Dolling v Halifax ***WON***

[thedollings]

We want to claim back our charges, but dont have bank statements for certain months in 2005 and none for 2004 backwards.

 

Do we need to request copy statements from the Halifax so that we can schedule out all our charges etc & do we need to list all the charges we want to claim back?????

 

Can anyone help us please.

 

Thanks

[thewifeandI]

Hi! If you check the FAQs and template letters you'll find all the information you need (unless you have a pretty rare situation). Read through, and check out the threads in here in the Halifax forum to see the experiences of others who have gone before you.

 

You will need to send a DPA letter (read the full instructions for sending it) and once you have all the statements required work out a list of all your unlawful bank charges. Follow the Step by Step Instructions in the FAQ forum to see what to do next. Good luck!

[Michael Browne]

Welcome.

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out to refer to later

 

Then look at other threads in your bank's forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything.

 

There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank's forum and post your progress and any questions there

 

Good luck

 

Look here for DPA letter template to obtain all your transaction history

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

[thedollings]

Thanks for your prompt responses. I posted the thread prior to discovering the very useful FAQ section that spells things out nicely.

 

Sorry for being a pain. - Will spend tomorrow night having a good read through the forum now that i have managed to find out how to navigate around the site.

[stitcherbaker]

Hi good luck dont worry too much about the mods their bite is worse than their bark. Look at the faq and read around and youll do fine. Im new at this too but everyone on here is behind you

[thedollings]

I have drafted the Data Protection letter tonight using the standard template and printed off ready to post tomorrow.

 

The ball has started rolling, so wish us luck!!!!

 

We calvulated £913 in charges in the last 2 years from the statements we had (missing about 5 months from that) - so lets see what all of the info they send shows us in relation to charges in the last 6 years

 

Will keep you all posted

[thewifeandI]

Well done for getting it off the launch pad! If you stick to the information here you won't need much luck!

[thedollings]

We sent our preliminary letter of claim on 31st August 2006 (1st Request) as the standard form on the Forums

say to (After request for statements etc).

 

Our 1st Letter went to our branch manager - should we send the 2nd one to him too???

 

Charges Total = £ 3,911.

 

It is now 13th September and we have not heard a thing - Is this normal.

 

We are going to follow up with our 2nd letter tomorrow.

 

Let's see what happens next.

[mechs]

Personaly we used the head office, as they will be dealing with it from now on

[thedollings]

Thanks Mechs:)

 

Is it worth sending our 2nd letter to head office and enclose the 1st letter with it so that it will demonstrate the previous correspondance issued - also, will it be usefult to state in the 2nd letter to head office that we have

had no response or acknowledgement from the branch in respect of the 1st letter???

 

Is there anyone in particular we need to address the letter to @ head office???

[mechs]

yes cant see why you cant send both letters to head office ....customer relations someone will open it if you send it like that

[thedollings]

Thanks Mech

 

Will send letter tomorrow night all being well:)

[Bubble]

I only sent letters to Head Office (Trinity Road, HX1 2RG). Each letter I received was from a different person so I assume my Dear Sir / Madam was sufficient. The letter that finally offered a full refund was from Rachel Sandbrook, Customer Relation Manager PO Box 548 Leeds LS1 1WU.

 

Good luck

 

Bubble

[caro]

Threads merged.

[thedollings]

Caro

 

What do you mean when you say "Threads Merged"????

[caro]

You had started several different threads with different questions, but it is easier to keep all your questions and information on one thread so others can follow your progress more easily from start to finish.

[thedollings]

We have issued our LBA today (20/9/2006) to Halifax Head Office

 

Total Value of Claim = £3,911 (Charges) + £955.94 (Interest). We used the Spreadhseet template to calculate the interest.

 

Fingers crossed now, because in 14 days we will be filing with the courts!!!!!! :eek:

[thedollings]

HELP!!!:o :o :o

 

I have just been reading a section of the FAQ's that i have not read before in too much depth, where it states that i should not apply the 8% interest calculation until I claim through the courts

 

Is the above correct and should I omit this from the schedule I send with the LBA and just claim the charges at this stage???? (fortunately, wer havent posted the letter yet - missed the postman!!)

 

I really hope someone will be able to give me some clear and concise advise on this, as i dont want to get it wrong at this stage now.

[thewifeandI]

It is correct - s69 (8%) interest at Moneyclaim stage only. Leave it out of your Prelim/LBA schedule of charges.

[thedollings]

Thanks for that - will omit that part from the schedule at this stage and post the letter today

[thedollings]

Hi All

 

Sent LBA Letter 22/9/2006. - Received a letter from the Halifax 24/9/2006, which in brief says: -

 

They are sorry that we are unhappy with charges applied to our account. A customer relations Manager will investigate the points we have raised and we will receive a reply shortly, but certainly no more than 4 weeks.

 

Is the above normal, as I havent seen this sort of reply posted on other threads before - please help!!!

 

What should we do?? - anyhting or just wait till 14 days are up and start court proceedings????

[caro]

Perfectly normal. Stick to your timetable not theirs.

[thedollings]

It appears that we may be getting somewhere!!!

 

We received a letter on the 3rd October 2006 explaining that they incur costs for every transaction made .... blah blah blah - As a gesture of goodwill they are offering £757 against our £3,911 claim and they reserve the right to close our account if we do not manage it properly blah blah. - I dont think we will just accept it and stop there will we!!!!!!!!!!

 

I Take it that we write back stating that in the interim period we accept their offer, but require the remainding balance of our claim to be paid in full and we will continue with Legal Proceedings to recover them.

[thedollings]

Have responded back to them this evening declining their offer and confirming that court proceeding will be commencing very shortly to recover the charges.

 

Will file the Money Claim forms over the weekend all being well

[thedollings]

I have just been reading the pages in the FAQ section of the forums relating to Filing my Claim through the Courts and have one question -

 

If I use the Online Money Claim website method, do I need to attach my schedule of Bank charges to the online claim form, as the FAQ's on this site do not make it clear. :?

 

It appears that you do need to issue the charges schedule if you go the old fashioned route and file it with the court themselves -

 

Someone please help!!! :???: