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    • I would also like to point out they are very financially aware, he earns good money, just didn't spot it wasn't coming out, nothing alerted him to the fact it wasn't 
    • It is residential. Not long been self employed, and in between been employed. Everything was set up by dd. BT even let them upgrade the Internet 2 months ago, but did not refuse on basis bill not paid. No letters, nothing and normally would cut you off after not paying for a month. Yes they should check outgoings, but young couple, and everything by DD.  They obviously realised they made a mistake by halfing it. Just wanted advice really 
    • £800 for one year?? what planet are you on?   i will guess this is residential Broadband not a business A/C?   however i do find it a bit strange that a self employer person does know when or not money is going out of your A/C one month maybe, but to not spot 12mts of not seeing a BB bill smacks of poor financial awareness..    
    • My son in law sent me this ....after some advice    our Internet got turned off today (19th January) I rang up and said hi can I make a payment and find out why it hasn't been taken out of my bank,   he said are you aware you haven't made a payment since February 2019. I said no that can't be right,   I upgraded my package just over a month ago and they never said a word about owing money and just let me upgrade, I haven't received any letter or indication that I owed any money let alone a years worth of bills!   I asked why no one had let me know sooner he said we're not obliged to tell you that but said I had a valid point,   I asked if there's a way we can sort this out he said best he can do is give me a good will gesture and take 1 month off,   I said I wasn't happy with that and we could pay half the amount owed now £380 and they would match the other £380 and wipe it off as long as I don't miss a payment for the next 6 months,   I accepted this offer even though I'm still unhappy purely because I need the Internet as self employed.    They had cancelled the DD back in Feb, I seriously had no communication from them and even upgraded a month ago.   They wanted nearly £800 
    • so we don't shoot ourselves in the foot can you place up your complaint letter please one pdf only.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Me against the Halifax - Advice please.

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Hi all,

Found this site quite by accident after reading an article on AOL re: claiming back your bank charges. Just like to say what a fantastic job you are all doing for us, the common people. THANKS!!!

Anyway, gathered all relevant info and sent off my preliminary letter to the Halifax on 19th September. I received...surprise...a standard letter saying someone will be in touch with me within four weeks to discuss my complaint. Do I still go ahead and issue the LBA in 14 days if I have not heard from them, and if i do hear from them offering say, a small fraction of what i am claiming as a goodwill gesture, do i give them another 14 days to cough up the full amount and should I still go ahead and claim the full amount through the court as per my original schedule. Or should i accept the offer, would a court still award me the full amount in light of the offer.

Hope that makes sense. Would be grateful for any feedback.


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Have you read the FAQ's? everything you need to know is there.


Do not stick to their timescales stick to yours....so yes once the 14 days given in the prelim letter passes, then issue the LBA providing another 14 days. If you receive a offer which is less than you're claiming, the write back saying you accept this as an interim offer, however you are still pursuing for the rest and that the clock is ticking.


Once the 14 days of the LBA runs out, if you haven't received your money in full then start your court claim.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06



Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06





Smile - £175

Pelim 23/06/06



My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06


Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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  • 4 weeks later...

Oh my God!!! PANIC...PANIC...

Quick update, I sent my prelim letter requesting refund of £444 in charges and just before 14 days was up I received a letter from the Halifax offering as a "goodwill gesture" £268 in full and final settlement and the usual threatening to close my account if i do not manage it properly. I wrote back declining offer but willing to accept it as part payment etc etc. I have now received a letter back from the Halifax saying that as I have not accepted their offer of £268 they will not be refunding me any of the charges i have incurred since opening my account (although I have only claimed for the last six years and held an account with them for 18 years). They say if i am not happy I can go to the Financial Ombudsman Service with my complaint. The 14 days since my second letter is up on 23rd October.

Please can someone tell me what to do now, do I still go ahead with my court claim? Are they likely to defend it and are they likely to win. Are the banks getting tough now because of the number of people demanding refunds.

I am feeling slightly bullied by the bank and a little confused,i have read other peoples threads and i cant find one where the bank has withdrawn their offer and refused to pay anything.

Any advice and help would be greatly appreciated.

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send LBA. wait 14 days issue MCOL.


they paid in full 3 days after MCOL plus 8% interest.


remember you are in control not them!

when i win ...... 5% goes back to the site!


Halifax- 14/6/06 Data Protection Act.28/6/06 S.A.R - (Subject Access Request) - (Subject Access Request) handed in person. 2/7/06 Prelin sent for £3297. 19/7/06 LBA sent SETTLED

Halifax cc- 26/7 prelim for £140 - 14/8 LBA sent - 21/8 £ 70 offer - 22/8 Halifax agreed to pay £140 after call SETTLED

Halifax loan #1 - SETTLED

SMPL- 20/6/06 prelim sent for £610 4/7 sent lba after no reply. MCOL 29/9

Rooftop Mortgages - 20/6/06 prelim sent for £225. 29/6/06 letter rec'd saying no! /2/7/06 LBA sent

Capital One- 24/6/06 S.A.R - (Subject Access Request) sent. 2/7/06 prelim sent for £137. 19/7/06 LBA sent MCOL 29/9 SETTLED

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Debs you need to go to the Halifax forum now and start a new thread to keep updated with details of your claim, it will receive a much better repsonse in there as this is just a welcome furm to direct those in need or direction to the banks forums etc, here is the link http://www.consumeractiongroup.co.uk/forum/halifax-bank/


thanks! :)


oh and by the way mark above is correct in what he says!, follow his advice:)

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Debs you need to go to the Halifax forum now and start a new thread to keep updated with details of your claim, it will receive a much better repsonse in there as this is just a welcome furm to direct those in need or direction to the banks forums etc, here is the link http://www.consumeractiongroup.co.uk.../halifax-bank/


thanks! :-)



All the answers you need are in the Halifax forum including a forum on sucesses which you can read for hours and hours and will give you an idea of how far most had to go!

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