Peterbeale VS Halifax-- settled in full

[peterbeale]

Hi,

 

Sent my request for refund to my bank this weekend - 8/4/06, sent it first class recorded, so they can't deny not receiving it! (unless royal mail keep up their record).

 

Halifax have taken just under £2500 in charges in just over 3 years from me, can't wait to see if the legal system actually works?

 

Peter

[chipsandsausages]

Good luck mate. Keep us posted on how long it takes them to cough up!

 

Expect a letter saying something along the lines of, "we are sorry you're not happy....yada yada yada..... please read this leaflet while we look into your complaint" signed, "a computer programme - not actually a person, but a signature made to look like a person has signed it....."

 

Keep it going - like it says in the FAQs - don't falter - and soon, you will be writing - "Halifax paid out!"

[jonni2bad]

Did you once own a market stall in Walford?

[Guest blindman]

Hi,

 

Sent my request for refund to my bank this weekend - 8/4/06, sent it first class recorded, so they can't deny not receiving it! (unless royal mail keep up their record).

 

Peter

 

I discovered that the 'Recorded Service' is a waste of space.

 

Lost

 

Wonder how many more items get 'lost' when going to the Halifax?

[peterbeale]

Hi Thanks for that, no i did not own a fruit and veg stall, i have been around at least 3-4 years previous to him appearing. Joke that is wearing a bit thin now.

 

 

I have received a letter from my local branch this morning, saying thank you for my letter received 11th april, blah blah blah. it has been forwarded to our dedicated department regarding this issue at customer relations.

 

The best of it, is that the letter has a date on it of 9th February 2006, also says about my request to have my charges repaid within 28 days, even though my preliminary letter stated 14 days, and it printed wonky on shoddy quality A4 paper.

 

Only good thing was that it was manually signed, with a blue biro.

 

Oh, yes i did get the cheap leaflet about "personal customer complaints"

 

Thanks

[chipsandsausages]

Don't even reply to that one. Wait until your 14 day deadline is up and then send your letter before action. See my thread for update on how my claim is going (chipsandsausages v halifax) - once you send your LBA, expect a swift response.

 

At least you know we're all getting the same letters - they've probably printed out a job lot - and had to order more leaflets!!!

[peterbeale]

Hi

 

Got no intention of replying, just going to wait for the 14 day period to expire.

 

While I'm waiting i'll be writing the LBA, give them a very big shock

 

Ha Ha.

 

I'm not going to back down on this one - I Want my money back!!!!!!!!!!!

[chipsandsausages]

Good for you. I got an offer of £380 - pah! I will await their next offer. Wonder how much they'll offer you?

 

As long as you expect to have to put a claim in - you'll be alright. They will go as far as they can in an attempt to frighten you off - but WE know better.......

 

Da Da Daaaahhhh!

 

(That was supposed to sound dramatic - sorry)

[peterbeale]

Hi All,

 

Just an upate really, still not heard nothing since sending off prelim letter, and receiving the automatic reply letter, 14 days is nearly up (this saturday coming).

 

Already have LBA ready to go. Will enjoy sending this one off!

 

For once in my life i feel good about screwing a bank for money, instead of the bank making me feel bad and screwing me.

 

Ta

[peterbeale]

Hi Everyone,

 

Another update.

 

Received letter from Customer services, everyone knows the one - the automated typed signature default reply letter.

 

This is the reply i received.

 

 

 

"Dear Mr Beale

 

Thank you for you letter dated 11 April 2006 requesting information on your account for the last 6 years.

 

Copies of bank statements can be provided with this information on. there is a £5 charge for this service." BLah Blah Blah

 

Usual crap below this.

 

Signed

 

CareyAnn McEwan

 

 

 

I have just a few point to say before i send my LBA.

 

1. I have not had my account for 6 years
   
2. I never asked for copies of my bank statements
   
3. I sent the prelim letter not the DPA

In th 14 days waiting for this reply i have had even more charges added to my account, which now pushes charges up to £2525.00

 

 

More info soon.

[jonni2bad]

Looks like we've made them all confused, poor people.

[peterbeale]

Theres nothing poor about them, they have all our money!!

 

Bunch of (edit) rascals

 

Ha Ha

[peterbeale]

Hi All,

 

Just had a thought, as my account is overdrawn by several hundred pounds, most of this is accumulated charges, (when i say most i mean all). when i file my claim and if (big if) they refund my money to the full amount, would they have to zero my account then put my money in or would i have to pay that overdrawn amount?

 

 

"To succeed in winning the battle, stay positive, visualise the outcome, and never give in to negativity":smile:

 

 

As for me i am visualising i have won and i have my money, and not even thinking negatively.

[chipsandsausages]

I don't think you'd get them to zero your a/c first, that would be like paying up twice. Your OD amount, as you say, is complied of charges. For them to refund your charges to you - would zero your a/c - and give you the chance to start over.

 

Anyway, I like the bit about not thinking negatively, I'm exactly the same. Got the money spent already! (after squaring my OD anyway!)

 

Hope you get what you're owed.

 

x

[mechs]

Don't even reply to that one. Wait until your 14 day deadline is up and then send your letter before action. See my thread for update on how my claim is going (chipsandsausages v halifax) - once you send your LBA, expect a swift response.

