Kenodoki Vs Halifax * * WON * *

[kenodoki]

Hi, I have only just heard about this, so its very new to me. I am about to send my DPA request but don't have a chequebook. I'm not a fan of Postal Orders. Can I just ask halifax to take the fee from my account?

 

Thanks in advance!

[laurawilliams]

hiya, yeah that's exactly what i did. i called halifax and requested the statements over the phone, then he infomed me it would cost £5 and he said this would be taken directly from my account

 

good luck with it all,

 

Laura

[toneighty170]

Hi

 

It didn't work for me but you could try it. Or alternatively email all the following to request them or ask them to send to you a list of charges incurred during a set period.

 

[email protected]

[email protected]

[email protected]

 

The customer relations sent me this list without me asking for it

 

Good luck

[kenodoki]

Thanks Laura. I've just rang them and they are sending me my last 6 years statements.

 

Watch this space...

[kenodoki]

I received my statements a couple of days ago. I have now worked out the charges. They were £584! And they kept going up! They started at about £28 and are now £39. So I have now prepared the Preliminary Approach For Repayment. I will be sending it in the morning. I just have a couple of questions.

 

1. Do I ask for all charges? Or do I take £12 off each one?

2. Do I ask for interest?

3. I am sending the letter to

Halifax plc

Customer Relations

PO Box 548

Leeds LS1 1WU

Is this correct?

 

Thanks in advance!

[kenodoki]

It's ok. I've just read the FAQ and from it it seems to say I ask for the full charges back but I don't put the interest on. I'm sending my letter to the Leeds address later this morning...

[kenodoki]

I've just recieved a letter from Halifax. Its the standard reply. Its from a Jane Preston.

 

It says thankyou for the letter on the 4th may. It then says sorry to learn about my concerns regarding charges on the account. Then it says they are keen to deal with it but will happen no later than 4 weeks. It then gives me a leaflet on how to handle my complaint.

 

They are so predictable. I guess I now wait until the 18th.

[kenodoki]

I've just recieved another letter from Halifax. Apparently they have tried to contact me to 'discuss' my complaint. They said that they incur costs whenever a direct debit or any item is returned unpaid and they are only passing the costs onto me (it costs them £39 to bounce a direct debit!!?!). It then says they clearly outline there charging policy and therefore the charges. But then they have offered to pay me £105 as a gesture of goodwill. They have given me an acceptance form to sign and send back! Cheeky!

 

I am not sure what to do. I am not going to accept the offer. But should I ring them or just sit tight an wait for the 14 days to pass?

[96lwilliamsd]

hi there

 

im in the same position i am still awaiting 6 years of statements. They sent me a standard letter like yours and offered good will guesture of £170 i think they sit there and make up a sum, anyway i would only accept the offer as a interim offer and that you will be still pursuing for the full refund. thats what im doing as my charges are for more than £1000. they wouldn't offer you that amount for nothing they know they are in the wrong stay strong you want FULL REFUND.

 

goodluck keep us posted

[Guest Lueeze]

Ignore it, or write back saying you accept it, but will persue the remainder in court!

 

They wil withdraw that offer.

 

Dont call them! Just file CC when the time comes!

 

Good Luck

 

Lou x

[kenodoki]

Thanks All! I have decided to ignore it and wait for 14 days to pass. It has now passed and I am sending them an LBA in the morning. Watch this space...

[kenodoki]

Hi again guys. The letters I have received so far have been from a Louise Curran. Shall I address the LBA to her personally?

[kenodoki]

Hi guys I think I've messd up somehow. I forgot to send the LBA by recorded delivery, will this mean that the bank will deny they received the letter? The 14 days run out tomorrow and I have received no letters from them. Do I send another one by recorded delivery giving them more time or shall I carry on as normal?

[Janet-M]

As long as you have a copy then it will be fine as a letter is deemed served 2 days after posting even if the reciever says they did not get it.

[barracad]

There is no need to send any of your letters by Recorded Delivery. The courts will just assume any letter you have posted have been delivered.

[barracad]

I think it is best to use a registered postal service so you have undeniable proof that they have received your letter. Just ensure all future correspondance is sent recorded.

 

There really is no need - The Civil Procedure Handbook states that if it was sent by Royal Mail, then it's as good as delivered - obviously the wording is slightly different

 

Having a copy of the letter should be considered proof that you have sent it.

 

Obviously if you want to send it Recorded for your own benefit then fair enough, but personally I wouldn't bother.

[kenodoki]

Thanks everyone! I was getting a tad worried there! Nearly there! I'll keep all posted...

[kenodoki]

I'm filling out my Money Claim form, I was just wondering which address I use as the defendants address. Their main address or the one I've been writing to?

[kenodoki]

Oh no! MoneyClaim doesn't accept my card! what shall I do? Will this affect anything since I am now filing late?

[kenodoki]

Sorry I haven't updated for so long. I've started my claim (on the 5th of july). i have not heard anything from Halifax at all. I used Moneyclaim in the end (using my girlfriend's card). I am claimng for £584 plus interest (which brings it to 681.67). I am also claiming back the £80 court fees. It says they have 28 days from the date the claim was issued to reply. Now to wait...

[kenodoki]

They have paid me back in FULL! I recieved a letter today saying that I will be paid £761 within the next few days! Woooooooo! They told me that since the case was going through small claims court it would cost them too much to defend it and they wouldn't be able to reclaim their costs if they won. So without accepting liabilty they will pay up (as a goodwill gesture apparently). Which I suppose ammounts to saying that they think they are still right but they will pay up.

 

Anyway, thanks to everyone at Consumer Action Group for your great support over the last few months.

 

Admin, can you add PAID IN FULL to my thread title? Thanks.

 

Also how do I donate to the site?

[kenodoki]

Anyone know how I change the title of my thread?

[Tinkerbelle]

Congratulations!

Don't forget to complete the Survey

[elizabeth1]

Ken - CONGRATULATIONS!!! So glad you won - this has inspired me to chase hubbys charges back!!

 

I am about to start this process on behalf of my husband - can you tell me which address you sent the £10 to requesting the statements please??

 

I have looked here and couldn't see where to send for this (OK - I am probably dumb and it's under my nose??)

[mje82]

Made up for you mate, Just sent my forms to the court so hopefully ill be in the same boat as you.