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LMoore v's Halifax


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Hi everyone,

 

Firstly, a massive thank you to those who've put this website together and provided such vital information to us all.

 

Ok, my DPA has gone, 1st class recorded delivery to the 'Customer Relations' address detailed in the Halifax Contact Details thread.

 

My initial rough calculations suggest they've taken around £600 from me in the past few years in charges, of which many were as a direct result of them charging me in the first place...

 

Anyhow, its very early days so i'm not going to get too excited (better get my best suit to the cleaners incase I need to put in a court appearance) although its encouraging to read some of the other threads where people are obviously having some success.

 

I'll make sure i keep this thread upto date with my progress, bye for now.

 

Cheers,

Leigh.

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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  • 2 weeks later...

Had a reply from the Halifax (Trinity Road address) in response to my DPA, just a confirmation of receipt really, but thats better than nothing, however its interesting that it pertains to come from a "Data Protection Consultant":

 

Thank you for your letter requesting a complete list of transactions and charges on the above account.

 

I am currently processing your request and a copy of the information will be supplied to you as soon as possible.

 

In the meantime, if you have any queries regarding your request, please do not hesitate to contact me.

 

Yours sincerely

 

Julie O'Donnell

Data Protection Consultant

Retail Business Risk

 

I'll keep this thread updated with my progress.

 

Cheers,

Leigh.

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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Received a second letter today from the the Halifax, which i can only assume is an attempt to buy more time, or to avoid having to provide any information.

 

Thank you for your recent correspondence regarding the above account.

 

We can provide the information requested but to do so, there is a £5 statement charge.

 

However, if you wish to continue with the Data Protection Act disclosure request, please advise us of this and we will refund you with £5.00 (as £10.00 received from you.)
No action will be taken until we receive this
.

 

Please note that the majority of transactions on your account are automated and all application of charges is automated. The only manual intervention around charges would be when a refund is made
.

 

Therefore, if you require any further information please contact us.

 

Yours sincerely

 

Nicola Cormack

I called the call centre and was put on hold for at least 10 minutes, but finally managed to convey the fact that i still want to proceed with the DPA disclosure as i beleive that this way, i controll when they send the info to me, rather than them dragging their heels over a simple statement request.

 

I have also sent them a written confirmation of this and faxed it so there's little chance that they can claim they haven't received my reply.

 

I've also reitterated that i also want details of any manual intervention relating to the bouncing of direct debits and not just the application of charges.

 

Here's the letter i've sent to them in case anyone wants to use it:

 

Dear Sir/Madam

 

 

With reference to your recent letter dated 6th April 2006 and my telephone conversation today with your call centre representative, Deborah Griffin.

 

Please note that I wish to continue with my Data Protection Act Disclosure request for disclosure of all activity on the above account since it was opened in 2003.

 

Please also note that I require details relating to manual intervention leading to, or resulting in charges being applied to my account and not simply the application of the charges themselves.

 

Specifically I require details of manual intervention required as a direct result of you having to refuse a direct debit payment from my account due to insufficient funds being available. If there are no records of such manual intervention then please state this as part of your response.

 

May I respectfully remind you that the deadline for this information to be provided is still 40 days from my original letter of March 27th 2006 and failure to provide the requested information within the timescales set out in the legislation will result in this matter being referred to the Information Commissioner without further warning.

 

Yours faithfully

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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We seem to be following the same path. I also had a reply from Julie O'Donnell stating the same. They have now cashed my £10 cheque so I will probably have the second letter asking for permission to refund £5 of it back before they can send out my statements. They are just buying time!!! I will ring them tommorrow if I don't hear anything.

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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Yes i agree, definitely trying to buy more time... which if the charges were legitimate, you'd think they wouldn't need to bother doing!

 

Good luck with your claim scarlet.

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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  • 3 weeks later...

'Investors Account Report' arrived today. At 1st look, they've taken £1566.48 since i opened the account in Aug 2003.

 

Going to go through it again to make sure i haven't missed anything and send my request for repayment ASAP.

 

Fingers crossed!!!

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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  • 2 weeks later...

