Interest Charges

[andy210000]

Can someone please explain to which letter i send first? and then 2nd in easy terms i'm getting a little confused

 

Sorry

[Tinkerbelle]

Hi and welcome to the site!

 

I take it you have taken a look at the FAQ'S? Here is the link and you will find step by step instructions on what to do.

 

The first letter you need to send is a DPA (if you don't have all your statements to hand)

 

Letters: http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

 

FAQ: http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

Good Luck!

[andy210000]

Do i send the letters to my local branch or head office?

[sgt_bilko]

Hi Andy,

 

I've been sending to both... I like to CC my local Branch Manager into every letter I've sent to Trinity Rd. Keep em on the toes!

 

 

Good Luck bro:D

[Tinkerbelle]

Have you noticed the very first thread in this forum? It says "Halifax Contact Details"

 

It sounds to me as though you may need to spend a bit more time reading the messages to get a feel of how things work before you commence any action.

 

If you don't have all your statements already, request them via the DPA and spend the next 40 days reading the msgs on this site

 

Good Luck.

[dave]

No, you really MUST read the FAQs - this question is answered there, as, indeed is your first question.

 

It's the bit in red that says "READ THIS FIRST".

 

You are potentially about to start legal action against a company with virtually unlimited funds and with access to huge legal departments.

 

You MUST read the faqs to be fully aware of what you are doing - it isn't a get rich quick scheme and they WILL play dirty.

 

You must also be aware that if you take the bank to court - which the majority of people have to do before their money is returned - IT COULD WELL END UP WITH YOU APPEARING IN FRONT OF THEM IN COURT.

 

You need to know the legalities of what you are doing.

 

Please, please read the FAQ before continuing.

[andy210000]

HI I've just spoken to the bank for my statements and they say i cant claim the money back on my bank account only on credit cards..... what a load of bull!!!

 

They are trying to charge me £5 for each account is this the norm?

 

REgards

 

Andy

[Krystyna]

HI I've just spoken to the bank for my statements and they say i cant claim the money back on my bank account only on credit cards..... what a load of bull!!!

 

They are trying to charge me £5 for each account is this the norm?

 

REgards

 

Andy

 

I am sick of the horses**t from the banks their representative has been on ITV lunchime news spouting crap again do they really think they we will give up because they say so.NO NO NO I will fight on.

[Spiceskull]

HI I've just spoken to the bank for my statements and they say i cant claim the money back on my bank account only on credit cards..... what a load of bull!!!

 

They are trying to charge me £5 for each account is this the norm?

 

REgards

 

Andy

Hi Andy,

 

The question has been answered elsewhere, but I will quickly clarify:

 

You are NOT asking for statements. Your REQUEST is for a full transaction history for the period concerned. If the bank wishes to provide statements in lieu of this history, that is up to them...

 

The MAXIMUM statutory fee for this REQUEST is £10 (per account) - if they mention £X per statement, you must clarify that you are NOT asking for statements, just the history - if they want to send statements then you will accept them as a compromise...

 

Good luck.

[jonni2bad]

andy - you are advised to write to the bank for the information under the DPA, telephone calls are often 'forgotten' or simply not acted upon.

 

Please read the FAQ section thoroughly, this will explain why. Not doing so could leave you vulnerable to failure.

[andy210000]

Can anyone help me on an acceptance letter of the 'Goodwill gesture' I'm supposed to accept it but tell them Ill be chasing the full payment but dont know how to write the letter

 

Any help Please

 

Andy

[MARTIN3030]

Think Andy that your next step is the letter before action and in that letter you add that you will accept their goodwill gesture but not as full and final settlement as you will be looking for ALL charges and fees to be refunded to you.

 

I remember this point being answered recently here in this way.

Sorry I cant find it tho...............

 

Sure someone else will verify whether this is correct or not !

 

[dan-rides-bikes]

i added this to the lba

 

I calculate that you have added £220.00 to Loan Account X and £90.00 to Loan Account X

 

On 19th May you made me a full and final offer of £70.00 on Loan Account X and £150.00 to Loan Account X. Unfortunately I find your offer of £220.00 totally unacceptable as full and final settlement, although I would accept this as part payment of the charges levied towards me.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

[essjaydee]

Sounds good mate good luck!

[andy210000]

I've had an offer on one of my accounts of £150 , but nothing off the other ive sent both letters now to both of them , is it time for me to fill in the moneyclaim form? If so can anyone give me any guidance? How long does it usually take after ive done that?

 

Regards

 

Andy

[mechs]

I've had an offer on one of my accounts of £150 , but nothing off the other ive sent both letters now to both of them , is it time for me to fill in the moneyclaim form? If so can anyone give me any guidance? How long does it usually take after ive done that?

 

Regards

 

Andy

 

Which letters and when and how much time did you give them?

[andy210000]

the 1st letter and 2nd letter also the accepting letter of the £150 but will be claiming for the rest they have had over a month now

[mechs]

the 1st letter and 2nd letter also the accepting letter of the £150 but will be claiming for the rest they have had over a month now

 

The "preliminary approach" for the refund of charges letter and the "letter before action" letter?

The letter before action letter states 14 days ....is this what time you have given them? their offer was it in full and final settlement did they say?..also you have not given me much to go on as to what you have agreed on....did you accept it as full and final settlement?

 

Have you read the FAQs and gone through some of the threads?

[andy210000]

I'm just about to do the moneyclaim thing, just one question can i request the payment via cheque as i dont have the account anymore?

 

any advice will be good

 

Thanks

 

Andy

[cheddar]

They should send a cheque anyway, how else could they give you the money? Good luck!

[sharksterson]

hi........ it seems to take longer when waiting for cheque,i filled my clain online on the 18th july and im still waiting for my money but they only have til the 22rd to pay me.so be patient(ive been pulling my hair out)just keep with it and u wil get ya money...

[andy210000]

thanks for the advice

[andy210000]

Fingers crossed but ive started my moneyclaim yesterday, just logged in today and under judgement it has start, have i got to click that?

 

Regards

 

Andy

[MARTIN3030]

Andy dont hit that yet.......

 

If they dont respond then yes........They have 14 days from when they recieve to acknowledge.

 

Read the hmsc site for all the info

[andy210000]

thanks for the reply, was the usual course of action from halifax now then. Do they usually just pay up?