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Sapphire001 vs. Halifax round 2


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[Transferred from "Successful claims" thread]

I've already successfully won back over £800 of charges from Halifax. However, during the court action they added on another £28 (caused solely by me being overdrawn because of the charges) and there are two pending charges for end of Nov and Dec. There's also now a default on my credit rating that they applied after I submitted my MCOL. I sent my preliminary letter about all this and they've written back:

 

Dear blah blah,

 

"Unfortunately I am unable to refund the charges you referred to in your letter, as they were not due to a Halifax error.

 

I note that we have previously refunded charges on your account and you were notified at the time that future valid charges would stand and that it is your responsibility to manage your account. You were also notified that if you incurred any future charges the Halifax reserved the right to withdraw your banking facilities; full details are explained in the terms and conditions of the account.

 

The charges you have incurred are in line with the account terms and conditions, if you are dissatisfied with the terms and conditions of your account or our policy on charges then you may wish to close your account."

 

Grrr!! The extra charges were only put on because I was overdrawn because of their charges that they've now paid back!! And I realised that they've had more than their two weeks anyway, so the LBA went in the post on 23rd November.

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Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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No response to my LBA and their time is up now so I'll be submitting a claim roday.

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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  • 2 weeks later...

Well the claim was acknowledged on 12th Dec and i checked my Halifax account today to find that they'd deposited £90 (including £30 court costs) - so this one is settled and the money has been moved to my new current account.

 

Mind you, I had a letter while THIS action was going on saying that they will be deducting another £28 from my now empty account because one of these latest charges made me overdrawn - I'm going to wri8te asking them to cancel it and close the account but i have a feeling this isn't over yet .....

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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sounds typical of HX!!!!!

 

How's Capital 1 going?

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

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Yorkshire WON

Halifax Staff Visa WON

 

 

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Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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