horseybee v Halifax

[horseybee]

Hi there, I recently sent a letter to the Halifax stating that my charges where unfair and in breech of consumer rights and that i request a refund of all my charges. I photo copied my bank statements over the last 2 yesrs and posted it last Friday. Now on Tuesday i have received a reply saying "That they are terribly sorry for any upset that they have caused!! and that they are dealing with my claim, and that I will receive a reply shortly, but certainly no later than 4 weeks.":-|

 

Is this normal? and has anyone else received a letter like this? What should i do, should i sit tight or act straight away?

 

Thanks for any info!

[Hayleytin]

from reading other advice on other posts, you should stick to your deadline of 14 days.

[livelylad]

Hi there, I recently sent a letter to the Halifax stating that my charges where unfair and in breech of consumer rights and that i request a refund of all my charges. I photo copied my bank statements over the last 2 yesrs and posted it last Friday. Now on Tuesday i have received a reply saying "That they are terribly sorry for any upset that they have caused!! and that they are dealing with my claim, and that I will receive a reply shortly, but certainly no later than 4 weeks.":-|

 

Is this normal? and has anyone else received a letter like this? What should i do, should i sit tight or act straight away?

 

Thanks for any info!

 

 

Hi Did you send the sar? have you sent the prelim letter or the LBA? are they the template ones?

Why are you only claiming for 2 years? have you had the account longer?

 

Please read the faqs this will avoid so many questions. Let me know the answers and i shall help you.

[horseybee]

Hi there, I just sent a ordinary letter that i wrote myself as i couldnt find any to print off and send! This morning i have recieved a letter which has made my blood boil!! It states that they have looked at my file and "they are sorry to here that iam unhappy with them" but and i quote the letter to you "I note your concern about our charges, but these types of transactions do involve extra work and costs and, as a result, we apply a charge to your account.We are sypmpathetic to our customers personal circumstances, but we do believe it is only fair to pass these added costs on to the accounts affected, rather than penalise all our customers.

 

I have investigated the charges levied on your account but i can find no error on our behalf and therefore no reason to refund the charges to you.

 

Needless to say iam gobsmacked!! It also states that they are committed to complying with the Banking code!!

 

Please help......Has anyone else had this letter or is it just me!!!

[horseybee]

Hi i have recieved a letter today repling to my original letter to the Halifax wishing to claim my charges back and to my SHOCK! :o This is what it said....."Thankyou for your recent letter. Iam sorry to learn that you are unhappy with us. I note your concern about our charges, but these types of transactions do involve extra work and costs and, as a result, we apply a charge to your account. I have investigated the charges levied on your account but i can find no error on our behalf and therefore no reason to refund the charges to you. BLAH BLAH.....

 

I cant believe it!!!! Has anyone else had this letter? And do you have any advice on what to do next???? I am feeling a little p###ed off!!! :x HELLLLP

[Guest ian cognito]

Yes just about everybody has received a letter similar to this, doesn't make the slightest bit of difference, do a bit more reading, FAQ's, step by step guide and the halifax forums and you will have a better idea of the process.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/

[121o121]

Hi horseybee

 

I'd say it was a standard response. Stick to your schedule. Next step is the LBA (letter before action).

 

The point they make in the letter is that they charge you because they have to do extra work on your behalf. We all know it doesn't cost £35 to send a templated letter each time you go overdrawn, and thats what your fighting for. You'd gladly pay their costs if you go overdrawn (postage, letter etc) but you can't as they won't disclose this information.

 

When court action is taken against the banks, they never counter claim. This is because they would have to show their "true costs".

 

Good luck with your claim.