 

At least you know we're all getting the same letters - they've probably printed out a job lot - and had to order more leaflets!!!

 

At least the printers are raking it in this time lol

[peterbeale]

UPDATE!!! 28/04/2004

 

 

Received letter from halifax this morning, giving all the usual crap about how they incur costs for every item and transaction, yada yada yada

 

Goodwill Gesture of - £531 for full and final settlement

 

Signed by

 

 

Wait for it

 

 

Yes you've guessed

 

Richard Aitken

 

 

I'll tell you what, i ain't takin' no prisoners, i'm in this for the long haul.

 

I WANT MY MONEY BACK!!!!!!

In the last couple of days i have also sent off letters to Nationwide and my halifax credit card.

 

Cant wait for their responses.

 

------------------------------------------------

 

Halifax Current Acc - £2525

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

Nationwide Flex Acc - £634

27/04/2006 - Prelim Letter Sent

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

[peterbeale]

Here is my reply letter, please can you tell me if this looks ok.

 

As i am a bit wary of the last paragraph.

 

Thanks

 

 

 

Halifax plc

PO Box 548

Leeds

LS1 1WU

 

29 April 2006

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX Sort Code: XX-XX-XX Roll No. D/XXXXXXXX- X

 

Thank-you for your letter dated 27th April 2006 (Your Ref: XXXXXXXX). However, whilst I appreciate your swift reply your offer to partially refund the amount owed is unsatisfactory.

 

As stated in my previous letter (I have attached a copy of this), I calculate that you have taken £2525.00 since I opened my account with you, and I require that the full sum plus interest owed should be refunded forthwith.

 

If you do not comply fully within the 14 days, then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

For a reminder and your reference the 14 Days I have given you to respond within before court action proceeds ends on the 06 May 2006.

 

Yours faithfully,

 

 

 

 

 

Mr Peter A Beale

[chipsandsausages]

 

Thank-you for your letter dated 27th April 2006 (Your Ref: XXXXXXXX). However, whilst I appreciate your swift reply your offer to partially refund the amount owed is unsatisfactory.

 

As stated in my previous letter (I have attached a copy of this), I calculate that you have taken £2525.00 since I opened my account with you, and I require that the full sum plus interest owed should be refunded forthwith.

 

If you do not comply fully within the 14 days, then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

For a reminder and your reference the 14 Days I have given you to respond within before court action proceeds ends on the 06 May 2006.

 

That seems okay to me, it tells them everything they need to know. The only difference with my last letter to them was, I accepted their offer to refund part - but told them I didn't accept it as a final settlement and that I would be claiming the remainder through the courts.

 

They've not replied yet - quelle surprise!

 

Good luck! Hope you get your money back too.

x

[mechs]

All the threads end the same way Halifax more or less tell us to get stuffed untill they are being taken to court then they pay up with the interest and the extra fees (perhaps this is where they got their "extra" slogan from lol)

Still it worries me not lets hope i get the extra with my claim as well,

 

 

I just wonder what the shareholders will think about all this extra going out

[peterbeale]

It took me a while to get into the swing of things, but i am now going all guns blazing, not going to back down not in a million years

 

 

UPDATE

 

More charges added to my account again. another £28.

___________________________________________________

 

Halifax Current Acc - £2553

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

 

Nationwide Flex Acc - £634

27/04/2006 - Prelim Letter Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

[peterbeale]

Hi All,

 

As the deadline is approaching fast, before i file my claim, what do i put on the claim, i have read the posts about filing a claim, but i'm a bit stuck?

 

I have the basics ready, which is from the forms forum, about the hard copy of the n1 form. but i'm baffled!

 

I want to add abit about the defaults (or would it be a waste of time) to be removed.

 

What have other people written in their claim.

 

PLEASE HELP ME!!

 

 

----------------------------------------------------------------------------------------------

 

Halifax Current Acc - £2558

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

 

Nationwide Flex Acc - £634

27/04/2006 - Prelim Letter Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

[blasthebank]

Hi Mr Beale,

I see you too have recieved letters from CaryAnn McEwan, judging by my response from her as well as yours, i have come to the conclusion, She can not understand the basic meaning of the English language. It is my asumption that she has roughly 5 standard letters on her Pc and it's pot luck which one you recieve. Maybe she has been employed as a deCoy.!!!!

[chipsandsausages]

Peter - BF has put all the details in the library for you. It's under the title "Do you realise you may have to go to court?" Everything is there from 'particulars of claim' to how to address the judge.

 

When filling in your 'particulars of claim, you have to use less than 1080 letters. I struggled with this, and abbreviated a bit where I could save space. That was the only problem I had. Have a mooch round the library, it really is all there. I have printed it all out and put it in a file so it's handy for me to look at.

 

Good luck, and don't be scared. We're all here to hold your hand!

 

x

[peterbeale]

Hi C&S,

 

Don't want to sound stupid, but i can't find it in the library.

 

Please help

 

I think i have gone blind, or maybe i am just stupid.

 

Thanks

[chipsandsausages]

Hi C&S,

 

Don't want to sound stupid, but i can't find it in the library.

 

Please help

 

I think i have gone blind, or maybe i am just stupid.

 

Thanks

 

It's under case guidance notes - and then 'going to court'

 

good luck x