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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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NIGEL 1804 back for the rest.


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Oh I have known a few bank directors in my time, my cousin was a diretor of the halifax , my dad was with barclays ,my mum was with the co-op bank.

 

A director of Barclays once told me that any company that continually uses its overdraft shouldn't really be operating.....oh that was after giving a finance company £9million overdraft.......I'd love to hear his wisdem today..........still its ok for them with their obscene bonuses and wages and pensions............probably never ran a company in their lives and they preech about what we should do.....same for the MP's we're alright jack !!!!!!!!!!!!!!!.and if you think it will be solved this expenses larck it won't it will be dressed up in a different way so they will never loose...

I feel for the poor bank workers (pawns) treated like mushrooms and fed bull**** who are expendable and who are thrown to the dogs after preeching the gospel according to their bank. I've seen this happen lots's and lot's of times after 20+ years service. The staff will stand in front of you and say "we never pay back bank charges" oh yes you do love get off your soap box and tell the truth...never mind what some out of sight manager, director, tells you ....you are the one facing the music tell the truth you have paid back millions......oh by the way you might be out of work next..:razz:..I know you have your mortgage to pay too but ..........welcome to the pleasure dome..........Sorry everyone but thats the way I see it .

 

It's this total disrespect for humans both customers and staff that gets to me.

 

 

Regards Nigel:-x

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

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LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

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It's this total disrespect for humans both customers and staff that gets to me.

 

 

Regards Nigel:-x

 

Couldn't agree more.

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Advice & opinions given by Caro 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.

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Hi again everyone. Well after a weeks wait for a letter from the bank. It turns out to be the usual condescending, patronizing letter explaining that they do think their charges are fair and that they are sorry to hear that i am experiencing financial difficulties. After filling in a financial statement and a letter explaining that its is due to illness that I find myself in this predicament, it just seems that it has gone straight over their heads. they are so sorry to hear about my situation that should I continue to use my account in a similar way then future fees will be applied to the account. Do I need their Money management Team to help me (patronizing ignoramuses) NO. Its simple the reason I'm in this situation is due to illness and while I have not been able to work....YOU and your money management team have continued to steal money from my account which has worsened my situation.I don't need your Management team to explain to me about my financial situation. I can tell them what the answer is to my current financial hardship, and that is for you lot to pay me my £6000 of charges back now so that i can pay my creditors and manage to put food on my table.:evil::evil::evil:. Why not now when you paid me out before .?

 

OK, now. I wonder if those people out there on this site that have been successful with their hardship claim could possibly help with the next stage after receiving this fob off letter. This letter looks like no one at all has looked at my situation what so ever. CAN ANYONE HELP AS TO HOW THEY GOT THEIR CHARGES BACK VIA THE HARDSHIP ROUTE, I HAVE READ SOME PEOPLES THREADS BUT FORGOTTEN WHICH THEY WERE. HELP... PLEASE. regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Nigel, what exactly have they looked at and what did they say? I know you have given a commentary on your interpretation of their response but what did it actually say?

 

Did you complete an income and expenditure form and send relevant priority debt arrears letters to them?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Yes yourbank i sent them back their form of expanditure showing relevent debtors etc. Unfortunately I don't have a scanner to scan the letter. Or well here goes...

 

Dear mr.........

 

thank you for your communication.

 

we acknowledge receipt of your complaint about unarranged overdraft bank fees.we believe that your complaint concerns the level ,fairness or lawfulness of the fees.if it concerns something else,such as an administrative erroe ,please let us know.

 

Having reviewed your account carefully, i am satisfied that the fees were correctly applied. Your complaint abouit the legality or fairness of unarranged overdraft bank fees will remain on hold, pending the outcome of the ongoing legal proceedings with the OFT, as explained below.

 

We also acknowledge that you indicate that you are experiencing financial difficulties. In view of your current financial circumstances we would like to arrange fopr our specialist Money Management Team to contact you. They will provide you with advice on how to avoid these fees in future and also work with you ,to identify what further assistance we can provide to help you manage your account financial circunstances.

 

You will shortly receive a letter from our MMT providing details of how to contact them to discuss what help is available in relation to the financial difficulty aspect of your complaint.

 

enclosed is a copy of our leaflet explaining our complaint procedures for your financial difficulty complaont and the help the financial ombudsman service can provide.If I don't hear from you in the next eight weeks, i will assume you are happy with the manner in which we have handled your complaint about financial difficulties.

 

The rest of the letter just goes on about how If I continue to run my account in this manner then then the charges will be applied as usual.

 

then gives a couple of debt lines to contact Citizens advice etc......

 

Next paragraph goes on about the situation with the OFT court cases etc.