Had a letter today in response to my initial request. Seems to be the standard letter most people are getting:

 

"Understand you're unhappy with charges... We're keen to deal with concerns... Customer relationship manager will investigate... Here's a leaflet..."

 

Oh well, LBA will be going off on Thursday of next week...

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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  • 2 weeks later...

Hi everyone,

 

As i've had no further response to my initial request, I sent my LBA on 18/05/2006.

 

If i get nothing before the 14 day deadline expires, i'll be issuing my Money Claim on Monday June 5th... Watch this space!

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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  • 2 weeks later...

Finally had a response to my LBA, a rather insulting 'full and final settlement' offer of £273... I called to reject this amount and was immediately offered £535. Again like many other people on this site, i've got absolutely no idea how they arrive at these figures.

 

I told them that like their initial offer, this too was not sufficient, unless it was an interim offer and the balance would be paid within 7 days. To this I was told that this was their FINAL offer.

 

I remained polite throughout and ended the call by stating I would be putting in a court claim today... which I've just done!!!

 

Including interest and costs, i'm claiming £1836.36 so fingers crossed! To be honest, as I clicked the submit button on the money claim website I felt really sick, no idea why but hey. I felt a little better however when i paid the court fees with my Halifax Visa Debit card he-he!

 

Wish me luck,

 

Leigh.

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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We are at exactly the same stage I am on the moneyclaim form at the moment but I am having trouble working out the 8% interest to add to the claim. My software is microsoft works database which isn't supporting any of the spreadsheets on the site. I have been trying to download the free alternative to excel but without broadband it has taken over 1 hour already and still downloading. Do you have any advice? Of the £1836.36 how much is interest out of curiosity.

 

thanks

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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Hi,

 

The claim itself is for £1,566.48, plus £149.88 interest and £120 costs, totalling £1836.36.

 

The interest though could realistically be completely different on a claim of similar value, depending on the age and value of the specific amounts.

 

You can download a 60 day trial version of Microsoft Office Standard Edition from the Microsoft website, which should enable you to use the Excel version of the interest calculator. Click here: http://www.microsoft.com/office/editions/prodinfo/standardtrial.mspx

 

Microsoft also have an 'Excel Viewer' available to download, but it only allows you to open, view and print Excel files, but will mean you can still access the files you create with the trial version after the trial has expired. You can download it here: http://www.microsoft.com/downloads/details.aspx?FamilyId=C8378BF4-996C-4569-B547-75EDBD03AAF0&displaylang=en.

 

Hope this helps,

 

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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Including interest and costs, i'm claiming £1836.36 so fingers crossed! To be honest, as I clicked the submit button on the money claim website I felt really sick, no idea why but hey. I felt a little better however when i paid the court fees with my Halifax Visa Debit card he-he!

 

Wish me luck,

 

Leigh.

 

Good Luck Leigh - I'm a few days behind you, first MCOL on 8th, with another one a week later (in different valid names to avoid them being combined)! :D

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!

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Hi Leigh

 

Just to say that I am also at exactly the same stage as you. Had my claim which was issued on 5/6/6 "acknowledged" today.

 

Good luck.

 

Mariana

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Cool, i had a confirmation from the court today which said the claim would be considered served on 11/06/06, which gives Halifax until 25/06/06 to respond.

 

No doubt they'll delay as long as possible but i'm happy to play the game if that's what's required.

 

Good luck to you and everyone els going through the same.

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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bet their busy, my issue date was 6/6/06 - good luck all :)

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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  • 2 weeks later...

Oh my god, had a letter from the Halifax this morning stating that although they intended to defend my action against them, due to commercial reasons they have decided to settle... commercial reasons my @rse, they know when they're beaten!!!

 

A massive thank you to all at the CAG, as without them i would never have gotten anywhere near getting these charges back!

 

Good luck to everyone still in the thick of things, hang tight and you'll get what's yours.

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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Congratulations.gif

 

 

does it state how they will be repaying you ?

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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As i still bank with them they've deposited it straight into my account... and i've promptly moved it into another account elsewhere... just incase lol.

 

Cheers,

Leigh

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Halifax A/c #1:

Court Claim Submitted: 05/06/2006 £1,836.36 - SETTLED IN FULL 22/06/2006!

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