Jump to content


Playbhoy v Halifax


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6185 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had the same problem. It is worth phoning them back and getting an arrangement in place as they will normally cap your overdraft and let you pay it back over a few months, and it stops the phone calls.

12-03-07 Halifax Received £1800

05-06-07 Halifax II Small Claim Served for £2503

Capital One - Won £768

Halifax Credit Card - Won £756

Link to post
Share on other sites

  • Replies 62
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Regarding the interest on your charges.

 

When sending the request for a refund the 1st time we are advised not to include the 8% statutory interest.

 

So surely it is in our best interests that the bank is not very helpful and doesnt offer us a settlement straight away, thus going onto the LBA stage where we can add the interest?

 

But what if the bank phones you two days after the 1st request letter offering you a full refund of the charges? That means you are losing out on potentially hundreds of pounds. :confused:

Link to post
Share on other sites

You cant claim the 8% at LBA stage either - only when you actually go to court. You can however claim for the interest you have paid on the charges since they were taken from your account and some people are also charging contractual interest at Prelim and LBA stage. Take your time and research "contractual interest" fully if you want to try and claim it.

 

Good luck.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

only when you actually go to court.

 

As in file your claim with the court service ;-)

 

Y

 

Open Cases

Citi Credit Card.

Sansbury's Bank Credit Card.

 

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - Won!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :-)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :-)

 

 

Visit my forum: http://snowwatch.forumsplace.com

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

Link to post
Share on other sites

  • 4 weeks later...

Okay, I am at the stage where i need to send my LBA letter.

 

I was going to use the template provided but it requires me to fill in dates of the previous letters.

 

Unfortunately I have deleted the wrong letter and have only got exactly the same letter but with a different date dating back to January which I never got round to sending.

 

Do I have to be extremely accurate with the dates?

 

Thanks. :-)

Link to post
Share on other sites

Okay, I am at the stage where i need to send my LBA letter.

 

I was going to use the template provided but it requires me to fill in dates of the previous letters.

 

Unfortunately I have deleted the wrong letter and have only got exactly the same letter but with a different date dating back to January which I never got round to sending.

 

Do I have to be extremely accurate with the dates?

 

Thanks. :-)

 

ttt

Link to post
Share on other sites

  • 4 weeks later...

Hi guys I have got a new problem. Who says this is easy huh? lol.

 

My Dad said the letter arrived this morning basically saying that I am not entitled to any bank charges back whatsoever and if I have a problem then I have to contact the financial ombudsman.

 

Not good.

 

I have read the site and from what I can gather my next step would be to send the LBA.

 

Is that right?

 

Thanks. :)

Link to post
Share on other sites

Thanks tilly.

 

On all the templates though it requires me to fill in the dates of my previous letters.

 

I have lost them though and don't know when they were sent.

 

Is that important? Do I need to start from the beginning again?

Link to post
Share on other sites

My Dad said the letter arrived this morning basically saying that I am not entitled to any bank charges back whatsoever and if I have a problem then I have to contact the financial ombudsman.

 

Thats no problem. If you take it to the Ombudsman they will definitely get you charges + stat 8% interest. This will take about 4 weeks as you have a final response from Halifax.

 

I am surprised, as Halifax always seem to pay out after a few letters.

Link to post
Share on other sites

  • 2 weeks later...

Quick update.

 

Sent my LBA last wednesday so one week is almost up but no reply yet as expected.

 

Should I maybe give them a call just to make sure they got it?

 

I sent two copies, one to Trinity road and the other to the customer relations dept. so they would have no excuse if they say they don't have it.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...