Heatengine v Halifax

[heatengine]

Hello to everybody, just wanted to say thanks for the running of this superb site, it is good to be able to fight back.

To keep you updated I've only just started out and had the bank statements back. I'm doing this on behalf of my wife. just totalled it up and comes to over £2500!

So I'm now onto the next stage with Halifax, so far they have sent everything back on time as requested although they didn't total up the charges and said they were not required to carry out this "manual intervention"

I'm quite prepared for court if it go's that far. Any comments/help welcome. So far so good:)

[zootscoot]

Hi Heatengine,

 

Welcome to the site!

 

Not to worry about the manual intervention that simply means they have no evience to back up any arguments regarding actual costs. The Haifax are one of the easier banks to deal with. Start a thread in the Halifax forum where you will get lots of help and support from other Halifax claimers.

 

Best of luck

 

Zoot

[jaxads]

Hi Heatengine -- First of all - welcome and good luck. I too am claiming against halifax for £2281. I sent my first letter requesting a refund on 2 December. I received an offer of £1445, to which I sent off a partial acceptance combined with LBA. As the deadline for responding to the LBA was today and I'd not heard anything further, I telephoned them - they are going to send me a new letter, offering the full amount!!!! Have a look on my thread for the timescales - I think mine has been really quick . Good luck with your claim. This is a brilliant site and you'll get lots of help, support and encouragement.

[heatengine]

Thanks for the feedback, just read your links jaxads - that is spot on and a good morale booster. It is daunting taking on such a big organisation congratulations! Just got a quick question if anybody knows.. I've totted up everything and am in process of putting together my 1st letter detailing costs and have found the link to vampiress's spreadsheet which gives options of adding everything up with or without interest. What is the best solution?? I've read a few links saying to add interest only when going as far as court. But a few links say to add interest at my stage??? any advice???

[Bigmac versus]

HI there you can claim for judicial interest at court stage (8%) which you dont put in your prelim letter or your lba, or if you like you can claim for contractual interest as some have done, for this you would need to read up a bit more so you know what you are getting into, if this is the route to take then you need to mention it in both prelim and lba as either authorised borrowing rate or authorised borrowing rate, hope this helps.

[welshwarrior]

Hi All,

been a member of this wonderfull site for sometime now and due to finacial thingys only just filed my claim online against the HALIFAX for 1600 and odd quid. Thanks to everyone for all your help.........you know who you are

Just like to say that as soon as they settle I will be contributing to this site!!!!!!!!!

TATA for now folks

[MARTIN3030]

Hi your posts moved here into Halifax bank group.

I have sorted you a thread title too.

[heatengine]

Thanks George for the advice... Don't s'pose you know if I add up the interest they charge me aswell for being in an unauthorised overdraft area??

 

Or am I just looking too deep! Do I just keep it simple and stick to reclaiming the bank charges!

[heatengine]

just had a quick look at martin lewis' website and he seems to advocate adding the 8% interest on at the initial letter stage as a nothing ventured nothing gained route. ?? Think I may try this... Too tired tonight but prob add it up in n ext few days

[heatengine]

Thanks for all the feedback, decided to just claim the charges with no interest yet unless it gets to court stage.. Just put it all onto a spreadsheet and done the letter so I'll get that sent off tommorrow - sooo satisfying to be able to fight back!