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dynamicdebz v Halifax


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Make sure you double check them.

 

Its always nice when you find the extra few you skimmed over..:D

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:lol: :lol:

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Sent the letter asking them to refund my charges by recorded delivery on 26/3/07. I have just checked on the post office web site & they received the letter on 28/3/07. So they have while 11/4/07 to get back to me. I will keep you posted.

BTW: how do i change the name of this thread as I am further on than step 1 now?

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Thanks Barracad for changing thread name!

 

Today I have received what I presume is a bog standard letter from Halifax saying "sorry to learn we are unhappy" blah blah blah "Our commitment blah blah respond at earliest opportunity" blah blah blah "FSA gives them 8 weeks to respond to complaints"

Surely this isn't right I have given them 14 days which is up in about a week. Should I continue as normal, when the 14 days are up send a LBA or should I respond to the letter they have sent me?

 

Also could someone advice on changing bank accounts. So far we haven't gone down this route as due to our previous financial problems we may have difficulty opening an account. Are the Halifax likely to close our account? Any idea where we should be looking for a new account?

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Continue as you are doing, just ignore the letter. And send lba at the end of the 14 days.

 

They havnt closed many accounts, they tend to do this when multiple claims on the same account is made.

 

But some people do like to have a parachute account. Here is the list..

 

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

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  • 2 weeks later...

I have a slight problem!

I need to send LBA as the 14th day is up today but my printer has died on me, so I can't print off the LBA & have no-one I could email & have them print it off as I am incapacitated at the moment due to a non walking cast.

Do you think it would be so bad if it was hand written or would it be too unprofessional?

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  • 2 weeks later...

My LBA was sent by recordered delivery but has still not been recieved by the bank. I checked track & trace on Royal Mail site. I have to wait 15 working days to make a complaint so I have decided to send again by recordered delivery today, still hand written.

Today I have recieved a letter from the bank refering to the 8 weeks mentioned above. They are just saying they will have got back to me by May 29th, yeah Right!

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Hey i am hoping they give in at the 12th hour or maybe the 13th day!

What do you reckon?

 

Hi I went same route as you SAR, prelim then LBA they rang me on the next to last day before I would be starting court process, call started with offer that I said no to then they asked what will you settle for, payment in full 10 sec on hold they agreed gave them 14 days to pay cash in bank 13 days. By the way the refund is on my statement as "Cash" they wont even admit it as a refund on a bank statement.

 

keep going dpick:p

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  • 2 weeks later...

Hey salisburyowl are you a Sheffield Wednesday fan by any chance?

If so nice....

Wow well done dpick!

I expect a phone call from them tomorrow then, possibly Thursday.

Right off to look at holiday web sites in readiness off the money coming, it's so needed.

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£1448.70 to be exact, thats without the 8% thingy.

They have till Thursday then will do the claim online on Friday.

So what do you Jazz, is mine considered a small or large claim?

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Ok I am struggling now!

I was going to use the MCOL but it then asked for £120 & I think I may be elegible for an exemption.

Do I need to claim the exemption first before filling in an N1 & where would I find the form N1 baring in mind my printer is broken?

Will it be ok to send the Copy of my schedule handwritten?

I seem to have come to a standstill.

HELP.....

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your best bet would be to fill out the N1 take it to the court if you cant print out the exemption form they will give you one at the court just make sure you have proof with you in regards to the exemption, i took mine in the other day although i had printed off the exemption form, you hand the exemption form in at the same time as the N1 and you can get the n1 forms from the court aswell

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You can get all the forms you need at your local county court.

You dont need to fill in any exempt forms first. It all gets done together.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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I am waiting for the courts to send an N! form & exemption through, should be here tomorrow.

Today I have recieved a long letter that worries me, can soneone please advice?

Usual blah blah blah about why been charged etc, then it states " you refer to guidelines on credit card default charges issued by OFT & that the guidelines don't apply to bank account charges & that they can't comment on it in connectionwith my concerns"??? Again goes on about must pay coz of work they've done blah blah blah.

Then goes on about offering free banking & making sure you have suffiecient money in account. Really patronising!

Then states OUTCOME:

Declining my complaint & hope that they have explained why & to comply with legislation, if I remain unhappyI can go to the ombudsman.

 

Why are they implying I don't have a leg to stand on?

Have I made a mistake along the line, followed step by step on here?

I am getting very worried about this & wondering if I am out of my depth?

HELP....

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It is the new standard letter, just ignore it.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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OK but everywhere I've looked on net it implies the ruling from the OFT was for credit cards, I've never had one with them.

Most of my charges are for unpaid DD & standing orders.

Sorry to go on just needed it clarifying that I am doing the right thing!

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