 

Next para says QUOTE

 

" In your previous correspondence you have asked us to explain how we set the level of fees we charge. As this is commercially sensitive infotmation, I hope you will understand that I cannot provide this information." I BET THEY DON'T EVEN KNOW THIS INFORMATION THATS WHY.

 

Next Para Quote

 

Also you have reffered to the guiodelines on credit card default fees issued by the OFT .As the guidelines do not apply to bank account fees ,I cannot comment on it in connection with your concerns. The guidelines are about default fees which people must pay when they break the terms of a credit agreement with a lender.

 

And finally they will keep me in formed with the proceedings with the court cases.

 

Question. Do you think this MMT are looking to negotiate with me or are they just another financial debt help people.? any ideas yourbank ....has anyone dealt with this team ...is it another part of the process under hardship fee retievel.?

 

thanks yourbank regards nigel:evil:

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Ok, OFT842 is not to do with bank accounts but to do with credit card default fees which is the bit about Credit card fees.

Does it have a telephone number for the department? I know the site doesn't agree with calling them unless its recorded, but I tend to go with the "hassle them" tactic on the simple basis or priority debt arrears. Even if it means repeating the same line every single day.....its called the "hassle" tactic :D Usually they want to get rid of you.

You might even want to ask them if they have looked at your financial hardship claim as there is nothing in the letter that seems to indicate that they have.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Thanks yourbank... I agree it just seems like they haven't even looked at my financial statement (THEIRS AT THAT). There is a number which appears on the letter which I don't recognise as a typical Halifax number but it does say customer relations department. Its taken a week from writing it..to receiving it. I will ring this number tomorrow and see if I can make head or tail of it........Thanks yourbank....regards nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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likelihood is they might not be open until Tuesday with the Bank Holiday coming up. However, if they are then hopefully they will be able to "clarify" the letter they sent.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I think banks have this system or ploy to be as unhelpful as possible in the hope that people will give up and just go away.......not me......As I have said before I have seen them deposit large amounts of excrement on my family and their staff and me, and thats what gives me the fire in the belly to go for the jugular. You've paid me out before and you will pay me out again. Your guilty as far as I can see all those out of court settlements oh lets add non liable to get you off the hook.

 

Thanks yourbank for the back up

 

Regards nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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I think banks have this system or ploy to be as unhelpful as possible in the hope that people will give up and just go away.......not me......As I have said before I have seen them deposit large amounts of excrement on my family and their staff and me, and thats what gives me the fire in the belly to go for the jugular. You've paid me out before and you will pay me out again. Your guilty as far as I can see all those out of court settlements oh lets add non liable to get you off the hook.

 

Thanks yourbank for the back up

 

Regards nigel

 

Nigel, I worked for NatWest for 10 and a half years. The basic things you have to remember is that you go into branches which are sales environments. You have your hands tied in knots even if you want to help. If you do and it is not in line with bank procedures set from on high then you risk your own job.

I have sat in an interview room with a customer who has screamed in my face and I mean screamed in my face about charges(it was only a couple of charges). I knew another department were not being truthful with me and that I could get a refund based on the information given. However, the bureaucracy of investigating, getting a response, seeking permission from further up the chain of command, and then being able to get the refund meant that I have to be firm about what I could do. So, do you think the pressures she was under and the fact that I couldn't get a refund straight away meant that they calmed down and said "thank you"? The answer was they screamed in my face some more, said I didn't give a damn about them and promptly told everyone in the banking hall I was crap at my job. I got one of the charges refunded the following week. Nigel, I have never agreed with the idea that staff have an attitude towards people but they are trained in a specific sales orientated way. They are also tied up in bureaucracy about what they can and cannot do, after all, who cares about one person who is sacked from a large organisation.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I think I mentioned further back in my thread the sympathy ,apathy I feel for the staff. In my conversations with the banking people i always have the inteligance to be able to seperate the person as a humanbeing and the job they do. That is why I labelled them "PAWNS". My thing is, at what point up the ladder does a humanbeing also feel such a strong urge to become H.B.O.S. It's probably the over paid,roeswood officed creep hiding behind the pawns. Thats the person I need to speak to.

 

After working for Barclays for 25years, my dad retired. 6 months after retirement he received an emergency phone call that his brother in South Africa was dying and wouldn't last the weekend. The company he was working for at the time paid for his flight out and told him to go pack your bags and get there. 30 mins later at the branch he worked at refused him a £200 overdraft, as the manager didn't feel this trip waranted an overdraft of £200 the whole branch couldn't believe it. My dad was very popular and you wouldn't meet a more loyal,straight hard working person who saved them hundreds of thousands of pounds. He got A's at his reviews everytime. He received a four page appoligy from the directors when he got back. For what it was worth.! Too little too late. Just one reason to fight back, hell you must feel the same to be on this site.

 

Thanks once again for your support yourbank.

regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi again everyone.

