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Help with Halifax Claims


jilliang
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Hi I am new to this and I could do with some advice. I have read over the FAQ's so understand what I need to do, I just have a couple of queries.

 

1. I understand that the Halifax may close my account if i go ahead with the claim but will this black list me from opening accounts with other banks?

 

2. If I tell the bank I am going to take them to court when I don't get a response from them do I really have to follow through with it or can I back out after I have put that in writing?

 

3. I want to know what the worst case scenario would be - is it just the chance that my bank may close my account and I could be stuck with up to £250 court charges or is there more?

 

4. I have 2 seperate accounts with the halifax. Do i need to do 2 seperate claims?

 

Any help would be appreciated as I have been stumped big time this month and they have cancelled one of the charges as a gesture of good will - Like they are doing me a favour!!!!

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In answer to your questions

 

1. I understand that the Halifax may close my account if i go ahead with the claim but will this black list me from opening accounts with other banks?

 

Best to get another account opened fairly soon, I have opened at Natwest account which was easy to open

 

2. If I tell the bank I am going to take them to court when I don't get a response from them do I really have to follow through with it or can I back out after I have put that in writing?

 

No you don't have to follow through, I am sure banks just love people who do this though

 

3. I want to know what the worst case scenario would be - is it just the chance that my bank may close my account and I could be stuck with up to £250 court charges or is there more?

 

You stand to loose:- postage costs, court fees (these depend upon your claim, and the court allocation fee (if applicable) and they might close your account

 

4. I have 2 seperate accounts with the halifax. Do i need to do 2 seperate claims?

 

Yes two seperate claims

 

Any help would be appreciated as I have been stumped big time this month and they have cancelled one of the charges as a gesture of good will - Like they are doing me a favour!!!!

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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Hi Jiilang

 

You can do one claim. Are they both for bank charges or credit cards?

As long as the total charges is under £5000 you will be allocated the Small Claims court track. You won't be blacklisted as you have done nothing wrong. You won't lose your claim if you do things correctly. You will get your money back. The Halifax are not like Lloyds or Barclays, and do pay up eventually without the need to see them in court. You may have to file your claim though. All court fees are paid back to you when they settle.

It is advisable to open a parachute account with another bank if you feel they would be likely to cancel say your overdraft.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator

 

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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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