eyeballto v Halifax ***SETTLED IN FULL***

[eyeballto]

theres a few different addresses in the contact sticky for the halifax. which one do i send my dpa letter to regarding my halifax credit card charges???

[jonni2bad]

You should be fine with

 

HBOS PLC

Trinity Road

Halifax

HX1 2RG

 

Sent my DPA to this one, and it has been acted upon....

[eyeballto]

You should be fine with

 

HBOS PLC

Trinity Road

Halifax

HX1 2RG

 

Sent my DPA to this one, and it has been acted upon....

 

thanks

[eyeballto]

just to check.... is claiming for charges on credit cards the same as reclaiming bank charges:confused:

[Bookworm]

yes.

[eyeballto]

i handed my dpa letter in today to the branch so 40 days and counting!!

[eyeballto]

having received my statements im confused at which point i claim interest?

 

do i claim the 8% interest in my preliminary approach letter or in the letter before action???

 

i had belived i calculate the interest using the spreadsheet and enter this figure in my prelim approach letter. however im sure i read somewhere that you do not ask for the interest until the letter before action

 

could someone please confirm please, thanks

[Guest Lueeze]

you cannot legally claim the 8% untill it goes to court, but the LBA includes a sentence that tells the banks you will be claiming this if they do not pay up!

 

Lou x

[jonni2bad]

Just a further explanation to anyone who might also read this thread and still be confused...

 

There is often a lot of confusion regarding interest - not least because there are effectively 3 types that are referred to....

 

1) You can claim for the interest that the bank applied to your account solely due to the charges, i.e. NOT for general interest which occured simply because you had gone overdrawn.

 

This, in my book anyway, is more complicated to work out because you should ideally know what APR they charged you for general overdraft rates and for 'over limit' rates - unless, of course, you are one of the 'lucky' ones whose statements break this figure down for you.

 

It can also be argued that by not claiming this (possibly much smaller) figure, that you are allowing the bank an amount you consider IS proportionate to the costs it incurred dealing with your failed Direct Debit / Cheque etc etc.

 

If you had to face the enemy in court, you would at least have an arguement to show you have allowed for actual cost. Remember though, you do not have to give them it.

 

The choice is yours........

 

2) If your case gets to the stage of court action, AND ONLY IF IT DOES, then you may claim 8% interest on each and every charge made - this is also from the DAY the charge occured.

 

Use the spreadsheet in FAQ section (or the new online calculator) which works this out for you - very simple indeed.

 

3) Additionally, we can finally complicate matters by sticking on interest on a daily basis from the time the court case is started until settlement.

 

There is also a calculation for this in FAQs.

 

If you don't understand these, it is VITAL that you spend more reading through the FAQ section. You are either about to, or have already started, a legal process to recover funds from a large financial institution - do not do so lightly - even if the evidence suggests that it is an easy process.

 

Good luck to you all...!!

[eyeballto]

thanks for the in depth explanation....however could you explain why in the bank templates section under the "priliminary approach for repayment" thread it says in the letter

 

"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"

 

 

if you are telling me you dont apply for the 8% interest until court action why is this bit about interest in the prelim approach letter...

[jonni2bad]

Because that part of the letter is referring to the overdraft interest which you can claim (point 1 above).

[eyeballto]

received letter from them saying that they would provide the infomation by 27th may

[sgt_bilko]

Good Luck Eyeball!

 

 

 

Keep us posted

 

 

Peace Man

[eyeballto]

today i received all my transactions for my closed bank account from 1993 to august 2004 which is good however...

 

when i handed in my dpa letter i asked for the last 6 years of transactions on my credit card. in the dpa letter i put my credit card number. the list of transactions i received for this card only goes back to january 2005. i phoned them up and after convincing the guy i had a credit card with them since 1997 he looked into it and discovered that in december 2004 my credit card was upgraded from a standard card to a classic card. this standard card had a different number and they wouldnt tell me what the number was for this card. he said though that maybe th infomation will turn up sometime.

 

so my question is.... because i only requested infomation for my current card should they give me all infomation held on me regardless if i only requested infomation for this current card??

 

hoping this makes sense:D

[colour-me-happy]

today i received all my transactions for my closed bank account from 1993 to august 2004 which is good however...

 

when i handed in my dpa letter i asked for the last 6 years of transactions on my credit card. in the dpa letter i put my credit card number. the list of transactions i received for this card only goes back to january 2005. i phoned them up and after convincing the guy i had a credit card with them since 1997 he looked into it and discovered that in december 2004 my credit card was upgraded from a standard card to a classic card. this standard card had a different number and they wouldnt tell me what the number was for this card. he said though that maybe th infomation will turn up sometime.

 

so my question is.... because i only requested infomation for my current card should they give me all infomation held on me regardless if i only requested infomation for this current card??

 

hoping this makes sense:D

 

If you have given specific account numbers then they will only supply that information, it is hard enough getting anything from them, for them to supply anything else would involve them actually thinking and doing something

[eyeballto]

so how do i go about geting infomation for my pre upgraded card which when they wont tell me the numbe????r

[colour-me-happy]

so how do i go about geting infomation for my pre upgraded card which when they wont tell me the numbe????r

 

You need to send the DPA but where you would put the account number, you need to give them as much info as possible - eg date of birth, address at the time you had the card, you could include a copy of your passport as supporting id, they then have no excuse not to supply the information.

[thewifeandI]

You need to send the DPA but where you would put the account number, you need to give them as much info as possible - eg date of birth, address at the time you had the card, you could include a copy of your passport as supporting id, they then have no excuse not to supply the information.

 

I think I would use the term 'Credit Card Account No. XXXX XXXX XXXX XXXX and all its predecessors' - it should cover the change of account numbers.

 

Cheers.

[eyeballto]

ive found the relevent cardnumber because in the infomation provided in the transactions on my closed current account it shows the number for the direct debit paid to the card...

[eyeballto]

this week..

 

spoke to halifax regarding missing statements...today i received some of the missing ones. i called back and asked why some were still missing. they called back within the hour to say that the remaining missing ones were when my card changed numbers.. they said the remaining missing ones would be sent out this afternoon and was also told they would credit my account with 50 quid because they made a mistake transfering balances 4 years ago!!!!!

[eyeballto]

my statements received so far, bar the missing ones go back to 1997.. can i claim back that far????

 

hmmm should have read faq answer is no lol

[eyeballto]

i first requested 6 years of info via the dpa route and they took 40 days exactly to provide me with all details..

 

i now have statements going back to 1997.

 

i need a figure for my prelim letter. do i go back 6 years from the date when i first asked for statements 40 days ago or go back 6 years from today when i write up my prelim letter

 

quick advice needed as want to finish it now

 

many thanks

[Bovvered]

from the day you claim I believe

[joneshousehold]

I used the date of the preliminary letter and counted back 6 years. I am not sure if this is correct but no-one has challenged me so far! In fact I think it is probably right.

[eyeballto]

things have now moved along and since handing in my prelom letter they offered me £100:evil:

 

so handed in my lba on 5th and onto the next stage