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Maniped V Halifax - Advice please


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Guest maniped

Having read postings and advice here decided to be bold and go for it. I've asked and even pleaded with Bank in the past to refund monthly charges pointing out only income into account was Incapacity Benefits- needless to say I was wasting my breathe. They left me penniless at times and feeling so inadequate. Thanks to CAG I can now confidently go ahead and request charges for last 6 yrs on my current account (pity about limit-had account 20yrs). My confidence has returned knowing that I am not the only person who has ended up with charges because of their own charges and antiquated clearance system.

 

27 July - DPA request sent recorded delivery to local branch for 6yrs bank statements).

31 July - Acknowledgement from local branch and PO for £10.00 fee returned 'we are dealing with these requests on an informal basis'

07 Aug am - sent hastener to bank and reminder of their obligations. Also

rang Customer Relations quoted on website as Dept dealing with 'requests for statements'. I was informed they have no way of knowing status of such a request ie done/sent/actioned, because someone had to manually go and seek them out from a vault in another building'. yep unbelievable aint it - I hope it had lots of spiderwebs! I confirmed I was speaking to the correct number- 'yes you are'. With this in mind I called local branch telling them of this.

pm - phone call from branch manager giving me Halifax reference no.

relating to my DPA request. Told me if I contacted Customer Relations I must give what they call a 'Solve it' reference and I would then be connected to the mystery oops sorry right person!

 

watch this space -

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You will need to be patient.......they do have 40 days to comply and it looks like your request is in the system.

 

Once they reply you will be given a claim ref no for you to use when contacting them.

 

The dpa wait is probably the most tedious stage but a period you should use well to search the site and clue yourself up.

 

Until the statements arrive there is little you can do as long as they are inside the 40 days.

 

Only consolation I can offer is that Halifax are doing the claims quite efficiently now given the numbers who are claiming..........not a task I would like.

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...
Guest maniped

At last a response from them. Received a blah blah blah letter offering £130 as a gesture of goodwill in respect of charges as well as in full and final settlement of complaint.

 

Not what I was expecting as I've not yet received any statements under my DPA request (13 out of 40 days left to comply):confused:. This insulting amount will need to be multiplied many times before I accept 'full and final settlement'. Am not looking forward to discovering how much I really have paid in bank charges!

Watch this space??????

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I agree.......keep at em !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...
Guest maniped

I'm in a quandary now. Having sent Data Protection Act request only, I received response offering £130 as full and final settlement to my complaint. I think they've jumped the gun as this is the response I would have expected from the next step the Prelim letter asking for refund, remembering at this point I have no idea of the amt I will be asking to be returned, Anyway I sent letter back declining offer, want all charges returned, though accept as part settlement ..etc etc...No reply to this to date.

 

I've received a very basic list of charges over 6 yrs re Data Protection Act request, ie charges as notified, amt, date. This totals £2489.00 without interest deducted/added, as no detail rec'd yet. So I'm about to send off Data Protection Act non compliance letter re incomplete info, let's face it they would do it to me if the ball was on the other foot.

 

Now my question is, as Halifax made me an offer albeit jumping the gun and complete with sign this form etc; should I still send the prelim letter or go straight for the LBA along with my schedule, (which as it stands is same as the basic info they supplied)? ?

 

Appreciate your thoughts and advice please.

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  • 2 weeks later...

Thought I should give an update on my situation. Having submitted DPA SAR letter on 27 July it appears the Helifax jumped the gun a bit and came straight back with a blah blah letter offering £130 as refund of charges in the name of goodwill etc. I accepted amount as part payment only. Eventually received basic list of 'charges incurred' from bank on 2 Sep. In the absence of detailed breakdown of charges I then requested refund for £2489. Received yet another blah blah your responsible etc letter from bank today, this time offering £368.

 

Considering they've made me two pathetic offers should/can I just go straight to Court, rather than give them yet another 14 days by replying? Are these delay tactics I wonder? I Any comments welcome.

 

Thanks

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Thought I should give an update on my situation. Having submitted Data Protection Act S.A.R - (Subject Access Request) letter on 27 July it appears the Helifax jumped the gun a bit and came straight back with a blah blah letter offering £130 as refund of charges in the name of goodwill etc. I accepted amount as part payment only. Eventually received basic list of 'charges incurred' from bank on 2 Sep. In the absence of detailed breakdown of charges I then requested refund for £2489. Received yet another blah blah your responsible etc letter from bank today, this time offering £368.

 

Considering they've made me two pathetic offers should/can I just go straight to Court, rather than give them yet another 14 days by replying? Are these delay tactics I wonder? I Any comments welcome.

 

Thanks

 

hi stick to the correct timetable, dont them a chance to delay or have your claim struck out.:D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Thanks for your replies which I appreciated in my moment of frustration. You're right I will stick to the plan of attack. LBA on its way!

 

Excellent keep us posted.:D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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14 days is considered reasonable.

If they send more offers after the Lba up to the 14 days........there is a letter in the temps folder.

 

Good work so far:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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quote from blah blah letter by Alan Molineux, Customer Relations.....'I understand that you would like to receive information about specific transactions. We are under no statutory obligation to record the information you want and are unable to help with your request'.

He can only be referring to info I requested in my Data Protection Act (S.A.R - (Subject Access Request)) letter as per template. Is it worth sending his statement to Commissioner and/or FSA. Furthermore, he goes on .....'...we reserve the right to close your account if you do not manage it correctly'. I'm treating this as a threat if ever I've heard one, having banked with them since 1984 and always used monthly overdraft facility.

 

Luckily his colleagues do not all agree with him as I did receive a basic computer print out giving 'charges debited', date and amount.

 

N1 filed in person 22 September 2006.

 

 

A huge thanks for this website for empowering the people. Brings to mind an advert that used to be on TV years ago. One little mouse all alone saying 'excuse me, excuse me' and being ignored; next scene thousands of mice in unison saying 'excuse me, excuse me' yep that's right and not being ignored. Think advert was for a Union.

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