Dave takes on the Halifax *** WON ***

[Sledge]

Hello to all Having been with the halifax for 16 years now.....i finally got told by someone about your site. My bank charges, as i remember them, are quite substantial. Have been reading through your sites forums, i am greatly impressed, it has given me the will to finally take some action.

 

Am sending off my letter to ask for statements tomorrow morning. In accordance with your advice, i have opened a new account with my wages already going in....so i am now ready

 

Wish me luck all, i apologise in advance for some rather silly questions that may come from me in the future.

 

Thanks for at least giving me the bottle to finally follow it through.

 

Will keep you posted.

[livelylad]

Hello to all Having been with the halifax for 16 years now.....i finally got told by someone about your site. My bank charges, as i remember them, are quite substantial. Have been reading through your sites forums, i am greatly impressed, it has given me the will to finally take some action.

 

Am sending off my letter to ask for statements tomorrow morning. In accordance with your advice, i have opened a new account with my wages already going in....so i am now ready

 

Wish me luck all, i apologise in advance for some rather silly questions that may come from me in the future.

 

Thanks for at least giving me the bottle to finally follow it through.

 

Will keep you posted.

 

Luck not required you will be just fine.

[Springer]

Hiya Sledge

 

You will be fine! Just get your highlighter pen at the ready for when you receive those statements!

 

We'll all be here to cheer you on if you need it!!

 

xoxox

[Sledge]

thanks guys

[Sledge]

Some more news! My wife has been charged thirty nine earth pounds for going ten pence overdrawn!!!! How dare she!

She has just sent off for her statements!!!! This will be interesting!

[mikefellows]

Haha... fools...!

[Sledge]

Still waiting for my statements to arrive. Had a missed phone call today from Halifax....wonder what that could be about! They were so polite telling my wife that they dont wanna talk to her....she only asked for a number so i could ring them back!

 

Anyways, checked my online statements for one account with them.....in forty days i had ELEVEN charges at thirty nine earth pound for each charge!! And they wonder why i went overdrawn! That was my savings account too!!! Oh i am sooo going to enjoy this!

 

Edit: This phone call i am awaiting! Is this the part where i tell them that they do all correspondence in writing?

[Angi]

You got that right, Dont talk to them over the phone, I think they have been training new staff to take the calls, probs coz the old staff have left due to high stress levels from all the members on here lol

[Spuddy]

Good Luck Sledge. Sounds as if you're going to have quite a substancial claim. Never seen an instance whereas the Halifax has called to speak with a customer regarding a SAR request. Maybe they're trying to knock it on the head while they think they can and try to discourage you from continuing?

 

Stick to your guns. I have been offered 10% goodwill, 30 % goodwill. Filed MCO for £1750 last week, which they haven't even acknowledged yet.

[Sledge]

thanks Angi and spuddy Got a letter today, my current account , although within its overdraft limit....for once....has not got a regular wage going into it (because i have now got it going into a different bank)...therefore in order to retain my overdraft and other facilities please make a payment within 7 days and continue to fund your account on a regular basis!

 

 

I find it cheaper NOT to fund my account with halifax to be honest! I have spoken to them on the phone reference this and explained that my account is currently in dispute. It seems apparent that the left hand doesnt know what the right hand is doing!!

They are happy to hold on any further contact until my dispute is settled.

 

Edit: spelling!!!

[Sledge]

Hello again. Thought i would chase up my SAR today, find out that it isnt logged on their computers about it :S

I have customer care ringing me back tomorrow before 5pm. I have noted the time of the call and the content. Got me thinking though, what if i dont recieve my statements after the forty days has expired? (29 november)

I cannot go onto the next step as i will need my statements to verify the amount they appear to owe me, i thought i saw something on the forums a while ago but i cannot seem to find it again!

 

Any help is, of course, greatly appreciated.

[Sledge]

Okay!! Had no phone call yesterday, not really surprised to be honest. So i phoned them up today. Still no record of it arriving...although i have one I was advised to go into my local branch and submit the request there with a copy of the proof of delivery. I did this, much to the shock of the cashier!! Obtained a receipt saying what i had requested the branch to do and they have faxed the information to head office. At least now they have a record of it!

 

Now i take it that the forty days still applies from when i originally sent the first letter? Which means their time is up on the 29th november. I trust due to the limited replies, i am doing the right thing here....its only what i am reading from what the other forum posts have said.

However, if i am going wrong somewhere, or may have overlooked something....please help me out Many thanks

[Sledge]

Recieved a nice phone call today. Halifax have now officially found my request, and i will have the statements at the end of the month...deep joy.

 

This could be interesting!

[Springer]

Hi Sledge

 

Just had a quick peep to see how you are doing! - Hope your statements come soon!!

 

xox

[Sledge]

Thanks buddy

 

I see you are also at the waiting stage...almost done though mate eh?!

 

The best of luck to ya

[Sledge]

Okay, my statements arrived from one of my two accounts this morning. So my question is this....can i now proceed with the next stage or would it be better to wait for the other account statements to arrive...as i only sent the one letter requesting statements for two accounts?

[Sledge]

Okay, i will await the statements from the other account as the forty days hasnt yet expired. Will post when i get them

[Springer]

Hiya Sledge, thanks for the comments on my post!

 

If I were you I would continue with the account you have your statements for, as it would probably be easier to do separate claims for each one anyway? Will also keep you occupied while waiting for your other statements to come through!!

 

All the best with it!

 

xox

[Sledge]

Aye fair point matey

 

 

You are most welcome with the post comments too

 

Will crack on with the first lot now. Here goes nothing

[Sledge]

This morning, i got a standard (it seems) letter from my adorable money looker afterers!!!

It goes,

Thankyou for your letter requesting specific info on your account with us, i can confirm that your statements have been ordered and will be sent under seperate cover.

 

 

With regards to your request for info relating to manual intervention to your account, we are unable to assist further with this. blah blah blah.

 

Looks pretty standard thus far.

Just waiting for the other set of statements.....oh and the wife is eagerly awaiting her statements too.

 

 

Will keep you posted...for those that are interested.

[halibut]

I had that exact same letter on Saturday, and my statements arrived today (tuesday)

 

We should have a race - see who gets their money first

[Sledge]

An interesting developement! Got a lot of post from halifax this morning. One stating, that i would recieve my statements before the 27th december...stalling me!! The other lot of mail was my entire history of my joint account (about three years) and my ENTIRE history of my current account (17 years)!!!!

So, the question i am asking now is, (and consider i have already sent off for claiming my current account from the last 6 years) do i resend my spreadsheet, for the entire history of my bank charges....it will probably double the amount, and start the calender clock from the day i send them off?? If so, how do i tell them to scrub the last one and start frwesh from this one?!?!?! Im really no good at the formal legal type of letters. Any help gratefully welcomed please.

[Angi]

Hiya

 

All you have to do, is add the charges to the spreadsheet, you dont need to tell them anything.

Remember you can add charges right up to the court claim.

[Sledge]

yes, but this is all for 17 years worth! i have read peeps going back twelve years! Not 17.

Dont want to blow it is all.

[orfoster]

Hey, anything over 6 years is the same. If they do it for 12 years or 30 years it works on the same principle. Yes i have seen some people on here do it quite well with little fuss. Why not?! Its up to you how far back you go, im sure there are some other threads on here that show you how to do it and how to edit the letters to match. I would keep them updated though with the schedules up till court, i.e if the amount does change then i would indicate this in your pre lim or your LBA just topping up the amount on the spreadsheets each time.