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Help please Halifax are ignoring me!!


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Your threads have been merged again, please stick to one thread per claim. Thank you.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Go to the general forum and read up the 'Step-by-Step Instructions'. We are both at the same stage. Getting interesting isn't it?

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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Hi

Received a letter from halifax customer relations saying they regret that they cannot comply with my request because the account was closed in november 2006 and has a debit balance outstanding of £5000:eek: :eek: :eek:

 

I called up this David Carr in customer relations and told him that he has no choice but to pay and i do not owe £5000 that is just something they constructed while altering my statements. He refused to do anything or confirm why my statements were like that and so i said well i will continue through the courts then.

 

Can anyone help please???? As far as i am aware they acknowledge my claim on 27th Feb so what shall i do now? Should i carry on???:Cry:

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Hi Naomi,

 

To be honest I am not sure of what you should do, my own thoughts are that they still should give you your charges back regardless of the (so-called) state of your account. If there is anyone out there that can help please do.. As I would have gone to court for this but I am not sure if it is the right thing to do either?

 

I will be keeping an eye on your thread Naomi.. Sorry I could not be more help :-(

 

AtMoSX

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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Do you have any more information on why you have a £5k debit balance? If they wont respond you need to put as much info on your next post as possible for people to be able to respond accurately - eg what was the balance on your statement when the account was closed, was there a reason for the closure, did they give you any more info on the £5k, how much are you claiming etc.

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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Do you have any more information on why you have a £5k debit balance? If they wont respond you need to put as much info on your next post as possible for people to be able to respond accurately - eg what was the balance on your statement when the account was closed, was there a reason for the closure, did they give you any more info on the £5k, how much are you claiming etc.

__________________

A chq was put into my account after we sold a car which was then returned after i had spent some of the money. So they said i owed the money back. They took all the money that i had in my account at the time and any money that went in after, and told me i was like £2000 overdrawn. I was finding out if there was anything i could do about this situation as i did not think it was fair.

 

Anyway before the account was officially closed in 2005 tey continued to add charges even though i was not using the account and investigating the chq issue so i was advised to ask them to close it which they did. By tis time i think the charges were up to £3000. The amount i was trying to claim is £1971.07 inc court interest.

 

I am in money problems at the moment which is why i would prefer if they gave me a chq and then investigate why the account is like that. If they can give me proper reason i will gladly arrange to pay of the money but for now i dont see why they shouldnt have to pay the money they stole from me.:mad:

 

The address on all my "duplicate statements" is also incorrect and nobody seems to be able to tell me why. There are also differences in some of the transactions.

 

Any thoughts?

 

???

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Hmmm, this is a toughi isn't it.

 

I can't understand why, if you officially closed your account in 2005 they have still been applying charges throughout 2006?

 

I agree that the charges made are unlawful and as such you should be able to claim them back. However, as they seem to think you owe them more than the claim i think they may have the right to deduct this amount from the total they say you owe them- but i'm not sure.

 

I just don't know unfortunately, perhaps someone higher up on the forum food chain will pitch in and help???

 

I'll keep having a look at other posts for any info that might help you.

 

keep posting so you get noticed.

Andy D.:D

 

Halifax: **Won**

HSBC: **Won**

Credit cards - NEXT

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Basically i dont think they have any idea anymore themselves. The account closed (according to them) when i started this claim:p :p How what a coincidence. I have no idea why they have done that, i think they were unsure about the status of the account when i asked for the statements in the very beginning so they seemed to have constructed whatever they feel like.

 

But the basic issue still stands that they owe the money, so if i am not incorrect i should continue through the courts? The halifax has not submitted their defence yet as far as i am aware, so if they forget to and i win by default do you think i will get a chq that way?

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This is a difficult one Naomi, there is a very good chance I think that you wont see any of the money you are claiming if the status of the account is as you say, they may just offset any money you claim against they balance owed. Also out of interest, what are you actually claiming?? Are you claiming they unauthorised OD interest as well as the Unauthorised OD charges??

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Could you not claim back the charges accured in your account after 2005? if they were charging you surely you can claim it back? Or have you already included that amount?

 

AtMoS XX

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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  • 2 weeks later...

Hi

I included the amount as they are the ones who have tried to rob me and i want it back. I received another letter from them saying: on a purely commercial basis, it will cost halifax money to defend my claim in terms of the legal costs(even if the bank wins) because my claim will probably be allocated to the small claims track, in which costs are not generally awarded. For this reason, but without admission of liability, halifax is willing to reimburse £904.00 in respect of bank charges incurred together with £122.12 respect of approx interest that halifax has calculated. Total of £1026.13 which they will credit to this so called debt.

As yet no one has told me why my statements where altered when i called the lady that wrote this letter she still didnt have anything to say. I am so mad that they think they can get away with this. My question though is since they have still not bothered to submit a defence at court or send this stupid letter to the courts, can i still go for judgment and demand a chq and say that anything else is a diffenrent matter and should be dealt with on a different case as there are obvious problems with my statements?? So should i still do judgment and ask for a chq for the full amount? Will i get it or should i just forget about it now? Please help!!!

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Guest Mumofthreeboys
please can anyone advise on what i should do. Am considering sending letter tomorrow to reject the money that they say they will put into account can i do this???

 

Have a look at this thread and send the corresponding letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

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