Josiedoll v Halifax - SETTLED IN FULL

[Josiedoll]

Just sent my letter by recorded delivery requesting £2025 in charges to be refunded. Will go all the way with this one as I was fleeced when at my most vunerable and the bank refused my requests for help.

[Bookworm]

Good.

 

Keep us posted.

[Josiedoll]

Just recieved an offer from halifax for £150. As they owe me £2025 this is a joke. Will write a letter accepting this offer and requesting the outstanding balance. As luck would have it in the same post was a letter informing me that They were charging me for an unpaid direct debit and if this causes me to go into an unathorised overdraft I will be charged an additional £28. However it also states that if my unauthorised overdraft is £30 or less then the unauthorised overdraft fee will not be applied. I DONT have an overdraft facility so what is this all about?

[jonni2bad]

Once again, a computer generated letter.....

 

If a human had checked your account, they would have been able to use common sense.

 

Computer says Nooooooo

[Josiedoll]

I have just recieved a phone call from my internet provider informing me that they submitted a request for a direct debit payment on the 3rd of may as usual and on the 18th of may it was declined by halifax. The payment always comes out at the beginning of the month and there was plenty of money in my account for it to be taken. I am phoning my bank tomorrow to find out why. Any chance they are playing games with me. The bank has not informed me that it did not pay this direct debit, have they done this with other direct debits on my account this month and does anyone think this has happened because they recieved my LBA at this time. I am not a happy bunny at the moment. Surely they can't do this?

[Josiedoll]

Filled in my N1 form for county court yesterday. The bank are claiming that they have not recieved my LBA which was sent by recorded delivery. The post office have not been able to track my letter. Have e-mailed halifax and attached my LBA. What now? Do I wait the 14 days again?

This is typical of this bank. A couple of years ago I complained to the ombudsman about them, but they denied recieving corresspondence from me and therefore there was nothing the ombudsman could do.

[jonni2bad]

Recorded items often don't get updated online by the Royal Mail, hence I don't use it, but this doesn't mean that it hasn't been delivered.

 

Any 1st class mail is deemed to have been delivered in 2 working days (you will note that your bank don't send anything recorded!) so if 14 days have passed since the date they should have received it, then file your claim.

[Josiedoll]

I e-mailed them yesterday. They firstly said they had not recieved the letter. Then in a second e-mail admitted they had recieved it. And what's more. recieved offer in the post this morning for £446.00. What a coincidence! Will proceed with claim through County Court.

[jonni2bad]

Good stuff

[Josiedoll]

County court claim number - 6AA00463 issued on 5th June 2006. Yipee now the ball is well and truely rolling!

[Josiedoll]

I think I have won. No letter, no phone call, and they have until the 21st of June to reply. Just checked my account and it has been credited with £2,495. Charges,interest and court fees. YIPEEE!

[Josiedoll]

Having problems donating to the site. Pay pal won't accept my details. It is a Halifax visa/electron card, maybe that is the problem. Any other way to donate? Oh by the way, a big thank you to everyone. Forgot to mention it before as was toooo excited. Have been running around like a loon. X

[Tinkerbelle]

Congrats Josiedoll!!

 

P.S. You can use Electron with Paypal. Do you have your bank account linked to your pay pal account?

 

PM me if you need help.

[mechs]

I think I have won. No letter, no phone call, and they have until the 21st of June to reply. Just checked my account and it has been credited with £2,495. Charges,interest and court fees. YIPEEE!

 

Yeahhhhhhh well done Josie and CONGRATULATIONS!!!!

 

mechs

[jonni2bad]

CONGRATULATIONS

This is great news, well done.

Would you please fill out our survey - Bank Charges Refund Survey

(and don't forget we can only survive if we get donations!! cough cough)

 

 

[Feux Verts]

Well done Josiedoll!!!!

 

Welcome to the club - don't forget to e-mail them to say "Thanks" !!!!

[Josiedoll]

This topic was closed on 03/08/19.

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