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Basically I got a PPI offer for my loan and CC from Halifax they sent 2 cheques one for ~£150 one for ~£3700 but the smaller cheque got returned (bounced) saying there was no account.

 

I have made various phone calls and they said it was cashed on a particular date. So then I sent a letter with photocopies of all documentation from Natwest (my bank) proving it bounced along with a screen print of my online banking seeing the amount go in and 3 days later leave!

 

I can't seem to get an answer to this please can someone offer advice this is more a matter of principal than money. I am thinking about sending a CCJ to them.

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You received a refund cheque from Halifax - which has been bounced ?? - Priceless

 

Sorry, it isnt funny from your perspective - I would say you have two choices

 

A complaint to the Financial Ombudsman or

Issue a claim against them.

 

When you sent the proof that it HAD bounced - did you mark your letter as an Official Complaint?

 

If not, then I would resend, heading as above, but send it to their Registered/Head office.

 

I will also flag your thread for others to see and comment.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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there was no account to drawer from i take it?

 

seems very strange!

 

were they both drawn on from the a/c?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have to admit it is a bit ironic

 

Sent letter to PPI department and wasn't official so I will do that first and see what happens. Thanks

 

They had different account numbers on the cheques the smaller one arrived a few weeks earlier too.

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Hi uaka

 

Write a Letter of Complaint, mark it as such. Explain whats happen, (you could be sarcastic and tell them that they can use your account as they are struggling to manage their own) how they have let you down and what you want them to do. Don't forget to charge them for a 'bounced cheque'.

 

Send it to:-

 

David Nicholson, Managing Director

[email protected]

 

Some tips:- http://www.dailymail.co.uk/femail/article-1242161/How--write-letter-complaint.html

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When goods or services are paid for by cheque, a separate contract is entered into between the seller and buyer to the contract that was entered into for the supply of goods or services. Thus, when a cheque is returned unpaid, the seller may sue either under the contract for supply or, independently of the contract of supply, the contract created upon issuing the cheque to the seller. The seller may commence proceedings based on the Cheque Rule, as the cheque has been returned unpaid.

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If you want advice on your Topic please PM me a link to your thread

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  • 1 month later...

Right I have waited over 4 weeks and no reply to either letter! (It was an AA card so needed to send to BOS who I can't find out who the MD is!)

 

What shall I do now? CCJ? How do I go about taking them to court?

 

Thanks

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Did you send your letter recorded / special delivery ?

 

Has it been signed for.

 

I will try and find someone who can advise on next step.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just a suggestion :)

 

 

 

tell them to ring the bank' date=' tell them if they don't send another cheque A.S.A.P. a complaint will be lodged with the FOS that will cost them £500, if they look into the matter.[/quote']

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes I sent it recorded, unfortunately I cant find the receipt to track it.

 

Think I just need to play hard ball now

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