dynamicdebz v Halifax

[dynamicdebz]

I visited this site about 6 months ago & was going to go ahead with trying to get all my charges back but then forgot all about it. That was until the other day when I found I had been charged £39 because my DD of £10 wasn't available (an oversight due to Xmas).

This has now made me overdrawn by £6, so expecting even more charges.

So I have printed the letter from the template & going to take it to my branch om Friday with £10.

So lets see what happens next.

My fella has no faith & sees things black & white only, no shades of grey, he can't see how it is possible to reclaim the money back (it is a shared account). He says banks are big companies who must know the law & wouldn't charge what they charge if it wasn't legal. I just have to show him because I have said as he has no faith, if & when we get the big cheque, it is all mine to spend because he is so convinced we won't get a penny.

[Bigmac versus]

Very true i would agree with that one, he will be wrong off course.

I would suggest to send to head office though by recorded delivery as you can then get it dealt with directly.

[Rooster-UK]

Hi Dynamicdebz.

 

He says banks are big companies who must know the law & wouldn't charge what they charge if it wasn't legal.

It's precisely because people think this way that they have got away with it for so long.

 

Just follow, faithfully, the well-tried and tested procedures that we recommend and you WILL get all your charges back.

 

Good luck.

Regards, Rooster.

[dynamicdebz]

Went to bank today but it is only an agent.

Firstly they adviced me to take it to one of the main branches.

They then phoned HQ & said they could send it internally & would only cost me £5 (is £5 normal). I refused as she wouldn't give me a reciept for the letter or £5.

I feel more confident after she said " we've been told to ask everyone requesting this to go to the main branches"!

[hillards]

If you are presenting documents that are part of legal proceedings, which they are, then they should be posted to the head office of HBOS in Halifax. That's their address for service of documents.

 

If you drop them into a full branch then they should give a receipt for the payment, and for a sealed envelope (they don't need to know what's inside). A Halifax agent isn't authorised to accept such things, although they could forward on via internal mail as you've said. I can't understand why they wouldn't give a receipt though, at least for the payment.

 

If you follow the FAQ's and Step-by-step guide, you'll see that it's advised to post the paperwork so it gets to the right people.

[dynamicdebz]

Can you believe it only just sent off the 1st letter to get my bank charges back. Sent S A R yesterday by recorded delivery. So they have got while 21/3/07 to get back to me.

[lmb]

Hi Dynamicdebz my husband said the same when I started this process.Four months on and come monday{hopefully! } we wll get our charges back all £2865.55 of them!Yes it's taken 4 months and yes it's been stressfull at times.But I know when I see our money back in our account it will all have been worth it!So goodluck,stay strong and whenever you need support just come here theres thousands of cag users always here to offer help if needed and support.

[dynamicdebz]

Is there anyone else out there that is at the same stage as me.

I sent my SAR off on Friday by recorded delivery. It would be nice to urge each other on.

I have read a few peoples stories on here & it appears that it is an average of 2 months from step 1 to full settlement, fingers crossed that mine is the same.

So it implies that although we give the banks 40 days to get our statements back to us, they don't usually take this long.

How long do they usually take to get back to you with the charges?

 

I keep checking whether they have recieved the recorded delivery, it will probably be tomorrow.

[superowls]

dynam i sent my SAR off just after christmas. Received statements on saturday. Will be sending my Prelim tomorrow (tuesday)

[LittleSib]

Hello dynamicdebz and everyone

 

I am in exactly the same position as you - just finalising my letter to the Halifax to try and reclaim my GBP2191 plus 250 quid interest. I'm so glad to know how you're all getting on, it is very encouraging. It took me so long to get my statements posted out that I forgot all about it. But now I've calculated the princely sum they owe me, it's war!!! I also opened another account just in case they shut mine down.

 

Take care.

 

Siobhan

[dynamicdebz]

Just checked online & Halifax recieved my SAR on 13/2/06.

Is it 40 days from then or from when I sent it on the 9/2/07?

[lmb]

Hi I did it from day they received it.So 40 days from 13th.

[KellyDJ]

Hi dynamicdebz

 

Halifax received my SAR on 12th of Feb!!!

