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Thora takes on the Halifax


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Hi

 

I've had a history of appalling customer service with the Halifax & Bank of Scotland ranging from charges to be harrassed by their call centres. On at least four seperate occassions in the past 18 months I've had calls from their call centres only for them to say they didn't know why they called the account was in order. Then they raised my credit limit, twice, despite my telling them previously that I wanted it lowered. Then there was incorrect information on my credit file which when I wrote to them in January they said they would remove, they did not, I wrote again and they said they had definitely removed it and yet it is still on there.

 

I owe them £114 due to missed payments and they have called me 9-11 times a day - I said on the first call that I couldn't pay until I got paid a fortnight later and please don't call again - they called two hours later and have kept calling since. Twice now I've been woken up on Saturday and Sunday by them calling me. I've reported them to trading standards for this.

 

I've gone through my statements and found that they have charged me £200 in charges but I was missing a year's worth of statements - I rang them up 11 days ago and they said they would send me the statements in 7 days - unsurprisingly nothing's come yet.

 

I've drafted a SAR and spreadsheet and will change the figures once, or if, I get the final missing statements through.

 

This bank has made my life difficult and has been a nightmare to deal with from day one. They are inefficient and often just ignore letters, their call centre system is atrocious - I've had 13 calls one day from them the staff are often clueless or just rude.

 

Thora is not pleased!

 

Thora

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Once you have all of your statements together, you can complete your own customer satisfaction survey.... in the form of a preleminary request for payment of all charges deducted!

 

Best of luck.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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  • 2 weeks later...
20 days after being assured that the statements ordered would be with me in 6/7 working days and I'm still waiting. Why am I not shocked in any way at all?

 

it took me about 3 months and several phone calls to get the statements from halifax!!!

They offered me less than half of the £4000 that I wanted refunded. I sent a set letter stating that I wouldn't accept their offer. I have now had a letter from them saying that they do not agree with the 'legal analysis of default fees outlined in the OFT's statement published in April' so they feel that no refund is due to me. Looks like I am going to be taking them to court - and of course the 8% interest is now going to be added.

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it took me about 3 months and several phone calls to get the statements from halifax!!!

They offered me less than half of the £4000 that I wanted refunded. I sent a set letter stating that I wouldn't accept their offer. I have now had a letter from them saying that they do not agree with the 'legal analysis of default fees outlined in the OFT's statement published in April' so they feel that no refund is due to me. Looks like I am going to be taking them to court - and of course the 8% interest is now going to be added.

 

 

Funny you should mention that - I rang them up on Monday and asked them why they hadn't sent them and they put me on hold before coming back saying I would definitely get them "by Friday". Well in my book "by Friday" means they should have been in the post this morning or earlier - shockingly they aren't and Halifax have let me down again.

 

I'd give some leeway to other banks but not HBOS after the way they've treated me, they have to be the most incompetent "bank" going.

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