I rang the bank to ask about the reply I had from them. I think it works like this. In the case of hardship, the customer services look at your case and then as a course of procedure transfer you to their Money Management Team. I spoke to a very nice lady on the money management team who explained a little bit more about the procedure. Apparently Customer services are still investigating the claim that you put in but they want you to go through a financial statement with the Money Management Team. So as the information hadn't got through to Money Management Team from their customer services (21 days later) the lady said I could go through the assessment straight away with her. She gave me advice on certain things I could look at to improve my situation,[why not just pay me back all my bank charges that is my answer to help my financial situation ]:lol:(not much more I could do ,to what i had already done). After my assessment she agreed that i was spending well below my families size expected expenditure {national family average...what ever that is..?}and that I had cut back on my spending to try keep myself afloat. She thought I had good grounds to claim hardship and that her "report" would now go back to the customer services for further assessment as to repayment of charges. So guys thats my experience of the system for those who are trying to do this.

 

Experience.? If customer services have referred you to their Money Management team, don't sit back and wait it took 21 days and the rest for the M.M.T to even have me registered. So customer services gave me their number 0845 6039079 and I got on with it myself.

 

I had a joke with the girl that there was one important debt/bill/expense missing off of their Financial statement questionaire form.....You guy's have guessed it BANK CHARGES :lol: yes why isn't that on their financial statement. In the last month I have had £455 in charges alone..... I was told it will take a week for the report to go back via some management process. So I think that it will go well in your favor to go through this M.M.T if it is a hardship case (god willing) I found the lady very helpful and friendly and when you see through the H.B.O.S. exterior a common sense human-being was helping me. Here's hoping that the Customer services team can be the same.

 

Hope this has helped at least one person.

regards

 

Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Well where do I start..........er after a 2 hr telephone conversation with a very helpful man in the money management tea, it appears I have been lead up the garden path... lets say with H.B.O.S. this was due to the fact that customer services told me to contact the MMT about my assessment. On every occasion this is what I have done.......NOW...MMT tell me that they are not able to pass back to customer services my assessment of hardship "report". Then why do customer services tell me to contact MMT and ask them to send direct back to the said person their assessment.? MMT can only do that with a certain type of account a CR account..Basiclly when you let the account get to such depths of despair you probably wouldn't ever recover from that situation...Now MMT agree that I am a serious hardship case but because customer services haven't said I'm that type of account this stops them from communicating back the assessment report. huh! :mad: Even while I was speaking to MMT the helpful man put me on hold and went off to talk to the said man in customer services. Now the nice MMT man came back and said that the "Said man had told him something entirely different to what he had told me. This has happened several times:???: This was now getting ridiculous. It basically became lies and for a company of this size was not good protocol. I mean how the hell can one department not be able to communicate with another just because it is not a certain type of account. They can talk over the phone but can't pass reports. H.B.O.S MMT team agree that I'm a serious hardship case but customer services don't want to hear it. huh! I said I feel like talking to the ombudsman about the deceit or lies and the messing about the two departments were doing to me, never mind talking about bank charges and hardship. Anyway my nice man in MMT suddenly came up with oh Mr..... I've just been told by the some team or other that we have now managed to pass the information across to customer services/relations team and you will receive a hard copy as well and they will be in touch with you about your case either later today or tomorrow...........well done nice man from MMT. Many thanks for trying so hard and receiving ear ache, I hope you have managed to pass it to them, I'm just a little bit cynical about an organization who's Manager tells me one thing and then tells his colleague (whilst I'm on hold)the total opposite. Thank you MR MMT MAN lets hope your colleagues in Customer Services can agree with us that I am in hardship and repayment of bank charges would help keep the roof over my family of 6.

Experience: Someone somewhere can make a decision and can make it happen. Paying back bank charges is the flick of a keyboard. STAND AND FIGHT

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Just had my payment for my allocation questionaire refunded to me from the courts.

 

just got to convince the customer services now.......lololol

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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It seems that using the phone has not proved effective for you, which is what we so often find on CAG, although I know others advocate this.

 

If you haven't done so already, I'd suggest a letter of complaint about this and then on to FOS if you don't get a satisfactory result.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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First post so hope its ok to put here.

 

I had a letter about the money managment team too. I thougght about phoning Halifax to have a go at them for not paying me back because i'm desprate. I filled in the form and everything but theystill arent paying up. Does anyone know what I should do now?

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Hi lint, have you started your own new thread.? It is best to do so this enables people to keep an eye on your particular situation.

