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wandererpaul

WandererPaul v's Halifax

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Well after logging on several times over the past few months, i've decided that its my turn to kick some butts!

 

Sending a letter asking for ALL my statements from 2001 up to present.

I have found most but have about 10 missing from then up to now. My charges incurred so far are £1300.

 

I got another today !! Halifax Ins rebate chq put in friday 22nd sep. not cleared till 27th sept! (why?? only the banking system knows) a DD due to come out on 27th sep for 23.41, then Halifax take out a previous weeks charge(£39) first and then charge me for an unpaid DD because they took their charge first!! Really pi**ing me off.

 

I hope it all pays off !


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)

 

Keep with it, it does come back in the end!


Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)

 

Keep with it, it does come back in the end!

 

thanks for advice.

 

i sent the letter off requesting charges with a cheque for £10. hopefully i'll get an answer. i should've phoned but too late now. Just amazed at what we/the government accepts as common practice with all these over the top charges. I can understand, and no doubt take, £10 for being stupid, but £39 for a miss DD and then £30 for going overdrawn !!! I've been ok for the past 6 months but then get 3 charges in a week £108 !!! Struggling as it is with mortgage on a house my ex happily lives in but thats another story !

 

i'll keep this updated as and when.


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Can you also claim back charges on a mortgage account with the Halifax or is that pushing it too far? I still have a Halifax mortgage by the way. Will they get shirty if i try and claim about £500 or charges back? Still waiting for statement of charges but as its only been a few days and i'm sure Halifax are busy for some reason i can wait a little longer!


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Just a quick up date.

 

sent email to the Halifax (kelly Duffy, got this from another thread) and received an answer same day !!!

 

my email and letter (which was attached) is being forwarded to the correct dept and will be dealt with, within the time frame ! So i should get my details by the 14th November. If not then a letter to the ombudsman wil be posted off.

 

It takes time, but i'm sure i'll get there in the end............. doesn't go quick enough though !


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Just another update on my thread.

 

I had a special delivery this morning from the Halifax acknowledging my request for statements (with all the usual waffle) and that they will be forwarded to me soon. So they've got 1 day to send them to me!!!

 

The Halifax work right up to the time limit of 40 days !!!

 

Anyway, as soon as i get the list of charges, the Prelim. will be sent the next day, recorded delivery, and hopefully i'll be on the next step to claiming back my £1400 !!!


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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received all 150 pages of statements this morning. Gone through them and found a few which i missed off, so now i'm sending my prelim off on monday, recorded, as its now the weekend.


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Just another update.

 

Sent Pre Lim on 13th Nov. (signed for on 14th nov.)

 

letter ack. 'complaint' about bank charges, from Donna Prizeman dated 23rd Nov.

 

LBA going off on 28th November as thats 14 days from receiving pre.lim.

 

hope these are the correct procedures i'm taking.any advice?

 

total charges £1474.00


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Update..............

 

Received the letter (dated 11th December) from the Halifax offering me £1078 out of the £1474 i'm claiming.

 

Obviously i'll be refusing this offer/settlement with a letter (from the CAG templates! thanks again)

 

But now that they have offered me a settlement can i now go ahead with the MCOL or do i have to wait the full 14 days before proceeding with the court claim? Advice please!

 

The MCOL claim was due to be put forward on the 19th December. Thnaks


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

just found the answer to my question !!!

 

So i'll wait till the 19th and then start the MCOL claim, being near to Christmas though, will that affect my timescales? any advice........ thanks


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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UPDATE

 

Well, i called this no.0121-234-1068 today (Halifax cutomer relations) and spoke to them about my claim for £1474 in charges over the last 6 years. I also mentioned that i was going to be filing a court claim later today (MCOL) but thought a courtesy call to them first in good faith was the least i could do! They looked at my notes and what my settlement offer from them was, £1078, and then said what did i want to settle this claim, i said all my charges totalling £1474 was what i wanted. I waited and then a bit dumbstruck as she replied, ok a letter with the settlement forms will be sent to you and it should take about 10 days! she also mentioned that any further charges.....blah....blah.... the usual stuff.....

 

Shock!!

 

So it seems like i have been successful but won't be happy until i receive the letter and also the money in my bank!

 

Just a note to other claiments, just call this number, it does get busy but persevere, it'll save court letters and filling out forms and also finding the £120. you originally only wanted your charges back, the interest was just a tempter but in the end it seems like a successful ending to my claim.

 

Give it a go.........................


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Another one settled by the Birmingham office... Well done

 

For anyone else looking at this option, of calling them to get a better 'last minute' offer, you should really call the person/number on your offer letter as they have been allocated your case. OK, the Birmingham people seem to be taking the calls and handling them without question - but that could stop if too many are calling there when they shouldn't...

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Another one settled by the Birmingham office... Well done

 

For anyone else looking at this option, of calling them to get a better 'last minute' offer, you should really call the person/number on your offer letter as they have been allocated your case. OK, the Birmingham people seem to be taking the calls and handling them without question - but that could stop if too many are calling there when they shouldn't...

 

 

They were constantly engaged yesterday but today i got through straight away. If anyone receives a settlement offer letter the number to contact will be on there. If you ask for the person the letter was from the person will just ask for their reference number to check your file. Take it easy, be nice, and you never know what might happen. Realistically don't go above your total charges. Good luck to one and all.


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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I've received the settlement letter this morning for the full amount (£1474)

 

They still go on about more charges.......close account etc..........but who cares now.

 

I will receive all my charges back (obviously without any interest but thats not what we're doing this for.......remember that!.........)

 

So i will wait till the £1474 turns up into my account then i'll do the survey and donation.

 

this site helps enormously for banking questions/advice and parking tickets etc etc...........top site!


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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Congrats wandererpaul -- same thing happened to me!! I rang up after no response to my lba and also got full settlement (£2281). Mine was an 0191 number, based in Newcastle. The guy stated that did I not appreciate that it does cost money to run an account when items are returned. I replied of course I understand that, but that the amount they had made in interest alone from my charges would more than cover what it had cost them to run my account!!! I received my papers this morning - will get them signed and returned on Monday!!! Not much longer to wait now. Well done again. It seems they are listening!!! jaxads xx


jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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survey completed.

 

small donation made.

 

thanks CAG....................


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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