What ?!

[Pressleyno1]

Sent my claim letter off to halifax, never heard anything after the two weeks I gave them. Sent another saying more things, and giving them an extra 7 days. I recieved a letter saying that they are investigating the claims etc, and I will recieve a response very shortly. Along with all this crap about how to complain etc, and if I want to find out more to phone them blah blah blah.

 

Is this just a letter to fob me off or will they actually reply ? Should I give them more time or go ahead with the claim ?

[alanfromderby]

They will use every tactic they can to delay claims. What letters have you sent - are they letters from the library templates on this forum, as they give 14-days.

 

It is important that before you move on to any legal action you have properly requested that the bank repays you - and that you have given them a time in which to comply, along with the warning that failure will result in Court action.

[Pressleyno1]

Seeing as I'm in Scotland, I sent them a letter from the goval law center. Very similar to the same as in the library here. Gave them 14 days, then sent out another one....

 

''

I am following up a letter posted on 21/03/2006, which you have yet to respond to. In the letter I outlined a request for all charges on the account to be refunded within 14 days, and that court proceedings would be started should the matter not be resolved.

I have attached a copy of the letter for your convenience.

 

I have calculated these charges to total the sum of £***.

 

Whilst your charges may be in line with those of other high-street banks, it does not excuse the fact that they are punitive in nature and so forth are unlawful in Common Law, Statute and recent Consumer regulations. The charges have pushed my account substantially beyond its overdraft limit resulting in more charges being incurred.

 

I now make a final request before action, for a refund of charges on the account to the sum of £*** within 7 days of receipt of this letter by way of personal cheque or direct credit to the account. Should you refuse to refund the charges within seven days I will start proceedings for recovery in the County Courts where you be eligible for an extra 8% APR as allowed by the County Courts Act (1984) which I have calculated to be an additional £18.80 in addition to my court costs.

 

Please note that only full satisfaction of my request will avoid court proceedings, any partial refund will be refused by myself as I believe I am entitled to this money.

 

There will be no further communication from me and I shall issue a claim at the expiry of this deadline.

 

Yours faithfully

 

''Pressleyno1''

Got a letter saying sorry blah blah blah, we're looking into it blah blah blah. So they've had two letters so I'm thinking of giving them until Wednesday next week to reply if not them Court proceedings WILL happen.

What do you all think ?

[alanfromderby]

Usual delaying tactics then - it is your timetable not their's. If they have run out of time then take it to the next stage.

[Pressleyno1]

Yeah, I'm looking into the details of this courts claim now. Do you NEED all the statements of the actual dates and cost of charges. I had phoned up and was told I had 7 charges, they didnt temm me the amount. So I took an average of the bank charges £28, £30, and £39 and multiplied that by 7 to give me a rought estimate.

[alanfromderby]

Yeah, I'm looking into the details of this courts claim now. Do you NEED all the statements of the actual dates and cost of charges. I had phoned up and was told I had 7 charges, they didnt temm me the amount. So I took an average of the bank charges £28, £30, and £39 and multiplied that by 7 to give me a rought estimate.

 

 

They could challenge your claim if you claim the incorrect amount - although with the sums involved they will probably either just pay up, or advise the correct amount and settle at that. Though it is always safer to go in with correct figures.

[Pressleyno1]

This topic was closed on 03/08/19.

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