jaxads v Halifax!!

[sallysas]

It was worth a try though. I would also have called. Perhaps you should add this into prelim saying something like how disappointed you are they want to dance to the same tune again (particularly as you are now a hardened veteran, hee, hee). Sally

[jaxads]

Hi Sallysas -- yes, it looks like this hardened veteran will be fox-trotting again with old Howard!!!!! I hope he can keep up

[kat81]

Hi, I've been reading your thread and your mission to reclaim your charges from the Halifax, congratulations on getting your money back off them!

 

I'm mid way through trying to do this and would really appreciate your thoughts. It got off to a shakey start but I've now I've finally had my statements and sent off my first letter (the LBA I think!) I've got the same letter you initially got back something along the lines of 'we're sorry to hear about your complaint blah, blah, blah' then they go on about not having to do anything for 8 weeks but I might hear back from them in 4 if I'm lucky.

 

Would you wait for the 4 weeks or after the 14 day timescale that I originally gave them, then send out my second letter?

 

Any help you could give me would be great!!!

[nevos]

Kat81, do you have your own thread? Pre lim is first then LBA 14 days later!

[jaxads]

I have now sent another prelim to Halifax -- I didn't send the one in March, but have since had another couple of charges .

 

I amended the prelim to say that I had already been refunded, so we are both fully aware that they do admit to their charges being unlawful or they wouldn't have refunded me (well words to that effect). I've requested a direct payment to my account within 7 days (I'll send the lba after that time). Lets just see what happens!!!! I've also requested they do not close my account as this would be seen as taking "retaliatory action" against me, and that some financial organisations had been fined for such behaviour!

 

I await a response

[Dusary]

Have you opened a parachute account - just in case?

[jaxads]

Have received a standard "declining your complaint" letter this morning. They've obviously changed their stance since the beginning of the year!!!

 

Will send off the LBA tomorrow. How far are Halifax taking it now --- they settled in full with me the last time at the deadline of the LBA, but they'd not declined me, they'd already made an offer!!

 

Oh well, off we go again!!!

[emmaf01]

I've just prepared my prelim for the second batch of charges- mostly saying, thanks for paying up, I've found another four charges not included in my court claim, so pay up, because you KNOW I'll take it all the way if you don't.

 

See if that works.

 

I'll be watching what your response is!

[raminco]

i am at the stage where i have filed my MCOL claim and sent the details of charges off to the court and now i am waiting for Halifax to lodge there defense. i am hoping to high heaven then dont so i win £4,500 by default. fingers x'd!

 

Well done on your previous win. youre a veteren now so you'll walk it

[emmaf01]

We all want them to give up and roll over- sometimes they do, sometimes they don't.

 

I hope you are one of the lucky ones!

[smurfatko]

Hello all ... apologies if this is in the wrong place, I'm a bit of a technophobe and can't figure out what's going on (Doh!)

 

Anyway, just to introduce myself to the site. My and 'Im Indoors only decided to do this a few hours ago after discovering we had been charged a £30 fee for a £1.20 card payment which took us over the O/D limit. I think it was payment for a butternut squash in tesco - a £31.20 butternut squash! I can't get my breath ... it's all out war. Our only reservation is that our lives are in the hands of Halifax - our mortgage, credit card, loan, bank accounts etc. What will become of us?!

 

p.s. please someone point me in the right direction if I'm in the wrong place

[emmaf01]

If you see in the main Halifax section, there is a new thread button at the top, so you can start your own thread for your specific claim.

 

That means you can ask everyone for help, and keep us updated on how you're doing.

 

It is advisable to start a parachute account- an account with a different bank, in case the Halifax get nasty. But if they have a chance to keep getting more money off you, they will keep your custom.

 

Plus, they haven't been closing accounts recently- and the FSA are frowning on them at the mo.

[jaxads]

I've faxed back an LBA, to the number on the original decline letter and I've proof that is has been sent OK. I've given them 7 days - they replied to my letter in 2 days, so that is sufficient I believe, given that they've already been through this with me once before!! Watch this space ........

[emmaf01]

I would also send them a hard copy of the letter by recorded mail. I've seen them deny getting letters before, but they can't argue with a signature from the Royal Mail.

 

IMHO

 

I've sent my prelim for the second batch of charges like this today.

[jaxads]

I've just rang the Halifax to check that they received my Fax OK - I had confirmation that it had gone through ok, but wanted to know that they had it - they have, it's on their system. Let's see if I get payment by Wednesday .....................

[**Tilly**]

fingers crossed for you:)

[jaxads]

Thanks tilly --

 

I'm not expecting the amount to be credited, but I gave them the 7 days that they give me when they take the charge out -- given that I faxed the letter it got straight through to them.

 

However, if the money's not there on Wednesday, I'll ring and say if they don't put it in I'll be taking them to court

 

They were quite good the first time I claimed, but it looks like they've changed their stance since then!!

 

Will keep the post updated and see what Wednesday brings

[**Tilly**]

go for it will be watching

[emmaf01]

I hope they decide to pay you very soon- hopefully that means they will pay me soon as well!

 

I'm just too selfish!

[jaxads]

Hi - i've just spoken to a really nice guy at Halifax Customer Complaints. He was really happy and polite and just sounded too nice to be working in such an environment!!!!

 

Anyway, he says that according to their timescales they have until 19 August to respond. I said that the LBA deadline had expired, but as I was going on holiday on Monday, I wouldn't be proceeding any further until I returned (31 July). He gave me his name and said if I'd not got a response by the time I returned, to give him a ring and he'd sort it for me.

 

Looks like I hopefully won't have to go through the court process -- fingers crossed x

[emmaf01]

They haven't even responded to my last letter, but I hope you have a better outcome!

 

Going anywhere nice?

[jaxads]

Have just got back from hols and have received a second letter from Halifax confirming they won't be refunding charges. However, the nice guy I spoke to before I went away told me to ring when I got back from my hols. I'll try ringing him later today, although I now think, the battons are down since the announcement of the OFT and the court case against the banks!!

 

Will report back later after the phone call!!!

[sallysas]

Did you speak to posh bloke then? Most of the courts are open for business as usual it appears if you feel the need.

[jaxads]

Hi sally -- with kids being off school and the mountains of washing from the hols -- I've not yet had the chance to ring the "good guy" yet, but will try later today -- being a friday afternoon might make him in an even better mood

 

However, after the phone call I may not still be calling him the "good guy" !!!!

[1rnold]

Hi All

I am trying hard to get my money back from Halifax but little reply to my thread. Just waiting for an outcome as they stated they intend to defend the claim so I am waiting to see what their defence is before i submit a bundle to the court as its all up in the air with the test case coming on the scene.

Good luck all

Reeta:-)