Paul vs Halifax

[happydj]

Hello everyone,

 

Well after months of being a member of this forum, reading through hundreds of posts and still been none the wiser, I have decided its about time to do something about it. I have had a bad year (splitting from my wife etc) and halifax hasn't been a priority. One thing I have realised is everyone on this forum deserves a drink or two for all the help they have given everyone. In my use of the internet - I have never seen a community come together to help eachother like I have seen here. So I feel happy about starting this process now to reclaim my money because if I get stuck or have a question - chances are 99.99% somebody would have been there and done it!

 

So without futher rubbish coming from me - I am going to get a postal order on thursday and on Friday 22nd December I will be sending away the letter asking for bank statements.

 

I will keep everyone informed (as I have the worse luck in the world ever so if someone like me reads this and think there to late or it wont work for them - hopefully it will make them realise if I can - you can!)

 

Well thats my little intro - bring on halifax! lol

[hillards]

Welcome Paul - and a few little tips to start you off.

 

First is to bookmark your own thread, so you can keep coming back to it - click on Favourites in your browser and add it in there. Do the same with other useful threads on the site too, makes life much easier than trying to remember where the important bits are, like the http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html,

FAQ's (http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/) and Templates (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/)

 

Best wishes in your claim.

[Suec99uk]

Good luck paul. I have just submitted my court claim. Fingers crossed for us both! Sue

[happydj]

Good luck paul. I have just submitted my court claim. Fingers crossed for us both! Sue

 

Thanks very much and I will keep my fingers crossed for you!

 

 

hillards: Thanks very much I have bookmarked everything you said. Thanks!

[happydj]

Well today is 15/02/07 and I received through the post this morning, 51 pages of bank statements.

 

I was actually quite excited to eventually get them and it starts to feel like this may actually happen. I have went through every page, and I have listed all my charges which appear as "charges as notified" on my statement.

 

The total cost of charges from the statement dates: 23/11/01 - 30/01/07 comes in at: £1609.00

 

I have done the spreadsheet and have the letter (not sure what the nick name for it on here is or whatever - this may be why i get confused sometimes - anyway, letter 2 (the one you send after getting your statements)) so I am going to post them off to the same address I used on my statement request letter - can someone please confirm if this is correct?

 

I am looking forward to posting these tomorrow recorded delivery.

 

Thanks again for everyone's help on here!

[Lon]

Hi Paul,

 

Yep, send it to the Trinity Road address. I sent mine on 01/02/07 and got a standard reply back from then on 12/02/07, their usual delay tactics. Their time is up and i'll be sending letter 3 tomorrow.

 

Stick to your guns, you've got nothing to lose.

 

Good luck

LON X

[docannie]

Hi happydj,

Stick with it!! My LBA expires on Friday so I'll be entering my claim to Court on Monday!!

Good Luck!!

[jaxads]

Hi happydj - good luck with the Halifax.

 

Have a read of my thread to see how I got on with them :D

 

 

Best wishes. jaxads

[happydj]

Hi happydj - good luck with the Halifax.

 

Have a read of my thread to see how I got on with them :D

 

 

Best wishes. jaxads

 

What's the link to your thread?

[happydj]

help!! advise needed!

 

I sent the 2nd letter on 16th Feb asking for my money and if not within 14 days the court thing, BUT heres the problem! I sent it 1st class recorded delivery, and guess what - the tracking number says it has still NOT been delivered OR attemped to be delivered. I phoned the woman, explained it was urgent and it was a letter giving by bank 14 days and she laughed and said "what do you want me to do about it sir!" I said it states that I am entitled to compensation - she laughed again and said yes but we need proof of what was in it - I said I told you, a letter - she laughed AGAIN and said well the maximum we pay out is £32 or whatever it was and I would be entitled to £3 and was advised to not spend it all at once.

 

At this minute im fuming, angry, upset, worried - why?

 

- There was no need to talk to me like that, I paid the money for recorded as it thought it was a dead-cert on it getting delivered

 

- I have to print another letter off but obviously need to change the dates to today

 

- I need to pay £5 or whatever it is to get it sent by Special delivery - since I don't trust recorded or normal post any more!

 

- Shortly, the banks wont need to pay out all of the money and i now need to give them another 14 days - so im getting closer!

 

I have a feeling that by the time this gets sorted out, I wont get all my money back (£1609) and will only be entitled to half. I am in massive amounts of debt and thats what this money was going to be used for. It just seems everytime I get closer, something happens and pushes me further away - yeah maybe it is only a lost letter - but this is my only chance of additional income to pay off debt.

 

So can anyone advise - SORRY for going on what seems something so pathetic - should i write them another letter? new dates? what if the bank DO get the letter after I post this one - I will look so much like i don't know what im doing!

 

Help anyone please!

[hagenuk]

You need to stop worrying right now.

 

As you have discovered the Track and Trace facility on the Royal Mail website is "experiencing delays" which may explain why you letter is not showing as delivered. This does not mean that it has not arrived.

 

Recorded Delivery is not a guaranteed service either, Recorded Delivery items can get lost and are treated as any other first or second class item.

 

You need only obtain "proof of posting" from the Post Office, this is provided free upon request when you post your items.

 

According to CPR 6.7 (1) a document is deemed served on the second day after it was posted via first class post. Proof of posting is sufficient for a court to determine it has been received.

