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Halifax Credit Card Charges Reclaim


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Hi,

It is usually the card rate unless the terms and conditions state otherwise

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or what they call purchase interest.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks I have found it now, it is in small print in the same category as cheques,

 

I am putting a claim together for charges - should I charge the same rate as they have charged me?

 

Also can i claim back over limit fees and late fees after they reduced the £25 charge to £12 or is £12 deemed acceptable ?

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Yes and yes.

 

Where they have charged you £25, they are likely to offer you the difference between the £25 and £12. This is their attempt to get out of paying more.

 

You are entitled to go for the full amount

 

Please don't say this is Capital One

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Haha no its halifax

 

I was referring to when they all changed the amount they charged in about 2007 before that they charged £25 per item then it went to £12 per item , I was not sure if I can claim back charges after it dropped to £12

 

I have received court papers and trying to put together a counterclaim

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Now, are these charges for a credit card or loan? Overdraft charges cannot be reclaimed anymore

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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That's interesting as some people say they can although it may need a court claim.

 

In some (few) cases this may be allowed. If a creditor knew you were in financial hardship yet still slapped on interest and charges then they would not be treating you fairly as prescribed by the BCOBS rules and as such a court claim could be initiated if the complaints process failed.

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on bank accounts i'e overdrafts, its difficult

 

if benefits are involved AND they are post NOV 2009, then def poss under BCOBS

if post nov 2009 BCOBS/Hardship does work

if Pre NOV 2009, you can use Hardship alone.

 

but the further you go back, the more [or less!!] is in your favour.

 

you can do court, but not usually for od charges

 

most banks cave in on Pre 6yrs charges claim on loans, credit cards if you issue a claim form.

 

see the shelley threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

As it is for a credit card, go for it.

 

I'll have a look at the attachment but I can never make anything out of them. :|

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would remove the PPI as that is a separate claim. Why only two PPI payments?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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hang on a court claim

 

you can't use this as a counter claim sadly.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you need to forget this and return to your court claim thread

comeback to this afterwards.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

nope as andy says in the court thread

 

if you don't defend all you'll get a CCJ by default.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

28 days

 

post these questions on your court thread please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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