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JIMMY JOE vs Halifax (BOS) stage 1


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Been looking about the forum for a little while now bit confusing but think i have got the gist of it, sent my first letter to my local branch on 11/01 requesting my statements over the last six years for two accounts along with a cheque for £10. So i guess its just a case of being patient now given them the 40 days to respond. Will post again once they arrive and post on every stage of my claim let you know how how i get on and if i need any help and advice as im going all the way for a full refund on all charges on the 2 accounts.:)

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Yes all your can do now is sit and wait for your statements - but while you are waiting read as much as you can on here, the halifax threads will soon start to show a pattern. The more informed you are the more confident you will be and everyone is here to help you.

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Yes all your can do now is sit and wait for your statements - but while you are waiting read as much as you can on here, the halifax threads will soon start to show a pattern. The more informed you are the more confident you will be and everyone is here to help you.

 

 

Will doo :wink: cheers for that.

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Noticed the halifax have put in my account £10 cheque today, still no response from them so will sit tight till they get in touch.

 

11/01/07 - Data protection act 1988 - Subject Acess Request template sent to local branch first class recorded delivery along with £10 cheque.

 

23/01/07 - Bank put cheque into my account.

2/3/07 - Finaly recieved all bank statements.

12/3/07 Prelimary aproach letter sent.

22/3/07 - Reply from bos reading - Thank you for your recent complaint we are sorry to learn that you are unhappy with the charges debited to your bank account. Please note the complaint handling rules set by our regulater, the financial services authority, gives us 8 weeks to investagate and respond to complaints. Our commitment to youis that we will respond to your concerns at the earliest opportunity. However we want to ensure the issues you raised are thoroughly investagated. If, for any reason we are unable to respond fully to your concerns within the next four weeks we will write to update youof our progress. You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint. yours sincerly bla bla

 

02/04/07 LBA Sent first class recorded

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  • 4 weeks later...

Give them a ring and chase them up, it looks like you are getting quite close to the 40 days so let them know if you do not receive all your statements you will be contacting the information commissioner.

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Some useful links..

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Step by Step Guide

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793

Donation

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

A-Z Guide to stuff

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

How to Start a Thread

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Rejection of Settlement/Goodwill Gestures

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Contractual Spreadsheet

http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Preparing a Court Bundle

http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Moneyclaim Online

https://www.moneyclaim.gov.uk/csmco2/index.jsp

AQ Guide to Completion

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation

Court Fees

http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm

Data Prot Act Non Compliance

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

ERC Letter for Mortgages

http://www.consumeractiongroup.co.uk/forum/post-432747.html

Witness Statements for Court Bundle

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html

Banking Code website

http://www.bankingcode.org.uk/faq.htm

Limitations Act

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

fast track costs

http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519

Scottish Procedure

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

Scottish Forum

http://www.consumeractiongroup.co.uk/forum/scotland

  • Haha 1
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  • 2 weeks later...

Thanks for this posting, Josamolly. I have just joined CAG and am about to embark on the process with Bank of Scotland. Your links have answered the questions I was concerned about - especially the Scottish element to claims. I'll start my own little thread when SAR sent.

Kind Regards!

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Finally Recieved statements in full, been going through them £2500 with 3 years statements to go, just been reading the interest calculations sheets and other posts! on my statements from HBOS it just lists charges as notified on the sheets, What rate should i charge the interest on each individual charge is it 8%

 

Thanks in Advance :)

 

P.S Wheres my wee Northern soul badge dissapeared to need to keep the faith ;)

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u dont charge interest til u serve MCOL

 

Hi, on the prelim approach letter, it has overdraught interest, how do you work this out as my statements just read charges as notified? Anyone got the link for the spreadsheet to send of with the prelim approach letter.

 

Thanks in Advance ;)

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Most people do not bother claiming overdraft interest, so just take this bit of text out of the prelim letter. Go to the template library, then click on spreadsheets, all you need is there, try the England - Simple - Excel.

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  • 3 weeks later...

Just got letter back from bank, says i will have to wait upto eight weeks till they look at my case. Take it this is a new thing by the hbos? Also just read you can only claim £750 in scotland is there a way round this as im well skint and wanting the full whack?

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Hi JJ:)

The 8 weeks to look into it is normal-just carry on with your schedule sending LBA after 14 days.

Have a look at the Scotland forum,you can claim in England if you have an English address ,PO BOx for correspondence but you would have to be prepared to go there if it went to court.Because of multiple claims being thrown out at some Scottish courts then some advise claiming through FOS.

Hope this helps

change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Hi Change-it,

Thanks for your reply have posted the reply letter recieved from the bank at top of page, take it this is a standard letter then? Has the bank got a rite to hold out for the 8 weeks, Do i wait give them this time or just start proceedings now as there 14 days are up monday. Been reading a bit about small claims my claims for £2679 not including interest, want to take them to court for the full amount plus interest. I'm easy if this costs a few hundred quid, also easy about going to court will get it all back anyway. Just a bit confused about the process for a claim this amount. Any links on the procedure or help if anyone is reading would be appreciated. I'm choking to get a bit action going lol. Keep the faith people and keep on keeping on!!!!!

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Hi JJ

Normal letter that we all get.

Yes, keep to YOUR timescales(Monday) as they will try and fob you off time and time hoping youll give up..trying to go faster than the 14 days might mess your claim up so be patient.

Have a look at my thread.Halifax have foned me this morning offering full amount which was 6 years! (no interest cos I am 1 day off court action!!!)but this is what theyll do-keep you till the last minute.So 14 days after Monday you could be getting a phone call!Hope you do .Glad you're keepin on, cos its worthit!

just give us a shout if you need any help.

 

change-it

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Hiya JJ,

 

Yes the letter you recieved is a standard one. Just ignore it. Continue as you are doing. If monday is your 14 days, then continue to the next stage.

 

Here is the link to the scottish forum a you will prob get some answers there, as they are all in the same position as you...

 

http://www.consumeractiongroup.co.uk/forum/scotland/

 

Dont forget any money you pay out along the way.... SAR and court costs, you add it to your list at court and claim it back.

 

I thought this might interest you.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/73131-english-addresses-scottish-claimers.html?highlight=english+address

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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Hiya JJ,

 

Yes the letter you recieved is a standard one. Just ignore it. Continue as you are doing. If monday is your 14 days, then continue to the next stage.

 

Here is the link to the scottish forum a you will prob get some answers there, as they are all in the same position as you...

 

http://www.consumeractiongroup.co.uk/forum/scotland/

 

Dont forget any money you pay out along the way.... SAR and court costs, you add it to your list at court and claim it back.

 

I thought this might interest you.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/73131-english-addresses-scottish-claimers.html?highlight=english+address

 

Hiya seaside lady,

Good lass, very helpful link as of monday i will be an English resident with a nice English address. Better practice my accent .....The wowta in meeyoca downt taste like it owtaaa!!! lol.

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:lol::lol:

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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  • 2 weeks later...

Recieved Letter from bank today, saying they recieved my letter of complaint, and will be back in touch no later than the 16th of may. Thats the date there 14 days are up from the lba letter. Should i phone them up monday or just go straight on with he court process?

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Hi JJ

Do you mean 16 April LBA is up?

Just carry on with court when the 14 days are up.

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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