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Lisa v Halifax


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Hi,

 

I have requested a list of charges for as far back as possible. I have no other bank accounts, only a credit card with capital one, store card with Argos & a Great Universal cataloge - I have not been charged any late payment fees's etc with these company's only with Halifax, & was wondering if there is anything I can do with regards to the high interest re-payment rates :D

 

However Halifax is my main concern, I have been banking with them for about 6/7 years & i'm nervous as to what the total charges may be.

 

I will await the above requesting information, & hope you will be able to assist me with seeking recovery of payment, I have read a few successful threads and the FAQ'S & all look's very positive.

 

How long do Halifax have to sent the list of bank charges etc? & once I recieve them, is there a standard spreedsheet for calculating the total debt owed to me pior to sending letter requesting re-payment?

 

Once I am in receipt of the request, I will calculate & advise amount due, then confirm it is ok to send the 1st letter.

 

Thanks for your assistance.

 

Lisa :razz:

Request for all charges sent dating back 6 years 18/9/06

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hi lisa,

 

welcome to the site! i think that you will find it very helpfull!

 

firstly if you sent the data protection letter and enclosed a 10.00 payment then they have 40 days to furnish you with the info from the date they receive the letter.

 

when you have found out how much you have been charged you then send the request for refund letter.

 

keep your thread updated.

 

good luck lisax

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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Hello again !

 

I think they can ask for it back ? not too sure on that though hon

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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I haven't read too many threads where they have called in an overdraft, but the possibility is there. No one knows for sure if they will or not, everyone's case is different.

 

Even if they did, they would write and tell you that they would be doing it in x weeks. Hope that helps!

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Thanks it has made me feel better.

 

If they do, and they give me notice, then I can arrange something as I do use my overdraft each time, however the fees stem back from my younger days :rolleyes: when my limit was different to theirs :oops: albeit a 60p or so difference, where they charged me £30 for it, then a further £28 if the funds were not in my account, when it was claimed back :mad:

 

Even if they did, it would just make me even more determind to claim MY money back.

 

Thanks for the promt feedback, your assistance is appreciated :)

Request for all charges sent dating back 6 years 18/9/06

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