Offer of half

[dextallulah]

Had a whole bundle of statements from the halifax, however they dont list the reason for the charges, it just says 'charges as notified - £60' etc, are these the ones i have to calculate? I thought they were obliged to provide details of exactly what the charges relate to, under the data protection act? They have also said that they are not obliged to provide details of manual intervention. Are they just trying to be awkward or have i totally misunderstood the whole thing?

[c_allen]

just put charges as notified on the spreadsheet as thats all the info they provided

and yes they should provide all info they hold on you unless you only asked for info on charges, as for the manual intervention if you asked for the info on this and they haven't provided any don't worry as if they ever turn up at court( which they won't) they'd have problems submitting any evidence of this as they've failed to give it to you under the dpa you sent

[dextallulah]

I used the letter template from this site, that asks for full details i'm sure. i just dont want to be claiming for something thats lawful and therefore risking the whole claim. did you get that info from them or did they detail your charges?

[wsm36]

Charges As Notified usually means a returned direct debit, which was the case with me, as already mentioned just put that on your spreadsheet and good luck.

[dextallulah]

Is there a spreadsheet to work it out on this site? (had a search cant see one) or do i just add up all of these charges and send them the request letter, adding on the interest further in the proceedings? I have read the FAQ's etc i'm just double checking that i've understood correctly!

[mcv]

Hi There,

I am new to this too!!

And yesterday i received the same as you, statements that just say 'Charges as notified' and that they dont hold manual intervention details.

I dont think it just means returned direct debits as I am sure some of mine are interest too they range from £28.00 to £147.00.

In 6 months they have charged me £1226.00

Seeing as we are at the same stage maybe we can post each other every now and again and find out how we are getting on!!

Dont know about you but i find this very nerve wraking:-D

[wsm36]

Hi There,

I am new to this too!!

And yesterday i received the same as you, statements that just say 'Charges as notified' and that they dont hold manual intervention details.

I dont think it just means returned direct debits as I am sure some of mine are interest too they range from £28.00 to £147.00.

In 6 months they have charged me £1226.00

Seeing as we are at the same stage maybe we can post each other every now and again and find out how we are getting on!!

Dont know about you but i find this very nerve wraking:-D

 

When I said Charges As Notified meant ret. dds. I meant that was what it meant in my case and I have had charges that range from £35 to £117 but that usually meant 3 failed dds if you get what I mean. Of course it can be for failed SOs and returned cheques etc. All that aside, welcome and good luck to you.

[dextallulah]

Yeah mcv no prob, nerve wracking is the polite way of putting it, i just think i'm gonna be the first person that actually gets countersued for being so crap with money! This halifax one is actually my ex husbands account, i'm doing the legwork as a favour, so extra responsibility on my shoulders! cheers for the help everyone, here goes!

[Michael Browne]

Is there a spreadsheet to work it out on this site? (had a search cant see one) or do i just add up all of these charges and send them the request letter, adding on the interest further in the proceedings? I have read the FAQ's etc i'm just double checking that i've understood correctly!

 

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

 

2. 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before.moneyclaim

 

Both spreadsheets are here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

[dextallulah]

When trying to calculate charges for the past 6 years, i realised the cheeky little beggers have sent 6 years of statements alright, these are however the wrong 6!! they have sent statements from 97-2000 and 2003 to 2006! Has anybody else experienced these blatant delay tactics??

[sues35]

No and im suprised as normally they are very helpful at this stage in the matters.

Maybe its a genuine mistake (or maybe they getting onto the fact who knows) but write to them explaining the mistake and ask them to send the correct ones, they shouldnt charge for this mistake either

 

Good luck

[dextallulah]

yeah, got in touch and their sending the correct ones out. The 40 days still applies tho doesn't it? what do i do if it goes over the initial 40 days, report them?

[bongobaz]

yeah, got in touch and their sending the correct ones out. The 40 days still applies tho doesn't it? what do i do if it goes over the initial 40 days, report them?

 

send the non conformance letter from the templates

[sandygandham]

When i asked for my copy bank statements i received a letter saying that they were under no obligation to send my statements and were refusing my request.

 

Two days later I received every single statement (communication error perhaps)

 

I figured out the sum owed and requested it back in full, including interest. They responded saying that they were looking into the matter. Two weeks later they have written back to say they will have an answer for me by 4 September 2006. Should i write to say this is unacceptable or just let them deal with the matter at their own pace?

 

Are they trying to find a loophole that they can exploit so that they dont have to pay?

 

Thanlks

[bongobaz]

send your lba and stick to your time scales!

[sandygandham]

thanks for that!

[dextallulah]

Can anybody please give me a bit of help here!? Follow carefully! first of all i sent the SAR on the 11 of july, they sent the statements very promptly within 10 days, however, they had sent statements from 97-2000 and 2003 to the present day, omitting half of what had been requested i.e. 2000-2003. I informed them immediately, they apologised sincerely and promised to send them out straight away. They have now exceeded the initial 40 days by approximately a week. Do i send the faliure to comply letter now or do i allow this delay because of the mistake?

[zoltron]

I would be nice and allow a further 7 days, but I would make them aware of this and inform them that further non-compliance, will result in action being taken against them. However in the mean time I would check what statements you do have and start entering them into the speadsheet, just to give you a ball park figure of what you may be looking at.

[jonni2bad]

I would advise sending the letter from the templates library, giving 7 days to supply the missing info - send it to

HBOS PLC

Legal Services - Retail Division

Trinity Road

Halifax

West Yorkshire

HX1 2RG

 

Follow this up with a phone call (to legal services) a couple of days later to check they have it and are going to comply, otherwise you will be forced to start court action.

 

In the mean time, add up your charges, write the Prelim Letter and make you total a partial estimated one - the charges you know of plus the estimate from the missing years (based on an average 'per month' from what you know of). This means that your actual claim willnot be delayed. You can amend the total to give a correct figure either at the LBA stage, or court, as soon as they do supply.

 

OK?

[dextallulah]

Thats great cheers, will keep u posted

[dextallulah]

We have recieved a letter offering approx half the amount claimed, first of all what is the next step if you dont want to accept, is there a letter template? And what is the financial ombudsman?

[bearo]

Yes there is a letter of rejection in the templates section where all the letters are.

They are trying to fob you off with the financial ombudsman so don't worry too much. Keep to your timetables and your procedure.

[dextallulah]

How do you accept the payment of half but still continue the claim, it says quite clearly in the letter that this is a final payment

[livelylad]

dddddddddddddddddddddddddddddddddddddddddddddddddddddddd

 

??

[livelylad]

We have recieved a letter offering approx half the amount claimed, first of all what is the next step if you dont want to accept, is there a letter template? And what is the financial ombudsman?

 

 

Please stick to one thread for you claims. Thank you.