Wi11iams vs Halifax

[Wi11iams]

Hi all, great site, 1st time post. I typed up my 1st letter to get disclosure but when I took it in the cashier said I didnt need it, and did the request through her PC. Is this ok in relation to the claim? sorry for my ignorance but I'm just starting to get my head around the fact that they may owe me hundreds of pounds in unlawful charges. Thanks in advance for replys

[BankFodder]

Yes it's fine - but put your DPA request in anyway a you may need to know whether there has been any manual intervention involved in any of the charging decisions on your account.

[Wi11iams]

Thank You

[Wi11iams]

Hi, went into halifax to hand in my DP request, cashier told me no need to she will do it through her pc (no charge), have already been advised to send anyway, thanks for that.

 

The thing I didnt mention though is straight after she did it, she casualy asked me if I'd like a mortgage, I replied no I cant get a credit card let alone a mortgage, having applied countless times for one. To cut a long stort Ive now got a credit card from them with a £1500 credit limit.

 

Is it me or have they done that purley to try and increase my debt with them so when they threaten to close my account I'd have to pay up my balance straight away? And if so, is this a sign of weakness on their part? Thanks.

[Saner]

Dont use the card.

 

Thats the easist solution.

 

 

Keep the card by all means, but dont use it until after things are sorted.

 

that way I would imagine any chanrges would be minimar (I dont think they charge a yearly fee do they)

[Wi11iams]

no, no yearly fee, Im not going to activate the card until the claim is sorted, it just reeks of dodgyness because Im forever getting turned down for a CC from Halifax and everywhere else.

[Saner]

Join the club

 

 

it does seem dodgy, but I would image as long as you didnt sign anything waiving your rights to complain about charges, then as long as you dont use the card, if they do get nasty you can just rip it up.

 

I am no expert (only know whta I have read here) but thats the way I would deal with it.

 

If once the dust settled Halifax had not got nasty and closed accounts etc..., you may have your charges back and a credit card with a nice limit.

[Wi11iams]

Can someone please confirm that the 2nd amount to enter on the claim letter is the 8% as calculated on the spreadsheet? Thank in advance

[Bookworm]

Clarify, pls.

 

Claim letter to the bank or claim form to court?

[Wi11iams]

sorry, yes claim letter to bank, step after DPA request

[Wi11iams]

sorry for being a complete numpty but I'm still stuck, the actual text says £xxxx in overdraft charges but i didnt get an overdraft until a couple of years ago, so do I jsut go with the 8% figure from the spreadsheet or is it an unrelated figure and i need to calculate the overdraft charge? Any help gratefuly recieved.

[Bookworm]

What are you claiming for exactly? What type of charges?

 

Anyway, the 8% is only once you issue claim court.

 

The whole interest thing arises from the fact that when you get charged penalty charges, they accrue interest too, and you should be able to reclaim that interest. There's no spreadsheet for that, as each bank has different interest rates, sometimes 2 different ones for authorised and unauthorised borrowing, and you have to calculate which part is which. If it sounds complicated, it's because it is, and that's one calculation you will have to do yourself, I'm afraid!

[Wi11iams]

Thanks for the explination I now understand. They are a mixture of unauthorised overdrafts and failed DD's, but I havent got any charges since getting the overdraft so I guess I just claim for the amount owing. Again thanks for the reply.

[Wi11iams]

Hi, Sent Prelim request 2 weeks ago, have been sent offer letter of lesser amount which i have declined, my question is would I need to send in the LBA letter and wait another 14 days as stated in previous letter or could I just go ahead with the court claim? Would this mess up my claim by bringing forward the court proceedings? Thanks in advance.

[colour-me-happy]

I would stick to your initial timetable, if/when it gets to court it shows you have been more than reasonable.

[Wi11iams]

Thanks for the advice

[Wi11iams]

YESSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS :D:D

 

Went to Court and filled a claim last week, recieved notification from Courts Friday............... Paid in full Teusday, £860 + court costs, payment into my account marked as cash payment. I was ill yesterday so never checked my balance so feeling a little better I checked my acc online just and there it was, feeling much better for some reason now :D:D

 

Thank You very much all that helped and of course thanks to the site guys, thank you on its way shortly!!!

 

GEEEEEEEEEETTTTTTTTTTTTTT INNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN

[Wi11iams]

This topic was closed on 03/06/19.

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