Moneyclaim

[gloscat]

Sent letter via email requesting details of charges and interventions on my 2 accounts and my husbands account, using the template.

I have received a response but only the details of my accounts not my husbands. My charges total £1020.00. Do i trust the list of charges sent or should i request full statements? Would like advice on what to do next.

 

Many thanks

 

Melissa

 

 

They have responded:

 

Thankyou for your recent telephone request for information on the bank accounts you hold with us.

 

In your letter you requested statements for the accounts you hold with us. Whilst i acknowledge it is your right to request this information. I would point out that there is normally a fee of £5.00 per account, per request. However i assume that you require a list of all charges that you have incurred, therefore i have enclosed this information for you free of charge. I trust this meets with your satisfaction.

 

I understand that you would also like to receive information about staff members who have had to manually intervene on you account. Please understand that we are under no statutory obligation to record the information you require and thus are unable to complaint with your request.

 

You recently received a copy of our leaflet explaining our complaints procedures. Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the financial ombudsman service for help. If i don't hear from you in the next eight weeks i will assume you are happy.

[rivendale0506]

I would imagine that Bankfodder/Dave might like a scan of this response from the bank. I am sure under the DPA they are obliged to record details of manual interventions if there are any... and if they are not obliged to record them how can they prove that they have to make them??!! Chicken and Egg situation? or another tactic by the bank to wriggle out of the argument that the charges take into account the manual interventions required by their staff.

[BankFodder]

They have responded:

 

Thankyou for your recent telephone request for information on the bank accounts you hold with us.

 

In your letter you requested statements for the accounts you hold with us. Whilst i acknowledge it is your right to request this information. I would point out that there is normally a fee of £5.00 per account, per request. However i assume that you require a list of all charges that you have incurred, therefore i have enclosed this information for you free of charge. I trust this meets with your satisfaction.

 

I understand that you would also like to receive information about staff members who have had to manually intervene on you account. Please understand that we are under no statutory obligation to record the information you require and thus are unable to complaint with your request.

 

You recently received a copy of our leaflet explaining our complaints procedures. Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the financial ombudsman service for help. If i don't hear from you in the next eight weeks i will assume you are happy.

 

yes, could we have a scan of this letter please. If they don't keep the information for you then they can't keep it for themselves which means they wouldn't be able to rely on it later.

 

Could you scan it to [email protected]

thanks

[Bookworm]

However i assume that you require a list of all charges that you have incurred,

 

The penny has dropped!

 

 

I understand that you would also like to receive information about staff members who have had to manually intervene on you account. Please understand that we are under no statutory obligation to record the information you require and thus are unable to complaint with your request.

 

In other words, they can't use the manual intervention angle to justify their charges. Cool.

Did they actually say "complaint" instead of "comply" or was that your typo?

 

If i don't hear from you in the next eight weeks i will assume you are happy.

 

What kind of a business letter is that? Do they have the work experience kids writing the letters now?

[gloscat]

Thanks for responding. Yes they did use 'complaint' which confused me i had to read it several times. It must be an error. I am not impressed with the letter as it is not professional at all. I have scanned the letter to Bankfodder as suggested and requested.

What do i do next? Do i write requesting a refund plus interest? I also need to ask again for the details of my husbands account. I requested this at the same time but it was not sent.

What do i do with regard to the manual interventions issue?

Many Thanks

[mas101]

Have a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2717

[mas101]

Do i write requesting a refund plus interest? I also need to ask again for the details of my husbands account. I requested this at the same time but it was not sent.

Many Thanks

 

 

You can only claim debit interest if the charges have directly resulted in overdraft interest being occured. This is something you unfortunately have to work out for yourself. You can claim 8% interest using the spreadsheet in the library if it gets as far as court.

 

WRT details of your husbands account, who requested the DPA? If it was yourself, and you dont have authority on the account you will need to re-submit a new request. If you do have authority or it was your husband that made the request, then write to them and tell them that the clock is still ticking.

[gloscat]

I have not received a reply to my preliminary request for repayment of charges totalling £1020.00. I telephoned the halifax customer relations today to establish if they had sent a response. I was told by them that they had in fact eight weeks to relpy. I stated it was 14 day as indicated my previous letter. I informed her that i was not prepared to debate this and that i would be moving to the next stage of reclaiming my money.

I have used the template 'letter before action' giving them 14 days to pay up, which i will post tommorow.

Just need reassurance i am following procedure.

I am going to look at preparing for court action now as it looks like it might be heading that way. I will not start action until the 14 days are up.

As my charges relate to unpaid direct debits and cheques can i claim interest? Or do i just claim the total for charges and court fees? Is it OK to use microsoft spreadsheet to calculate charges to present to the courts?

Sorry to be a pain but i want to be clear about it before starting action.

