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Salisburyowl V Halifax ***WON***


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Hi Everyone

 

I'm itching to get started on my claim against the Halifax. I've printed off my SAR ready to send off, however before I do I need to check 2 things.

 

a) Will they close my account ( I have a parachute account set up in readiness)?

 

b) Will they withdraw my overdraft? I can't afford to clear it in one go. Would I be able to pay it off in chunks?

 

Should I send my SAR off and see what happens, can anyone advise.

 

Thanks in anticipation

 

Salisburyowl

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Hi Everyone

 

I'm itching to get started on my claim against the Halifax. I've printed off my S.A.R - (Subject Access Request) ready to send off, however before I do I need to check 2 things.

 

a) Will they close my account ( I have a parachute account set up in readiness)?

I claimed on two accounts with the Halifax - one had been closed about 3 years ago (I closed it) and the other remained open. They did not close that remaining account and in fact sent me out a new card etc... but you do have a parachute account should anything happen.

 

b) Will they withdraw my overdraft? I can't afford to clear it in one go. Would I be able to pay it off in chunks?

I had an overdraft with another bank that I claimed off and they did not withdraw that facility. This however is a difficult question to answer some do some don't.

 

Should I send my SAR off and see what happens, can anyone advise.

 

YES

 

Thanks in anticipation

 

Salisburyowl

 

First of all welcome and in answer to the above I have put my responses in red. Send off your SAR they have 40 days to comply from they date they received it (allow 2 days from date of posting). Send all correspondence recorded delivery that way you always have proof of sending and receiving. Then sit back and read The FAQ's plus similar threads on the Halifax site.

Good luck and if you need anything further you know where we are!

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

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

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Hi Boo

 

Many thanks for quick response and support. I will send off the SAR in the morning - recorded delivery of course. I have been reading lots of other threads so I have a fair idea of the process. I know there is probably some information on the site already but does anyone know how much I would have to pay to file a claim at court (assuming it's under £5000). The pennies are a bit tight and I may have to borrow it if it's a lot. ;)

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Hi Boo

 

Many thanks for quick response and support. I will send off the S.A.R - (Subject Access Request) in the morning - recorded delivery of course. I have been reading lots of other threads so I have a fair idea of the process. I know there is probably some information on the site already but does anyone know how much I would have to pay to file a claim at court (assuming it's under £5000). The pennies are a bit tight and I may have to borrow it if it's a lot. ;)

 

Depends on how much you are claiming. If you go on the MCOL site - link in the library, they tell you how much per claim etc.

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

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

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 3 weeks later...

Keep us updated on your progress. :D

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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it is really unusual for them to do this. I have an overdraft and cheque account and i recieved my new card today, so as far as i know they are fine.

I wouldnt fret over that yet.

Any time you need just shout...:D

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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Im still on going with mine. Hopefully i will see an end to it soon..;)

And i have 4 other claims going on for my neice and nephew. I must be mad :eek:

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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Re the overdraft thing, I'm kinda hoping they DO take mine away so I can start from zero again. It would suck having that £750 basically wiped off my total that I'm reclaiming, but at least it would be out of the way.

 

Then its on to Egg, Halifax CC, Barclaycard, GE Capital....! Man, I've sucked with money for way too long :(

 

Good luck, Owl!

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I think either way Phil you win, if you pay it off with your money or they take it off your claim. It would just be nice not to have an overdraft..just like it would be nice not to be charged silly amounts of money for a simple service.

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  • 3 weeks later...

They will prob take up to the 40 days. If you get them before it is a bonus.

The waiting is the worst part.

 

The best thing to do is to read up on the next bit and have a play around with the spread sheets so you will be ready when you finally get them.

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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Well Hooray Statements received today in rather dishevelled and ripped envelopes. Time to get the ruler and highlighter out and look for those 'charges as notified' I think I'll use the simple excel spreadsheet as I'm not very spreadsheet literate.

 

 

So........onto the next stage..let the fun begin :-D

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Well got the 'Completion of Request For a List of Transactions and Charges' letter today....standard letter thanking us for our request blah blah.

 

Prelim letter to be sent recorded delivery on monday together with spreadsheet of charges .....£2000 quids worth...wow amazing how it mounts up eh.

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Makes you realise why you never have any money..!

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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