Haven't sent DPA but.....

[andrew280979]

I did send a letter of complaint after receiving a £39 charge for an unpaid DD with the threat of a £28 unauthorized overdraft charge.

Today I received a phone call at work from their complaints dept asking how I would like to proceed!

 

She generously offered to negate the £39 charge and the £28 overdraft charge at which point I explained that I had been doing some research and would be requesting a copy of all charges for the past 6 years. Long story short, she told me there were almost £900 of charges in those 6 years and she is authorized to offer me just under £500 (I forget exact figures).

 

The interesting bit is she claims it is company policy to refund the the charges for the 6 months that has incurred themost charges.

 

I thanked her for contacting me personally but asked for a copy of any offers to be sent to me in writing, which she said she would do, as well as a copy of all charges over the past 6 years.

 

One thing that made me bite my tongue was while idly chatting I asked her if she'd ever looked in to the legality of the script she was reading to me (Part of the terms & conditions, not legally obliged to supply details of manual intervention blah blah blah) and she said. "I don't have too, I don't have any financial difficulties!"

 

CHEEKY B***H

 

Any difficulties I've had have been caused by them in the first place.

 

Anyways, good luck to everyone taking a stand, this site is a goldmine for ammo.

[Bookworm]

Welcome.

 

Be careful that she isn't leading you up the merry path... If in a week, you haven't got your stuff, you could find yourserlf having to do a proper DPA request and having wasted time, which is pretty much what they like to do. My advice is, don't take her word for it, spend the £10, it's well worth it, and send the DPA request anyway.

[andrew280979]

I find it quite plausible for banks to use unscrupulous tactics like telling their employees to waste their customers time by promising things and not delivering.

Good advice Bookworm.

Thought she was quite nice and reasonable till the snidey comment.

 

Though she did admit she was reading a prepared speech as to what to say and that there's been a lot of requests for DPA's of late.

 

GOOD, I hope every single one pursues it and gets a reimbursment.

[andrew280979]

Received my offer.

Total charges 01/03/2001 - 24/03/2006 = £868

They offered £450 - No Ta.

Posting LBA today.

[Bookworm]

Good stuff. Keep us posted.

[andrew280979]

Janet Pollitt

Customer Realtions Manager,

Core Business Team,

Customer Realtions

 

Was the lady (!)who dealt with me initally, would be interested to know if she's dealt with anyone else here.

[laurawilliams]

yep she tried to get me to settle for £160 by letter a few days ago, but im claiming £566! turned her down and have sent LBA

 

good luck!

 

Laura

[andrew280979]

Lets say for examle if I were to use my debit card in store "X" and their were insufficient funds it would just be declined, no letters, no charges just the cashier asking if I had another way to pay.

I'm not an expert in banking administration methods but I don't understand the vast difference in the banks approaches to these electronic transaction methods.

 

Any thoughts?

[Bookworm]

No, it can't and doesn't.

 

Having said that, you're starting a new thread when this should be tacked at the end of your existing one. I suggest you copy and paste yours again at the right place, if you want anyone to answer.

[andrew280979]

Surely a DD can't cost them £39......

 

Lets say for examle if I were to use my debit card in store "X" and their were insufficient funds it would just be declined, no letters, no charges just the cashier asking if I had another way to pay.

I'm not an expert in banking administration methods but I don't understand the vast difference in the banks approaches to these electronic transaction methods.

 

Any thoughts?

[dax]

DPA, LBA ?

 

Sorry for my ignorance but what do these terms signify, theres a whole lingo going on here, fill me in?

[laurawilliams]

first you need to have a good read through the FAQs and the forum as there is a lot of important info. then if you have any probs you can come back to the forum and start your own thread

[dax]

Thanks for that,

Wait till I tell my poor daughter about this site, shes struggled through her degree, bank charges and been stitched up like the rest of us have, its all hard to believe. No wonder were refered to as the gullible public, weve all been had by the bastards..

 

Does this apply to mortgages as well does anyone know?

[dax]

Yes but can you tell me what DPA nad LBA stand for.

I have visited the FQA section which required me to input a search for my query

I did this but nothing came up!

 

So a bit lost......help!!

[andrew280979]

DPA = Data Protection Act Request(Tell me how much I've been charged scumbags)

LBA = Letter Before Action (Give me my cash or see me in court)

[andrew280979]

I'm about to file my claim on moneyclaim, should I use Halifaxs corporate HQ and if so can anyone tell me what it is?

Tried looking on halifax-online but it's almost as if they don't want their customers to know it. Funny that eh?

 

Cheers all

[dave]

Mortgages? Yes. Local lawnmower man (if he charges you a penaly for breaking his t&cs? Yes.

 

Anyone in fact who has penalised you for a breach of contract.

 

Have a read of the FAQ and associated material, and you will find answers to questions you didn't know you had!

[andrew280979]

Claim file online tonight (05/05/05)

Let it pan out and see what happens.

[andrew280979]

22/05/06 Halifax intend to defend the full amount.

[andrew280979]

24/05/06 Letter from Halifax saying not cost effective to defend etc.... Claim settled, checked bank and money in my account. Result.

[EKELSEY]

Congratulations!

 

Can't believe they got back to you so soon- filed my claim at court on Mon and still heard nothing. Given me hope that they'll deposit money next week (fingers crossed!)

 

Congratulations again

[andrew280979]

I was a bit surprised too. Thought they'd make me wait the full 28 days.

[andrew280979]

This topic was closed on 03/08/19.

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