kingchris Vs Halifax

[kingchris]

Posted DPA letter on Friday to local branch.

 

Royal Mail show the letter as recived on Saturday 09th April.

 

Which means they have until 19th May to reply.

 

This is a closed account so slightly different.

[Janet-M]

WELCOME ,please keep us posted on how your claim is going.

[kingchris]

Update 13th April

 

Letter arrived today from a Data Protection Consultant from the Retail Business Risk Department. (interesting that its a risk department )

 

Informing me they will be processing my request and copies will be supplied asap.

 

The letter was also personaly signed with a pen and I have a direct dial contact number.

[Janet-M]

Can you let us know who it is , job title and phone number if it is not already posted under contacts , thanks

[Guest blindman]

Yes, I'd like it too as they've cashed the cheque but I've not heard a dickie-bird and Customer Response claim they've not received the letter!

 

Ta

[kingchris]

Can you let us know who it is , job title and phone number if it is not already posted under contacts , thanks

Added information to contacts thread. (duplicate below)

 

Miss L. Lumb

Data Protection Consultant

Retail Business Risk

 

Direct Line: 01422 332991

Fax No: 01422 394512

 

Address :

HBOS PLC

Trinity Road

Halifax

HX1 2RG

[Guest blindman]

Thanks.

 

Got through to Louise who was very helpful.

[kingchris]

Still waiting for statements.

 

Reminder faxed 04 May 2006.

[kingchris]

Update 17th May 2006

 

Complete set of statements arrived via special delivery today. Just two days short of the deadline.

 

Total due £391.83 Perlim Request sent 17th May 2006 deadline for response : 01st June 2006

[kingchris]

Royal Mail show the letter arrived at the local branch today .

 

I've decided to use the local branch for all letters as I've a hunch it might get dealt with quicker.

[kingchris]

25th May 2006.

 

Automatic letter recived,

 

We're keen to deal with your concerns yada yada.

you will receive a reply shortly, but certainly no later then 4 weeks.

 

Printed / Signed Cheryl Brash.

 

Next step is LBA, I hope this goes to the claim stage so I get the extra intrest.

[kingchris]

Offer arrived in the post today.

 

£30 offer from a £390 claim.

 

The funniest thing is the letter seems to think my account is still open as they refer to checking ministatments and that future charges would stand.

 

Will be sending them a letter accepting the £30 but not as final settlement and also informing them of there inability to write relevant letters.

[kingchris]

Can someone glance at this letter to see if its over the top or not:

 

Dear Lindsay O Donnel,

 

Thank you for your AUTOMATED letter dated the 8th June 2006, you appear to have sent an incorrect automated letter as your threat for closing my account in future is incorrect as it is already closed.

 

Firstly I would like to accept your offer of £30 as a partial settlement of my claim but I will continue to pursue Halifax for the full amount, please send a cheque to the above address payable to Mr X.

 

Please also note the deadline for a positive response to my Letter Before Action is the 20th June 2006 if I do not receive the total amount (£391.83) before this deadline I will be starting court proceedings with no further warnings.

 

Yours sincerely,

[jonni2bad]

Yes, that's fine.

 

Best of luck, sounds like you're approaching the finishing line!

[kingchris]

Finaly found the time to submit claim.

 

Claim ref: 6QZ42097

Date 28/06/2006

 

Now just waiting for payday.

[kingchris]

30/06/2006 Acknowledged

 

To me that seems very quick to ackowlege this case, is this normal ?

[pmhread]

Does seem quick but don't worry about it.

[kingchris]

UPDATE:

 

Nearly there!

 

Reply from Halifax today.

 

Offering to settle the claim for the full amount sort of.

 

Original Claim:

 

£391.83 charges and interest.

8% Interest (court) £51.48

 

Total : £443.31 (£493.31 inc court fee)

 

There version:

£330 charges

£66.05 approximate interest that Halifax has calculated on your account as result of charges

No mention on Court 8% interest so guessing its the £66.05 one (which is larger for a lesser claim!)

 

Total : £396.05 (£446.05 inc court fee)

 

 

They claim in the letter a statment detailing which charges is included in the letter, suprise suprise its not included and have called them they will send on Monday.

 

From the looks of it it would appear that 2 £30 charges are being disputed, and the £1.83 in intrest they charged is not being paid(fair enough)

 

But I can't work out how they get a greater amount of intrest then me for a lesser claim.

 

Will double check my statments but I'm confident that I got it right first time.

 

One thing is the balance of my account when they closed it was -£84.85 (all charges they added) I never paid this and they never hassled me about it. But the last charges were not £30 ones so its not them they have removed.

[kingchris]

Update:

 

The Halifax thinks I'm imagining charges, it seems two are not on there list of charges! I even have the printed statments they sent me .

 

Awaiting them to get back to me when they have had a chance to look at it.

[kingchris]

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group