[Dowie]

I have not received a reply to my preliminary request for repayment of charges totalling £1020.00. I telephoned the halifax customer relations today to establish if they had sent a response. I was told by them that they had in fact eight weeks to relpy. I stated it was 14 day as indicated my previous letter. I informed her that i was not prepared to debate this and that i would be moving to the next stage of reclaiming my money.

I have used the template 'letter before action' giving them 14 days to pay up, which i will post tommorow.

Just need reassurance i am following procedure.

I am going to look at preparing for court action now as it looks like it might be heading that way. I will not start action until the 14 days are up.

As my charges relate to unpaid direct debits and cheques can i claim interest? Or do i just claim the total for charges and court fees? Is it OK to use microsoft spreadsheet to calculate charges to present to the courts?

Sorry to be a pain but i want to be clear about it before starting action.

 

Like many people have said on here, go by YOUR timetable! Don't let them put you off in any way.

 

Whilst you are waiting for the next 14 days to pass, have a good read through all the forums and posts, and I'm sure you'll be positive then of all the steps you need to take.

 

Good luck with it

[gloscat]

Was just looking at preparing for court. How do i calculate the interest? Do i take each charge at 8% each year since it was applied to my account? Or, do i just add 8% onto the total of all the charges?? I am confused and haven't a clue how to use the spreadsheet. Not used one for years. Are there any simple instructions anywhere?

[gloscat]

Just received a letter offering me £130.00 of the £1020.00, with the standard response. I'm not going to accept it. I have already sent the letter before action and think the letters crossed over. They sent there response the day of the deadline and i sent the letter before action the same time. Do i ignore there offer, not respond to this letter and wait to see the response to the LBA?

[cwk]

Most of the advice on the site seems to suggest to accept the offer but advise you will continue to pursue the outstanding amount

[jonni2bad]

You have nothing to worry about... The fact that they have not offered you the full amount means that a Court would not consider your actions to have been unreasonable.

[gloscat]

Sent LBA which is due to end 27th of April. I want to get ready for filing my claim as it looks like Halifax are not going to pay up. They offered me £130.00 of the £1020.00 charges.

Haven't a clue what i am doing and cannot seem to be able to open the spread sheets on this site. I have microsoft works spreadseet and not sure how to use it.

How do i get the thing to add up charges and calculate interest???

Do i calculate interest at 8% of the total charges or do i take each charge and calculate 8% per year from the date of the charge. Can i calculate it with calculator, pen and paper. If so would this be a headache and how do i do it?

[scotia]

i just submitted my claim yesterday, and the clerk at the court told me to put the claim as follows:

 

The pursuer claims from the Defender the sum of £xx.00 with interest on that sum at the rate of 8% annually from the date of service (together with the expenses of bringing the action)

 

She told me not to show calculations for the 8% as this is done by the court upon succesful claim......

 

My schedule of amounts just show the date, type of charge, and amount of charge....

 

If you read up there is an alternative to excel, which you can use for the spreadsheet

[gloscat]

Thanks, relief, thats really useful to know. Where can i find the alternative to excel?

Good luck with your claim.

[dave]

Here:

 

http://www.consumeractiongroup.co.uk/chargeinterest.php

 

or

 

Here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2004

[gloscat]

Thanks for your help.

[Spiceskull]

Sent LBA which is due to end 27th of April. I want to get ready for filing my claim as it looks like Halifax are not going to pay up. They offered me £130.00 of the £1020.00 charges.

Haven't a clue what i am doing and cannot seem to be able to open the spread sheets on this site. I have microsoft works spreadseet and not sure how to use it.

How do i get the thing to add up charges and calculate interest???

Do i calculate interest at 8% of the total charges or do i take each charge and calculate 8% per year from the date of the charge. Can i calculate it with calculator, pen and paper. If so would this be a headache and how do i do it?

If you want to PM me with an email address, I will email you a working version of the spreadsheet you can use in Open Office: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2004

[sachmo]

Oh my god Dave, that calculator is fandabeedozee. Thanks a million

[dave]

I need to work on a delete button for each entry yet though.

[Spiceskull]

I need to work on a delete button for each entry yet though.

When I looked just now there was already a delete button...

However, a 'Print' and/or 'Export To CSV/Text' button would be a great idea...

[dave]

Yes, it's there (I forgot to remove it), but it's not working quite right yet.

 

Export to CSV - yes, I will do that next.

[gloscat]

How do i fit everything in? Have looked at guidance notes but finding it impossible to list particulars of the case as well as list of charges, dates and interst etc. Can i assume the courts will calculate intersest as long as i state i am claiming it? Do i have to list the charges or can i state an amount. If i have to list charges then i think i'll have to use the PDF form and post it. There is no way it can be fitted in to that small area.

 

 

Merged threads, please keep to the same one.

[Bookworm]

The courts will most certainly NOT calculate the interest for you. You can put in a total amount if there's not enough room to list them all, yes.