Standard reply from the Halifax

[redbird]

Hi Guys

 

Just received a very standard letter of reply AND the obligitory leaflet from the Halifax regarding my request for repayment of charges (£2005.56).

 

I sent my initial request to Trinity Street, Halifax on 23 March, giving them 14 days to respond.

 

This morning's reply comes from:

 

Helen Jones

Customer Care Manager

PO Box 548

LEEDS

LS1 1WU

 

As they have responded, albeit very bog standard, within the 14 day deadline I stated, do I wait for Miss/Mrs or Ms Jones to contact me as she has said in the letter or do I now send in the Letter before Action?

[alanfromderby]

The banks are continually using delaying tactics such as, "we will investigate and get back to you in x number of days". Don't be taken in by this - you set the timetable. If you have set them 14 days in which to respond, and they fail to do that, then go to the next stage.

[redbird]

Another update...and a question lol!

 

This mornings post brought me two letters from the Halifax informing me of two more charges which have only just been applied. I had forgotten there was one charge of £28 to come out at the end of March as I ordered my six years of statements from 21 March back if you see what I mean. (a*se) Anyway, the bank have taken their bit (as usual) and that has pushed me overdrawn by £12, for which, you guessed it, I'm going to be charged another £30!

 

Can I re-adjust the original figure I calculated to take those two charges into consideration?

 

I've just completed the spreadsheet, and have prepared my letter before action...I'm all set to send it today, I've decided I'm wasting no more bluddy time!

[Guest blindman]

Can I re-adjust the original figure I calculated to take those two charges into consideration?

 

I don't see why not, they seem to ignore any figures (and contents of the letter).

 

I would say that the only time you need to be accurate is when you file a claim.

 

Having said that I filed for £514.74 instead of £541.74

[redbird]

Thanks Hunni

 

I've done the spreadsheet now so that I can be 100% sure of the figure they owe, so the end figure I have today is the one I will be using on the claim.

 

I can't wait lol

[kaysamoly]

Do you send the spreadsheet and letter before action together.

[redbird]

hmmm good question!

 

Maybe some lovely knowledgable person will come to my rescue here lol...I just searched everywhere to find out about that with no luck!

 

I 'think' not, but then I could be horribly wrong lol

[Lorraine]

Hi, just being nosy as usual.

I was advised to send the spreadsheet with the letter demanding your money back. Just keep a copy for yourself.

Hope this helps.

Loll

[kaysamoly]

Thanks for the reply

[redbird]

Quick Update Guys...

 

My partner took a phone message early this morning from 'Gillian' at Customer Relations, I wasn't available at the time to take the call, so called I them back just a few minutes ago but she wasn't available (she was at lunch apparently) the chap I spoke to didn't know/wasn't familiar of my case but felt that an offer of reimbursment of some fees as a 'gesture of goodwill' was the reason for her call. Anyway, he pulled up my details and then said she (Gillian) was calling to offer me £239.00...I simply said the offer was unacceptable! (my claim is for £2,139.31 including interest)

 

At that point he said that they would have to call me back and may or may not be able to increase the offer.

 

I'm determined to hold my nerve and stay calm!!

 

I'll update again soon....

 

 

01422 333465 for anyone who wants to call Customer Relations directly

[alanfromderby]

Keep strong, they wouldn't be playing this game if you didn't have a legitimate right to your money back.

[redbird]

Further update..

 

Just taken another call from Customer Relations, the bank have taken into consideration my rejection of their initial offer of £239 and are now prepared to offer a maximum of £460 as full and final settlement...naturally I said no, this figure was unacceptable and nowhere near the actual amount outstanding.

 

I was asked if I had an overdraft facility on the account, I said I hadn't but it wasn't for the lack of asking. I went on to say that I had made several requests in the past for a minimum of a £50 overdraft to help the situation when direct debits etc are taken out just before my pay was paid in...thinking about that, I wonder would it be in my favour to mention this should we end up in court?

 

They are writing to me outlining their 'final' offer....I shall acknowledge their letter when it arrives, then I shall stick to my guns and proceed with a claim through the courts.

[redbird]

and......another quick update!

 

Took me ages to get the particulars of the claim down to below the 1080 characters & only 24 lines...I really wanted to say so much!

 

Anyway, my claim has been filed, now all I can do is wait....which will probably be the hardest part!

 

CLaim No 6QZ25363

 

Amount Claimed £1,808.00

Interest 333.31

Court Costs 120.00

 

Total Claim £2,259.31

[laura1clark]

Just having a quick read through your thread to see how things are going for you - one question (I've read everything in here so many times I'm confusing myself now!!) did you send the spreadsheet with your LBA? I'm going to send mine tomorrow as I should have my written offer by then which I'm going to decline. I haven't done the spreadsheet yet as I'm not sure when it should go...

[redbird]

Hi Laura

 

No, I didn't send it with the LBA, I thought AFTER I had posted it that perhaps I should have lol...the bank haven't asked/didn't ask for a copy.... so I'm hanging to it on now until such time as I may or not (fingers crossed) have to produce it in court.

[laura1clark]

Thanks Redbird and good luck!

 

My LBA should be going in the post this weekend if my written offer has been sent in the post as they promised. In the meantime I'm going to spend the weekend counting up the charges they've hit my boyfriend with over the years (£350 last month alone)!!!

[redbird]

My case has been accepted ....the Halifax have 14 days to respond!

 

I have everything crossed now lol

[rivendale0506]

Any update redbird?

[redbird]

WoooooHoooooo! *is dancing around like a thing possessed*

 

The full amount of £2,261.31!! I'm so chuffed I can't even begin to tell you!

 

a snippet from the letter I have just received......

 

'as previously advised, it will cost Halifax money to defend your claim and thus on a purely commercial basis Halifax is willing to reimburse the full amount claimed of £2,261.31.

 

I have arranged for £2,261.31 to be refunded to your account.'

 

The letter is signed by Rachel Hinchcliff - Litigation Solicitor Legal Services - Retail Division, Trinity Road, Halifax HX1 2RG

 

Thanks again you guys....a donation to your book fund is on it's way!

[mechs]

Redbird that is great news! great encouragement to the rest of us!

[redbird]

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