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hangup with halifax * * WON * *


russel
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Hello everyone - new to the forum but have started the ball rolling to claim back the money that halifax owe me. They have been quicker in responding than i thought after reading some stories on this site but still only half way there!

 

Requested my bank statements on 1st November, sent my request for money letter on 6th November and have today received an offer of £1000 as a "gesture of goodwill" (thats how they see it). They have told me in this letter that they are not prepared to refund all the charges (has anyone else been told this?) on my account and reminded me that they have the right to close my accounts if i do not manage them correctly.

 

As this offer of 'good will' is only a third of what i am claiming, i have sent them a letter of rejection today - waiting in hope that they will refund the full amount - preferably before christmas!!

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Hello everyone - new to the forum but have started the ball rolling to claim back the money that halifax owe me. They have been quicker in responding than i thought after reading some stories on this site but still only half way there!

 

Requested my bank statements on 1st November, sent my request for money letter on 6th November and have today received an offer of £1000 as a "gesture of goodwill" (thats how they see it). They have told me in this letter that they are not prepared to refund all the charges (has anyone else been told this?) on my account and reminded me that they have the right to close my accounts if i do not manage them correctly.

 

As this offer of 'good will' is only a third of what i am claiming, i have sent them a letter of rejection today - waiting in hope that they will refund the full amount - preferably before christmas!!

 

Best of luck to you

Here is the link regarding banks retalitory action. It is for A&L but it should help.

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/10349-your-response-retaliatory-account.html

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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  • 4 weeks later...

It has took me some time to realise i should be posting in this forum as my claim is with the Halifax so i am here now and would like to share my journey

 

:!: Unsure and nervous

I telephoned for my statements and received them within 1 week - sent my first letter on 6th November. Got an offer of £1000 although i am claiming for £3346. Obviously i refused this offer despite them trying to tell me in the letters that it was my fault for managing my account in a bad way and trying to make me feel that they were doing me the favour of offering some of the money back (believed some of this at this stage)

 

:x Annoyed and determined

Sent a letter of rejection and did not her anything within the timescales so sent off my LBA on 29th November. In the meantime, received another letter off them offering exactly the same amount which stated "please let me have the signed acceptance form ONCE you are ready to accept our offer" - what a cheek!!! (realised that they are nothing but bullies) I phoned customer services to tell them i would be taking court action and they said they did not receive or could not find my LBA and could i send them another (yeah whatever!!!) I told them that i was not prepared to give them a furter 14 days and that i would be persuing my claim as stated in my last letter.

 

:confused: Confused & frustrated

Time to follow my word and persue a claim against them. Filling in my forms and calculating my interest proved a little confusing and time consuming but help, advice and guidance from this site has been invaluable and i would not have got this far without them. 14th Dec - took my papers to the county court and paid my fee of £120 - not nice at this time of year. The girl was nice who is dealing with it and said that she would like claim from her bank - offered her advice and gave her this sites address over the counter!!!

 

:cool: Confident and Ready for Action

Can't wait now until the bank get my papers - even if they defend it i feel confident and will go to court and put my case across without feeling ashamed of "how i have managed my account" - i will make them feel ashamed of how their high charges have caused me to struggle each month. (However, i do hope they will offer me my money back in full before Christmas!!!!)

 

:D Excited, hopeful and grateful

Excited about the postman coming and hopeful that i will get my money back - will keep you posted on this. If i do get my money back, i will definitely be donating to this site - i have been telling everyone about how good it is and how helpful people are - could not be more grateful

 

Hope to be concluding this journey before christmas!!!

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  • 4 weeks later...

Just checked my bank account and i can't believe the Halifax have settled my claim (so excited!!) - here's how

 

1/11/06 - requested statements via telephone and received them within days

 

6/11/06 - sent initial letter requesting £3419.34 for my bank charges over 6 years

 

21/11/06 - received letter offering £1000.00 as a gesture of goodwill

 

21/11/06 - sent letter of refusal

 

28/11/06 - sent LBA

 

14/12/06 - filed court claim and the Halifax had until 2nd Janurary 07 to reply but did not bother

 

02/01/07 - sent my judgement to the court from which they ordered Halifax to pay me outstanding amount including £120 court costs and 8% interest

 

11/01/07 - £3545.34 PAID IN FULL INTO MY ACCOUNT

SO 2 MONTHS AND 2 WEEKS FROM REQUESTING MY STATEMENTS, MY CLAIM HAS BEEN SETTLED AND I AM VERY HAPPY BUT I COULD NEVER HAVE DONE THIS WITHOUT THE HELP, GUIDANCE AND SUPPORT FROM THIS SITE. I WILL GO NOW AND LOOK AT HOW I CAN DONATE TO THIS WONDERFUL SITE AND THANK YOU TO EVERYONE WHO HAS HELPED ME ALONG THE WAY.

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OMG ! :D

 

Well done Russell !

 

Enjoy your cash and spread the word !

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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CONGRATULATIONS

 

 

I have joined all your threads :)

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Just posted my donation to show my appreciation for the help i have received but i have been reading that donations to the site are minimal in relation to the successful claims.

 

I would not have been able to reclaim my money if it were not for this site and neither would most of us so i urge people to donate so the site can carry on and help many more in the future.

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