/8/06, 14 day deadline was 29/8/06 for a response, nothing! so Letter before action sent 30/8/06, reply received finally 7/9/06 with the standard "we are sorry you are unhappy", then today received another letter with an offer! A goodwill gesture of £400, yes thanks i'll have the £400 , but i'll have the other £1775 as well you toe rags ! So yet another letter to be sent back to Halifax asking for the rest within 14 days or they will be getting the court claim. I kind of hope it goes to that stage as i could double my money with the interest and costs, I'm not greedy am i ? Just reclaiming whats rightfully mine , right ! see you soon.

[lisa1977]

Too right you get em

[neilbass]

You are being very generous giving them another 14 days?

 

If you sent your LBA 30/8, the 14 days is to the 13/9?

 

I know they've replied in the meantime with a low offer, but I'd stick to your timetable and file your claim on the 13th.

[railroader]

thanx for your reply, but 14 "working days" is the 19th not the 13th not counting weekends, but yes we were both wrong. Anyway i'm still going to pop a letter off to Halifax to ask for the rest of my money and if a full refund is not forthcoming then the old Moneyclaim will be issued on the 19th! Does anyone know how to print off the online interest calulator without all the other stuff on the page?

[railroader]

About to issue court claim against Halifax on Moneyclaim but wondered what to write in the particulars of claim box, and do i put the total amount inc interest in the value of claim box. It says on moneyclaim that i can claim 8% per year from when the money was owed but i thought you claim 8% on every charge,is that right? also what do you put as a daily rate of interest?

[kydcarmen]

Hi, there is a template for particulars of claim in the library but you will have to shorten it somehow to fit in the moneyclaim form, as you can only have a certain number of words with the moneyclaim.

[pugsley]

use the spreadsheet in the templates section to work out your daily rate of interest I believe it's the total interest x 00022, there might be another 0 there going to check