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reclaiming from Halifax PLC


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Hi everyone

After being told by a friend of their success, following the advice on this site, I decided to have a look myself.

I requested past statements from the Halifax and so far they've sent me 3 years worth. I was horrified at how much I had been charged over this period.

As a student I was granted a £1000 overdraft. During my time at University and during a short period of unemployment after leaving I was charged (including interest) .....yes you guessed it - over £1000 in charges!! I am unable at present to clear this amount, (well I do on payday, but it's soon full up again!) So the whole of my overdraft is made up of charges, which are in turn attracting overdraft interest. This is absolutely ludicrous.

I am also issuing a claim for repayment of charges on my Halifax credit card which were applied over the same period. The fees here are more than I currently owe on the card!

So in short, all my debt with Halifax PLC can be said to be as a result of banking charges, from which they are still making a tidy sum in interest

I fully intent to take this all the way to court if necessary, in fact after examining my banking history and waking up to the way in which charges issued when I was stuggling financially, are still effecting my life today, I am actually quite keen to have my day in court and expose the way in which I was 'allowed' to plunge into debt and then stung for it! (and am still being stung for it).

I hope to be back with tales of success very shortly, and hopefully will pick up some useful tips to share on this forum on my journey.

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Welcome - keep us posted :grin:

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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Could someone give me some advice please?

 

I've written to Halifax Card Services requesting repayment of charges applied to my creditd card and am awaiting a response.

 

With regard to my cuurent account. Although I made a Data protection disclosure request I have only recieved info from 2000-2003.

 

I am going to send a letter asking for statements from 2003 to present. I am also considering requesting repayment of the charges I have calculated from the statements I am already in possesion of, simply to get the ball rolling.

 

Has anyone got any advice about this? Should I wait for the rest of the info and send in just one claim or am I ok to send two reqests in? Are the Halifax enticing me to submit a request for three years only for some reason? Have they found a loophole to exploit?

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