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Lisa1977 V Halifax


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yeh carry on as normal and now they have replied you can now move onto the LBA stage, no need to wait the 14days if they have already replied and told you to sod off so you can move proceed with this. Good Luck. Keep us updated.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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well they didnt respond as such, it was just to say that they would look into it & respond in 4 weeks !

 

So I will send the LBA's off on 22nd as planned

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Thanks Nathan :p

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Can anyone tell me what this is please ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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what you didnt have to file a court claim ? thats awsome..

 

On average how long would you say the claims take altogrther from the 1st letter sent untill the ££ is paid out ?

 

and while im here anyone know what Fast Track is ? I know someone called Nigel did this & he reccomended it..does any1 know ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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no i had to file a claim, I filed it on Wed last week, deemed served to Halifax on fri, and went online to check my balance as i didnt want to bounce anything coming out tommorow lol and there was more or less £700.00 in there, from my old friends at Halifax - but they didnt waste time in trying to defend and thereforte buying another 28 days, and I suppose i see it all as hassle free as I was exempt from court fees as I am on tax credits and child credits too.

 

On average as long as you stick to your timelines, and have your charges to hand (i.e not inc the 40 days) it took me just over 5 weeks to get my money back - not bad going i dont think!!

If you need any help holler!

Sharon

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Thanks so much sharon :D

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Cheers Michael

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Fast track is when the judge decides the claim has to go to this type of court if your claim is over £5000-and £15000.I think mine would of gone down that route.It also means that either party can be eligable to the court costs.But it does have a nice advantage that you can claim disclosure and they really don''t want to do that.So unless your claims over £5000 then it wouldn't apply I don't think.Do read the FAQ's it does explain in more detail.

 

this advice is given as a lay person If not sure do seek proffessional advice.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Guys..When giving these banks etc a deadline of 14 days..is this 14 working days or just 14 days ? I sent my 1st letters to ask for the ££ back on 8th Sep. I thought I would send the LBA's on 22nd Sep - 14 normal days

 

am I right ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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14 normal days ??!! or working hon ?

 

cheers

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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cool thanks guys

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Just want to know who else is at the exact same stage as I am...

 

1st letter asking for it back sent .. 1st letter on 8th sep

LBA's....... I am due to send on 22nd Sep

Money Claim form to be completed on 6th October..

 

cheers guys..I just want a buddy !!!

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Well Guys LBA's get sent to Halifax tomorrow !

 

I have only had a response from Halifax bank account. Halifax Credit card dept have ignored me.

 

So...cant wait for them to get the LBA's...

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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http://www.consumeractiongroup.co.uk/forum/halifax-bank/25050-lisa1977-halifax.html

 

The above link relates to my progress so far with Halifax bank account & credit card.

I am due to send my LBA's tomorrow for both.

Today when I got in from work I had recieved this response from Halifax Visa claim -

 

"To demonstrate our commitment to you as a valued customer I am prepared to offer you a refund of charges to the value of £240.00 - representing the full amount of charges you have incurred since the account opening"

As soon as I read that I was shocked & thought they had given in after just 1 letter.

I then read through the'Acceptance Form' and it says -

 

"I .... Confirm that I accept the offer of £.. from Halifax/Bank of Scotland in full settlement of my complaint regarding Credit Card charges on any of my Halifax/Bank of Scotland Credit Card accounts.

 

This will be paid into my Halifax/Bank of Scotland credit card account only"

What do I do now ?

I dont want the money put onto my ex Halifax Credit Card account - I closed it over 2 years ago !!!!

Do I send the LBA anyway & also send a letter to say I will want the money transfered into my bank account ?

 

Please someone help !

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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I was thinking of sending the LBA anyway in addition to this letter -

 

 

Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4B

Re: Account number 4049 7080 0123 2787

 

Response to settlement offer.

 

Dear Ms Morris

 

Thank you for your letter dated 20th September 2006.

I respectfully decline your offer of the full settlement amount which would have to be paid into my Halifax Credit Card Account. I request, once again, that you return to me all charges imposed on this account, totalling £240.00 either to be transferred into My Halifax Bank Account OR sent to me by cheque.

 

I have included my Letter Before Action which indicates that you have until 06th October 2006 to respond before Court action commences. You are reminded that there will be no extension to this timescale.

 

I trust this clarifies my position.

What do you think ? If anyone can come up with a better worded letter then feel free to advise as I am not very good at them !

 

Or do you think I should just write to accept the offer & ask for it (nicley) to be transfered into my bank ?

 

 

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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I have just read the 1st letter I sent which is on this link

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

 

as it is headed Credit Card/ Store Card Letter & it was the only one, I sent this as the 1st letter.

 

Now I am about to send my LBA along with the response to my offer letter from them that came today & the LBA is exactly the same as the letter on the link ??

 

Do you think they have recived this & made the mistake of thinking I had written previous to the LBA & just made me an offer ?

 

There was me thinking it was all under controll...should of known -

 

dont know what to do. Im really really sorry for bugging you all - I hate to be a pain but you guys know what to do...

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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ahh thanks so much Michael. Did you read through my last post about the letter confusion ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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