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Andydug v Halifax ***WON***


Andydug
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Hi all,

 

My Halifax account is one i dont use very often and, like everyone else, i've had loads of charges on my account even though i've phoned and told them certain circumstances of my account going overdrawn - mainly due to their charges on top of each other which they just keep taking even when there's nothing in the account !

 

- I was put onto this site by a friend and now i've had a read round i'm fuming that they have basically been raping my account of cash which is rightfully mine!

:-x

 

So the 'claims pack' has been bought along with 'the book' (I intend to pass these on to someone else when my claims are settled - I hope others do the same) and i'm starting.

 

Posting S.A.R - (Subject Access Request) tomorrow and will go from there.

 

I'll keep you informed of my progress - good luck with yours !!!!

:D

 

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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best of luck

any problems come back and ask!

 

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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  • 2 months later...

just a quick update:

 

29/9 SAR received by bank

7/11 statements received (9 pages missing)

8/11 rest of statements received.

10/11 PAR sent recorded (received 15/11)

28/11 no response so LBA sent recorded

 

Good luck to everyone getting some cash before Crimbo !!

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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  • 2 weeks later...

Offer received !

 

I've had a letter offering me the full amount of my claim as a gesture of goodwill. however, they have stated in their letter - "Please note that any further charges incurred on your account will stand unless they are a result of a Halifax error".

 

I'm going to accept the offer but i'm not sure about the statement above:-|

whats the facts about future charges, i'm worrying that if i sign the form with this statement i will not be able to claim back any future charges?

 

anyone else been here?

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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As far as I know mate, any future charges would still be penalty charges, and therfore still illegal, but not 100% on that, see what the other guys say.

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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Yeah, thats wot i think ab123uk.

 

I might accept the offer but add a line in my letter saying something like: 'I reserve the right to reclaim future charges applied to my account'

 

Dunno though, i'm stuck on the last hurdle !:rolleyes:

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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The best thing to do is to not incurr any charges in the future.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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The best thing to do is to not incurr any charges in the future.

 

Thanks Deller, but while this idea is a good one and has been posted on this site many, many times, mistakes are made by people, and we shouldn't be made to pay penalties on them, hence my request for info on the earlier post.

 

this is only a small claim which is why it has not gone to the MCOL stage

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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  • 1 month later...

Been offline a few weeks so thought i ought to update my posts.

 

This claim has now been settled in full by Halifax and credited to my account. It was only a small claim so did not need to go to court.

 

I have completed the results survey to help the statistics - I hope everyone else takes the time to do this also.

 

Credit cards are next !

 

Andy D.:)

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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Congratulations Andy :)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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