Mupster v Halifax **WON**

[Mupster]

Hi all,

 

I am going after NatWest to get my unfair charges back and wasn't going to bother with the Halifax until I calculated that in the last 5 months alone they have charged me almost £500!!!!!

 

So today I'm requesting copy statements.

 

Just out of interest, I telephoned them a few months back because they had charged me £39 for not paying an item when I paid in cash that day to cover it and was advised that the standing orders are debited at 4am and I should have paid in by then (of course I wondered how on earth could I have paid in at 4am!!!!)

 

I was also told on one occasion that I phoned them and they did actually agree to refund a charge (and this one really WILL make your day) that I could not have any more charges refunded for the next 3 years unless it was their fault!!

 

Good luck everyone. We can't let them take our hard-earned money like this.

 

Mupster

[Guest ian cognito]

Yes there's a few only make 1 refund in a set period but thats all I'm after - one refund of all my charges!!! seems fair to me.

[Mupster]

Well folks that was easy! One telephone call and statements back to 2003 are on their way in the next 7-10 days.

 

Watch this space!

[cluert]

Hi Mupster,

I am interested in how you claim goes. I sent the 'data subject access' letter to the Halifax yesterday requesting info on the manual intervention etc and recieved a reply today (thats the fastest they have ever replied before!) stating that copy statements have ben ordered for past 6 years and they refunded my £10 chq 'in the interest of customer relations' but with regard to the manual intervention, they apparently are not ...and I quote....'under no statuatory obligation to record the information you require, thus are unable to comply with your request'.

Not quite sure where to go from here...any ideas?

regards

cluert

[Guest ian cognito]

Yes you get your statements, feed them into the spreadsheet from the template library then when ou have picked yourself up off the floor from the shock of ow much you have paid them, you send the prelim - again out of the template library.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Good luck!!!

[Mupster]

then when ou have picked yourself up off the floor from the shock of ow much you have paid them...

 

lol think this will be me!!!!

[Mupster]

Has anybody had their Halifax account closed after claiming unfair charges? It's the only bank account I have!!

 

Thanks

[Thailand]

Open a parachute account anyway... but I haven't heard of them doing this, in fact IMO the Halifax pay up quicker than most too..

[Mupster]

Thanks Thailand for such a swift response! I doubt I would be able to open an account anywhere else though, although I operate my account in credit my rating's not too hot due to past debts (oh, we don't need a solicitor said my ex - we'll sort it out ourselves - oh how gullible can a girl be?!!)

Guess I'll just keep my fingers crossed they don't fall out with me.

[Thailand]

LOL!, I could go into great detail how easy it can be to open a basic PA - with tremendous ease, but you probably won't need it with the Halifax. Still, it wouldn't do any harm??

[Mupster]

Oooh, tell me more!! It would be just my luck to not have a parachute when I needed one lol.

[Thailand]

Well OK, I could be wrong here, but for once I doubt it.

 

I'm running on the assumption of a BASIC BANK account here and nothing else.

 

I.e no Cheque book, no Electron/Solo and in some cases no means of DD/SO's,

but that depends on which basic acount you go for. The Co-op cashminder comes with all this minus the cheque book for example (see Moneysupermarket.com or MSE for examples) Whilst my HSBC basic only comes with DD/SO ability, and others are in between.

 

I applied to many banks over the net and by phone and got a firm 'NO'.(with the execption of Natwest STEP who initially agreed and later retracted) I actually feel if I had gone into branch with ID, I might have got it.

 

When I inquired 'but this is only a basic account - I can only be refused for this account if I am declared bankrupt' I was told to apply at branch as they can 'overide the system there' If you have the two forms of ID I don't see it as being a problem - mine was opened instantly, to my shock.

 

I would have gone for the cashminder but there nearest branch is 14 miles away.

 

Point being, if you want to open a basic bank account as a PA it can do no harm, you may be left with a savings account that you never use - but you can close it! If it came to the worse it would be there for you,

 

Thailand

[tara676]

i have just opened a natwest step account too as my parachute and also because they have dd and a solo debit card

[Mupster]

No statements yet - rang online helpline and they are re-ordering them today AND they very kindly offered to refund the £5 charge.

 

Lets hope they're as kind when it comes to refunding charges from the last 3 years!

[Mupster]

At the risk of talking to myself I checked my Halifax account online and guess what - they have TAKEN another £5 charge today for re-ordering the copy statements!!

I phoned them again and was told they would refund me but nothing yet - will check again tomorrow. Thought it was too good to be true

[Thailand]

All the more reason to submit an SAR, you know it makes sense:)

[Mupster]

You are right Thailand - thanks for helping me out (again!!)

[tara676]

halifax took 42 days with my SAR so keep om at them

[Mupster]

Hi tara,

 

Thanks, I will.

 

With ref to the NatWest step account - I'm claiming from them as well so I doubt they'd be too keen to sign me up for another account:p (Mupster v NatWest).

[tara676]

well you could be cheeky and try lmao!

[tara676]

any luck yet?

[Mupster]

No statements yet - yes, I know, I know....I should have sent a SAR but I trusted them to send them, especially as when I called to check the nice lady put through a 2nd request for me whilst I was actually on the phone :o. SAR will be going 1st class tomorrow as my patience is wearing very THIN !

[tara676]

Some of the other threads they rang up and spoke to someone 'higher up' maybe thast worth a try, but still get your SAR done

[Mupster]

Well I just called the Halifax and the statements were sent out to me last Wednesday - the 22nd. Not had the post today yet so if they're not there I'll decide whether to ring them again or do an SAR. At least they HAVE sent them (without the SAR)....my reluctance with the SAR by the way is I don't want to wait another 40 days!!!!!!!!!!!!!!!! Fingers crossed they come today - might not have had the right postage on or something? A girl can but hope!!

[Mupster]

Ooooh! Statements have just arrived - in 15 envelopes!!!!!! (Haven't they heard of A4??)

 

Now, where's that calculator??