 

Therefore, you may continue with your claim, safe in the knowledge that your letter has been recieved and in the event that is has not, a court will deem that it has been.

[happydj]

If i was a lass - then I would kiss you!

 

Since im not - i will do the manly thing, swear a bit, say cheers mate and offer to buy you a pint!

 

Thanks VERY much for that!

[jaxads]

Hi - sorry not sure how to do a link to my thread, but I got all of my money refunded after I telephoned them when they didn't respond to my LBA. The Halifax had already offered £1445 against what I was claiming of £2281.

 

When the time was up on the LBA, I didn't really want to go down the court route, so I phoned them and asked if they could up the offer as I had my court papers ready (I didn't!!).

 

The guy on the phone was very nice, but told me did I not realise it cost them money to run my account!!! I replied yes I did realise that, but surely the interest they had made from my charges would more than cover the true cost of running my account

 

He agreed to refund the £2281 there and then! All in all from requesting statements to receiving funds into the account about 6 weeks.

 

Am now going after Capital One!!!!

 

Best wishes.

 

jaxads xx

[happydj]

Just received the following from halifax - the royal mail tracking system isnt up to much as it says that it has not been delivered.

 

Here's the letter:

 

Our reference: [there number]

Roll number: [roll number]

 

Dear HappyDJ

 

thank you for your letter, which was recieved at this office on 19th February 2007.

 

we are sorry to learn that you are unhappy with the charges debited to your bank account [note... i thought it should have read FROM your bank account?] Please note the complaint handling rules set bu our regulator, the financial Services Authority, gives us 8 weeks to investigate and respond to complaints.

 

our commitment to you is that we will respond to your concerns at the earliest possible opportunity. However, we want to ensure the issues you raised are thoroughly investigated. If, for any reason, we are unable to respond fully to your concerns within the next 4 weeks we will write to update you of our progress.

 

You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

 

Your concerns will be dealt with as quickly as possible, but to help us deal more efficiently with your enquiry, please quite [ref number] when writing or telephoning the number at the top of this letter.

 

yours sincerely

 

Michelle Gardner

customer Relations Officer

Customer Relations

 

 

 

 

That s the letter I have got - can anyone advise me what to do next - the 14 days would have been up tomorrow!

 

Thanks

 

Paul

[hagenuk]

Once your deadline is up, issue a court claim.

You are the claimant and therefore you are in the driving seat.

 

They can witter on all they wish about the Ombudsman and the FSA but it makes no difference to the fact that you warned them that, if they did not return all the unlawful charges that they have debited, you would issue a claim in the county court.

 

Now do it.

[happydj]

Thanks very much I will issue the claim - weird Royal mail not showing up as it been delivered though isnt it!

[JSchoey]

I got that reply too. I wrote my first letter on 19 January and they didn't reply. They sent me that letter after me sending the second letter on 18 Feb. Shall I issue now or give them a bit longer? I'm confused.

[hagenuk]

If you have given them the 14 days recommended in the prelim and a further 14 days in the LBA then issue your claim - do not be put off by their waffle.

[Nuno21uk]

The same thing happened with my Royal mail recorded delivery as well mate.

 

So Halifax took 2 x £10 cheques from me

[happydj]

UPDATE:

 

Just got off the phone to Halifax to let them know the day is up tomorrow and i will be sending another letter tomorrow - informing them about court action.

 

He said Sure I understand mr x, to be honst with you, you won't hear anything back from that either because we are so behind in the work with everything thats gone on in the media about this - im thinking about leaving because its so stresfull in the office now

 

I was laughing my ass off! We had a right good chat and he TOLD me how Halifax will respond - simply, they wont - not in the time frame i have given them but im some cases they do want to sort it out - he says he is putting a note on the computer about they should offer me amount before court action - but we will see if anyone pays attention to this note or not

 

Either way, think that was the best conversation I have ever had with someone from Halifax!

 

Will keep you updated

[noodledoodle]

Well that has made my afternoon all the more bearable!!!

 

Good luck to you - think I will start compiling my N1 now - no point in holding my breath for any correspondence then.

 

Brilliant stuff!!

[livelylad]

Time to turn up the pressure then;)

[MARTIN3030]

Oh dear what stress.......no wonder sales of ginseng are up by 50%......

[AtMoSpHeRiC]

LMAO wow Happydj you did have a nice honest fellow,

 

I just got a lil monkey who relayed messages back from the organ grinder lol... He really didnt give 2 hoots about me going to court and in so many words he said neither did the legal team! He said if you want to file for court then file... I am calling a guy called Alan Molineux tomorrow.. thanks to doo for the name and number.. aparently he is a nice fellow and will try and settle for you there and then.. not saying it will happen but i would like to settle out of court.. so fingers crossed..

 

Keep us updated

 

AtMoSpHeRiC X

[TimsGirlfriend]

Good luck Happy!!

I rang after I sent them my LBA and Halifax did make me "a gesture of goodwill" but would not cover the full cost of my claim as according to them I am only owed back £449 and not £494. When they sent their letter yesterday saying I'd refused the offer they had made, apparently I had turned down £469! Strange they would offer more money than my claim was for, or so they said!

Needless to say my N1 was filed first thing on Monday morning!

And we trust these people with our money! LOL!