I Won!!! I Won!!!! I Won!!!!

[jackboy]

Hi

 

I'm thinking of starting my claim against the Halifax for charges on my account and I understand that they may close my account as a result, but our Mortgage is also with them. My claim wouldn't be connected in anyway with our Mortgage account but can they and would they get back at me through this?

 

Thanks

 

Kaz

[mechs]

As long as you keep the payments up on the mortgage, they can't do anything

[Ginnser]

I have a mortgage with Halifax and several account.

 

Just managed to get £2700 from them today for charges over last 6 years on a current account !!

 

GO FOR IT

[jackboy]

Thanks for your replies - I'd want to go back 5-6 years and I've got a wad of statements for at least the last two years so will go through them first and then ask for the other 3-4 years.

 

Roughly worked out that it should be around £2,000/£2,400ish.

 

Kaz

[jackboy]

Ginnser - so it took you roughly 6 weeks from start to finish?

[Ginnser]

yes in total from first letter. Stick by the timescales, issue your letters bang on 14 days irrevellant of what communication you get from bank.

 

Its simple !

[nona]

Agree with last post,

I sent my prelim letter 10/07 issued Moneyclaim last Monday (7th)

HALIFAX PAID IN FULL TODAY!

 

Stick with it and Good Luck

Nona

[jackboy]

About to submit my letter today asking for all the statements for the last 6 years and wondered if it was ok to hand it in at a branch and get a receipt from them, instead of posting it?

 

Thanks

 

Kaz

[jackboy]

It's ok - rjust ead an old thread in which someone had handed it in at a branch so may do that this lunchtime.

 

Thanks

 

Kaz

[jackboy]

Just handed my letter in and asked for a receipt. The customer adviser looked at the letter and said that they don't give receipts for this and said that she could give me her business card with today's date to show that I'd handed it in.

 

Lets see how long it takes to get a response.

 

Kaz

[Elaine 54]

Hi Hun

they gave me a receipt, as usaul there talking out there back sides good luck

[Elaine 54]

Hi Hun

they gave me a receipt, as usaul there talking out there back sides good luck

[Brad Smith]

they gave me a receipt too, but I'd paid them £5 for the statements, so could be slightly different

[jackboy]

Thanks for replying

 

As soon as she saw what the letters was about, her manner totally changed and when I was leaving she went in the back straightaway with my letter so hopefully that means it's winging it's way to the right dept as we speak.

 

I said in the letter to take the £10 (I thought it was £10 but even better if only £5) straight from my account. I'll give it a week and then ring them on one of the Data Protection Department telephone numbers mentioning in one of the threads to check if the statements are on their way.

 

I do have a lot of my statements for the last 18 months and the charges on them alone add upto around £950, Got my current statement this morning and this month alone they'd added another £99 so that brings the total at the moment to around £1050! God knows what the amount will be in total for the full six years.

 

Thanks

 

Kaz

[Brad Smith]

good luck Kaz, I was totally stunned at how much they'd taken from me. Fingers crossed we'll both be celebrating soon

[Elaine 54]

Hi Kaz

Mine is nearly 4,000 they owe me for 6 years keep your chin up hun and don't let them worry you, it will all come good in the end

[Brad Smith]

it's amazing how it adds up isn't it? On one day they'd taken £478 off of me

[jackboy]

Been reading on a few threads where the Halifax have paid out and some have been completed in around 6-8 weeks so if that's the case with my claim, christmas will be a good one this year!!!!

[jackboy]

Just checked my account on online and there's been a £5 standing order been taken out yesterday. Don't have any standing orders set up by me for £5 so presuming that it's the £5 charge for my statements! Just got to wait and see the postman hates me when she delivers them!!!!!

[Elaine 54]

good luck hunnie i got about 70/80 letters from halifax lol but mine where duplucates they like to confuse you, took me days to work it out

[Brad Smith]

me too elaine, sent me two of everything

 

must've cost more than the £5 in postage

[jackboy]

Just got their standard letter saying that the statements have been ordered and that they don't record manual intervention on my account so looks like we are on our way!!!

 

Kaz

[jackboy]

Hi

 

Handed my letter in at my branch on Wednesday 23 August, got the letter acknowledging it and stating that they do not record manual intervention on Saturday and got home last night to 44 envelopes!!!!

 

Just added it all up on the simple spreadsheet and the charges alone since 1 May 2000 to today are £3,871 and with the interest at the moment added, it amounts to £4,704.45!!!

 

Will send my letter requesting a refund today or tomorrow and see what they say.

 

Thanks

 

Kaz

[jackboy]

Please Help!!!!

 

About to send the Preliminary letter asking for repayment but stuck on this paragraph

 

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

I understand that in the first XXXXXXX I put the total amount of charges £3,871.00 but in the second one do I put the interest total of £833.45 and then the total at the end? I've only used the simple excel spreadsheet to total up. I don't think I could work out the amount of interest charged on an overdraft to save my life!!!!

 

Thanks

 

Karen

[rjol]

I don't think you request interest at the preliminary stage; you only add this in when you issue the money claim.

 

Take out this section in the prelim letter and don't put the interest into the schedule - just the charges.

 

Hope this helps and good luck!