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1970

I want another refund

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Hi,

 

I successfully obtained a refund of £3500 last year from the Halifax based on a hardship claim.

 

We used the money to pay off some payday loans.

 

I recently switched to BT and have 4 direct debits for the new service. As the service is new I was not quite sure when when the first direct debit would come out. My money was sat in the savings account not the current account.

 

As a result I have been hit with 4 x £30 in one day by the halifax for returned DD charges.

 

I went to the branch to complain and I saw on their screen: NO FURTHER REFUNDS OF CHARGES FOR THIS CUSTOMER!

 

Nice.

 

Hence I was told to get stuffed.

 

Anyway, if I've had a refund previously does this exclude me from any further refunds?

 

I can still claim hardship so I'm tempted to start the process again.

 

Cheers

 

1970


It's going to be an interesting year...

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Hi,

 

I successfully obtained a refund of £3500 last year from the Halifax based on a hardship claim.

 

We used the money to pay off some payday loans.

 

I recently switched to BT and have 4 direct debits for the new service. As the service is new I was not quite sure when when the first direct debit would come out. My money was sat in the savings account not the current account.

 

As a result I have been hit with 4 x £30 in one day by the halifax for returned DD charges.

 

I went to the branch to complain and I saw on their screen: NO FURTHER REFUNDS OF CHARGES FOR THIS CUSTOMER!

 

Nice.

 

Hence I was told to get stuffed.

 

Anyway, if I've had a refund previously does this exclude me from any further refunds?

 

I can still claim hardship so I'm tempted to start the process again.

 

Cheers

 

1970

You can reclaim again but if you go down the Hardship route you need to prove financial hardship today, ie priority debt arrears(mortgage/rent, council tax, utilities) otherwise they will say you will have to wait for the conclusion of the OFT test case for a resolution of this one.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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If you can't go the hardship route, then it is still advisable to start a claim, as when it gets to court it will get stayed, but it also means the 8% interest will be getting added to your amount. ;)


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If you can't go the hardship route, then it is still advisable to start a claim, as when it gets to court it will get stayed, but it also means the 8% interest will be getting added to your amount. ;)

Why? I don't see the logic


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I can still show hardship today. The £3500 they refunded only scratched the surface lol.

 

1970.


It's going to be an interesting year...

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It is ALWAYS advisable to start a claim, regardless of a claim being hardship or not.


HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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It is ALWAYS advisable to start a claim, regardless of a claim being hardship or not.

My issue was COURT claim since a claim acknowledged by the bank should be sufficient since it is recorded by the bank(which has to give returns to the FSA ;) ).


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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