Jump to content


Mike v Halifax ***WON***


Please note that this topic has not had any new posts for the last 5195 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Ok, been reading through all these threads over the last few days, and believe I too have a case here. I did send them a letter back in April, but that was before I was aware it'd cost me a tenner to get all my statements, and haven't actually heard anything back (funny that..!).

So, I've got my Subject Access Request letter here, and will be off to the post office on Friday to post it along with my cheque for ten pounds!

Just out of interest, has anybody had their account closed by the Halifax at all? I have applied for an account with Natwest, but my credit rating is pretty appalling so am living in hope that if they turn me down, the Halifax and I can still be friends after all this.

 

I wonder, do you think anyone from the banks reads this site? Just picture it now, some big shot bank manager shaking in his boots when he sees the line 'Mike vs Halifax'. Do you think bank staff get charged, when they go overdrawn - and do you think they have to go through all this trouble getting their money back...? Just a thought.

 

Anyway, wish me luck, I'll keep you posted! :D

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

The banks are having to be much more careful about closing accounts now as the latest Banking Code Bulletin is stressing their responsibilities. Bank staff will get charged and can be disciplined for having charges.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

Thanks, that's a comfort!! Letter & cheque posted this morning. When do you think I'll get my statements back?

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

1 to 5 weeks - no telling!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites
  • 2 weeks later...

Ok, cheque was cashed yesterday, so hopefully it'll not be too long till I get my statements. I hate waiting...

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

Letter received on Sat from HBOS PLC saying that statements has been ordered... w00t...

Also normal shpiel about manual intervention not being recorded so unable to supply any info... mwahahaha... bet they wished they'd kept a paper trail now...!

At the moment I've not got a clue how much they owe me... hope it's thousands :)

These bank charges are a great investment for the future, huh? Might see about getting a few more to claim back in 6 years!

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

All statements received over last 2 days, 51 pages in total, and charges of £1359 in total :D woohoo... now, the next step. Am gonna send letter requesting it back in the morning!

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

Managed to get prelim & schedule of charges posted today... the countdown begins...

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

Incidentally... I got a nice letter from Halifax informing me of another £39 charge which will come out in 5 days... thus putting me over my OD limit, and causing another £28 charge... and all for a failed direct debit to the value of £2.29.

I called them up and asked them to remove it and she said no because they've already removed 2 out of 'goodwill' already this year. She did say she agreed it was unfair though. She also confirmed it doesn't cost them £39. I knew it anyway... but nice to hear it from the horse's mouth!

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

Your item with reference DHblahblahblah was delivered from our HALIFAX Delivery Office on 15/09/06 :)

So 2 weeks from now then till I can issue LBA, right?

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

Add the extra charges to you LBA letter and update your spreadsheet to send with it, 2 weeks from now yes then the LBA

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

Ok, 2 letters received yesterday...

 

1. We are sorry to hear you're unhappy... blah blah blah...

 

2. You are over your authorised overdraft limit (they chose to omit 'because we have applied a £39 charge to your account'... moneygrabbing swines...), so we're charging you £28 at the end of next month.

 

I'm hoping to have all this settled in the next few weeks, am due to issue LBA next Friday, and think that by the end of next month I'll be all done. Does this mean I have to go through the whole process again to reclaim my £28 at the end of October, or can I put it on my spreadsheet as a pending charge? :confused:

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

As they've promised that they will be taking the charge, and it will come out before they pay up, there's no reason not to include it in an updated schedule with your LBA - that's what I did, charges and interest as notified in advance.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

I'm not convinced that it will come out before they pay up.

The money won't come out of my account until 31st October - and I'm only 3 weeks away from MCOL now (which will be done 13th October).

Should I just leave it for now, and then call them when they take the money, suggesting that they give it back - pointing out that I've taken it further before, and will again if needs be?

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

They've still scheduled it to come out, and Halifax have 28 days (if they file to defend, which they will) before they have to pay up to avoid court. I asked for my new charges back when I phoned them about my settlement offer and they refused, so I've had to start a new claim.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

Ok, LBA is due to be sent on Fri, just want to double check, do I need to include the interest on my schedule of charges, the 8% stuff I mean, or do I hold off on that till MCOL? I'm fairly sure I hold off, just checking!

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites

Settlement offer received from Phil Giamarita (review manager, customer relations in Leeds), dated 28/09/2006 - £649!!! It's a grand short of what I'm claiming, rejection letter ready to post in their prepaid envelope :p !

Where do they come up with these offers? I've seen smaller offers on larger amounts!!!

Who gives you Xtra? :confused:

 

=========================================

HALIFAX PLC

 

PAID IN FULL - £1799.20 31/10/06

 

Round 2 - Prelim sent 29/06/07

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...