 

I stayed on the phone for 2 hours talking to them. With a promise that a customer services person will ring me back later or the next day. Guess what they didn't. so I will ring again and explain that your banking customer service isn't doing well and I'm contacting the Ombudsman about this. I'm going to attack from all sides. Me, the Courts and the Ombudsman. Will the message get through I'm not going away.8-)

 

Try contacting the Money management team on this number to see if they have your details 0845 6000500 and use the customer services number on your letter the communication from them to customer services is almost zero. It took 3 weeks when I contacted them direct and they still didn't have my details from customer services. Do the assessment over the phone and stick out for them to post it back to Customer services,they might say they can't......

regards Nigel

Edited by nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi again everyone. Just heard from the MMT team that I have a letter posted to me say that they are going to offer me £400 or so out of the £6000 back in charges. Now I have seen in a thread that they are supposed to offer 100% I believe.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi again everyone. Just heard from the MMT team that I have a letter posted to me say that they are going to offer me £400 or so out of the £6000 back in charges. Now I have seen in a thread that they are supposed to offer 100% I believe.

 

They don't have offer even 1p however the offer cannot be made in full and final settlement as that is against the waiver. However, I would negotiate the amount being paid against arrears that you have. If the amount is merely going to take you under an agreed overdraft then I would ask them to write cheque to the priority debt creditors rather than credit the account.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I spoke to a senior manager and he informs me that they have an instruction not to pay out full six years charges back until the out come of this OFT case. This was a good will gesture on their behalf and when the court case was settled then they would pay the rest if we won. I tried to negotiate the debtors direct payment route and he wouldn't move.So I think its time to go to the Ombudsman to see if they can break the other arm to get them to pay out more of the charges.

 

regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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I spoke to a senior manager and he informs me that they have an instruction not to pay out full six years charges back until the out come of this OFT case. I tried to negotiate the debtors direct payment route and he wouldn't move.So I think its time to go to the Ombudsman to see if they can break the other arm to get them, to pay out more of the chatges.

 

regards Nigel

 

When they write out with the offer make sure you provisionally accept it, because the FOS process can sometimes take a few months due to the number of people going through them. Does the payment merely cover amounts over the overdraft or does it cover the priority debt arrears?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi yourbank.

No this payment merely covers my charges for the month of May alone.

 

They then have offered to cancel any fees I incur for three months after receiving my acceptance of this offer.They owe me nearly £6K so its not much of an offer is it.

 

When you say "provisionally accept it" do you mean just fill in the form and return it and get the payment for now. Can I just ask here .? Sorry to sound green so now I raise the issue with the FOS for them to look at so later on there may be a chance I get paid out the rest by their ruling of my case.?

 

I'm waiting for report to come to me from the assessment that the Money Management team did on me. I asked for a copy of the report as these can come in handy for various reasons first one being... Surely this would be good evidence in my favour if their own MMT have said that I am a serious case of hardship....No.?

 

Regards Nigel

Edited by nigel1804
correction

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi lint, have you started your own new thread.? It is best to do so this enables people to keep an eye on your particular situation.

 

I stayed on the phone for 2 hours talking to them. With a promise that a customer services person will ring me back later or the next day. Guess what they didn't. so I will ring again and explain that your banking customer service isn't doing well and I'm contacting the Ombudsman about this. I'm going to attack from all sides. Me, the Courts and the Ombudsman. Will the message get through I'm not going away.8-)

 

Try contacting the Money management team on this number to see if they have your details 0845 6000500 and use the customer services number on your letter the communication from them to customer services is almost zero. It took 3 weeks when I contacted them direct and they still didn't have my details from customer services. Do the assessment over the phone and stick out for them to post it back to Customer services,they might say they can't......

regards Nigel

 

Thanks Nigel. I'll ring tomorrow. Doesnt sound much of an offer you had. My bills are more than I have coming in so I could do with some money back to pay some off.

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Or well, letter sent accepting partial payment on the provision that they send cheques to my priority debtors.

 

Letter made ready to send to FOS if non compliance by HBOS.

 

don't know why they can't pay all the charges back.

 

Stop being hero's to the bank . Soon they will be drossing a lot of you off into the unemployed world anyway without a care in the world.......But wait you in the repayment department might be lucky......They are going to need all the hands they can get when they have to pay EVERYONE'S charges back.:rolleyes:

 

Just think your redundancy will be with a clear conscience that is....

1.the inner sense of what is right or wrong in one's conduct or motives, impelling one toward right action: to follow the dictates of conscience.

2.the complex of ethical and moral principles that controls or inhibits the actions or thoughts of an individual.

3.an inhibiting sense of what is prudent: I'd eat another piece of pie but my conscience would bother me.

 

4. My moral was so low my conscience beaten out of me, but in my days of unemployement my conscience is back and i can face that new job interview with a smile as I know I payed back all those charges to people in hardship.:grin::rolleyes:

 

sorry thought for the day over.....

Edited by nigel1804

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Ok, hi again everyone. Sent back my partial acceptance on the grounds that they pay cheques direct to my priority debtors and a copy sent to cheif exec. Will be ringing next week to negotiate further.:cool:

 

regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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