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Halifax Packaged Account Claim***Successful***


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Hi all again,

 

I'm currently trying to put a bank charge claim for my friend,

I've stop because I need to find out if he can claim hardship.

 

When looking at his statements, I found he has paid a lot for his Halifax account. I asked him why does he pay?

 

He said he was told he had to get the "Ultimate Reward Monthly Account" to get an overdraft.

I've found online that this is textbook miss-selling,

he also doesn't use and has never needed any of the insurances with the account.

 

I'd like some advice on if I'm going the right way on this.

 

I've drafted the moneysavingexpert letter for claiming back the charges and worked out the 8% simple interest.

Not sure if you can claim the 8%, but i found a few sites saying you can.

 

I'm sure my letter needs a bit of work, I'll upload it with the spreadsheet.

 

 

My Letter:

 

Account Name: Ultimate Reward Monthly

 

Account No: 0000000

 

Dear Sir/Madam

 

I have had the above account since 07/10/2009 but believe it was mis-sold to me on the basis that, I was told at the time I had to get the account in order to take out an overdraft.

 

I calculate that you have taken £704.74 in fees, in addition to which I also claim 8% simple interest of £169.47 which totals £874.21. I am enclosing a copy of the schedule offees which I am claiming.

 

I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service.

 

Yours Sincerely

 

Friends Signed

 

Friends Name Printed

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Could anyone tell me if this letter would be ok to send?

 

I've seen people getting there claims a lot sooner then the 8 week time scale I'm giving the bank in my letter. Should I rewrite the letter?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Hi,

 

Letter looks ok to me, you can only send it and see what they say.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Is there anyway to go down the court for packaged account? My friend is going to lose his job soon and would need the money in at least two months. He can't really afford to be told no and take it up with the FOS who could take months to even look at it.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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  • 1 month later...

Just to update

 

I sent the above letter and he got the money paid in two days.

 

I asked for £704.74 in fees and 8% simple interest of £173.03. I also gave them 8 weeks to resolve my complaint. They sent £781.12 in fees and £153.13 in interest.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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That's great news Andrew, well done.

Your friend will be pleased.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thread title amended to reflect the outcome.

 

Well done Andrew.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Well done :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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