 

However I sent a prelim letter last week for the years worth of statements I did have which amounted to £719.00. I will then add on the other charges once I get my statements.

 

I too had doubts about doing this but reading the posts on this site really encouraged me to fight back.

 

Good luck with your claim - although you don't really need luck!!

[dynamicdebz]

Still waiting for statements!

Have you recieved yours yet Kelly?

[KellyDJ]

Still waiting for statements!

Have you recieved yours yet Kelly?

 

No not yet. I can imagine that we'll get them bang on day 40

 

But I did get a letter on Saturday offering to refund my claim of £719 into my account within the next 14 days. When I receive my statements I'll be claiming the rest of my charges for the last 6 years.

 

Keep me updated!!!

[CJD]

Hi Dynamicdebz,

 

I'm on roughly the same timescale as you are

 

SAR sent 26/01/07, cheque cashed 02/02/07, follow up letter 23/02/07, tel call 27/02/07 and still no statements Assuming the SAR was received 2 days after posting, then my 40 days were up last friday 09/03/07.

 

I've also e-mailed them today so hopefully something will arrive shortly. If not, then there is a letter somewhere on her that you can send.

 

Good luck

[dpick]

Halifax delivered my statements on day 43, a total of 32 envelopes 156 pages. Now on prelim 14 day up Friday 16th just got letter will take up to 8 weeks to investigate your inquiry. Pity its not an inquiry it is a claim and to my timescale . If not payment in full offered then LBA goes out 4pm Friday for 1pm delivery Monday and another 14 days.

 

don't let them get away with anything they have not given you any leeway.

 

dpick:D

[KellyDJ]

Still waiting for statements!

Have you recieved yours yet Kelly?

 

received my statements this morning!!! Counted them and they're all there.

[dynamicdebz]

The 40th day will be up next Sunday, so if I haven't recieved anything by then what should I do next?

The only things I've recieved from Halifax are further bank charges.

 

I feel I must add that BT charged me a late payment charge on my phone bill, £25, when I spouted off about OFT ruling regarding unfair charges they tried to make me look a fool. They told me did I really think an organisation like BT would trade unfairly & leave themselves wide open after speaking with a manager & stating that well known banks were trading unfairly with the charges & that I was going through a process of claiming them back they agreed to give me back the £25 charge.

It never ceases to amaze me that when companies see you know what you're on about they back off.

[Advoc8]

If you don't get your data send one of these letters. Send it direct to head office.

 

Well done with BT:D

[CJD]

Bank statements have finally arrived :D

 

I've had a quick count up and looks like about £1,000 worth of charges

[Kelvid123]

Hi DynamicDebz, I am at the same position as you. I sent off my SAR on the 30/01/07 and on the 12/03/07 I received a letter stating my statements will be with me in 14 days. This takes me to 26/03/07 so watch this space. My friend did exactly the same as me on same day yet she received her statements approx 3 days ago. As my claim will be higher then hers they are obviously stalling me. Good luck with your claim and I'll keep you posted. I will be ringing the Halifax on the 26/03 if not received before.

[dynamicdebz]

Today, the 39th day I recieved a letter from Halifax headed Completion of Request for a List of Transactions & Charges - Account No. ******

Usual thankyou etc but they then go on to say duplicate statements will be sent in the next 21 working days & if I haven,t recieved them ring 01422 391152. Surely they can't expect me to wait a further 5 weeks when I have already given them 40 days?

They then go on to say they are not under any statutory obligation to record info about manual interventions, so will not be sending this info. Is this right? What actually is a manual intervention? If they are right is there another way I can get this info?

What should my next move be, I am loathed to send more recordered deliveries, having to wait for replies etc. Could I ring someone stating laws, telling them they are wrong or better do as I asked by Monday (the 40th day). By the time I send another recordered delivery they will have bided more time.

Please advice if possible!

[dynamicdebz]

Today the 40th day I have recieved all my bank statements but still unsure about the manual intervention thing?

About to put all charges on spread sheet to work out amount claiming for.

Watch this space!

[dynamicdebz]

I've done my homework & the charges add up to £1447.00, with the 8% interest they now owe me £1723.66. So now on to the next step, will keep posted.