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    • @Manxman in exilethank you for your input its very appreciated yes I've limited time will see what I'm dealing with when I get back 
    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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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

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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 !

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Agree with last post,

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

HALIFAX PAID IN FULL TODAY!:D

 

Stick with it and Good Luck

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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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!!!!

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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!!!!!

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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me too elaine, sent me two of everything

 

must've cost more than the £5 in postage

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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  • 3 weeks later...

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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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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!

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