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dpick V halifax****won****


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HI i AM A NEWBE TO FORUM.

 

Started on 17th Jan sending letter for statements received letter 31st Jan

saying statements authorized and would be sent within 10 days.

will post follow up.

 

Rang after 10th day nothing received.

got response we have till 28th Feb to send now 25th still nothing

 

will post on 28th

 

28/02/2007 No statements so sent letter of none conformance to DPA letter and court action will commence in 7 days if no satisfactory response

 

Also sent LBA1 claiming for last 2 years £1122.00 (I have been able to download last 2 years from internet banking) and informing them that I would be claiming the previous 4 years when they conformed to DPA letter

 

Rang Halifax number re statements now getting recorded message saying slight problem but statements will be sent within a week.

 

FUNNY I found the following on money expert.com website and I quote them

"In April, the Office of Fair Trading will give its opinion on the appropriate amount for bank charges. My guess is it'll be £12, though the banks predict higher and I think it should be lower. The banks will be under huge pressure to drop charges across the board, and will probably fall into line. This won't stop people reclaiming past charges, however banks may only offer the difference between £12 and the amount you were originally charged (e.g. £35 - £12 = £23). If you don't accept it, the risk they may defend in court for the first time, citing the OFT ruling, is a tiny bit higher. "

 

The message about the delay in issuing statements could be delaying tactics to allow the above defense to be used.

 

I am not sure about them defending as this would set a president and could open the floodgates to more claims.

 

Whats your opinion

will post next week.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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  • 2 weeks later...

02 March 2007

 

Marvelous what a threat of court action can do.

Went out 12 noon nothing from halifax

Got back 2pm had difficulty opening door.

32 flaming letters on floor containing 156 pages of statements.

 

Checked statements total charges now £2295

As above have sent claim for £1122 for first 2 years statements from internet. Do I send a second letter advising them claim now £2295 or wait till 14days up and send LBA2 letter with amended total

 

PLEASE ADVISE.

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Thanks Michael Browne

 

Checked with post office delivery made 01/03/2007 14days up 14/3/2007 will send amended LBA2 to include total claim and updated schedule of charges then unless by some chance they reply first, then its sorry this is new total etc.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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08/03/2007

 

Got normal form letter From hellifax saying FSA gives us 8 weeks to investigate and respond to complaints

 

Shame for them I don't have to wait 8 weeks, their 14 days are up 14/03/2007 then amended LBA to include charges from 2001 to Feb 2005 now they have finally sent statements after getting 7 day notice of court action due to none compliance to SAR.

 

I love last sentence of letter," copy of leaflet, which tells you how we will handle your complaint."

 

Do you think I should tell them they "DO IT MY WAY"

 

dpick:p

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

Hi am preparing LBA letter could you pass comment please

Letter is amended from template 3

 

 

Hellifax PLC

 

Trinity Road

 

HALIFAX

 

WEST YORKSHIRE

 

HX1 2RG

 

Mr. dpick

xxxxxxxxx

xxxxxxxxxx

xxxxxxxxxxxxxx

 

 

Date of letter

REF: DEFAULT CHARGES TO ACCOUNT NUMBER xxxxxxxx

 

Please note amended schedule of charges to reflect the additional charges from xx/xx/xxxx to xx/xx/xxxx added after your final compliance to my Subject access request dated xx/xx/xxxx.

 

I am again writing to further request a refund of charges which have been applied to my account, amounting to £xxxx.xx

 

This sum has been calculated from the data received from you. The amount taken in charges totals £xxxx.xx. I am therefore requesting payment for: £xxxx.xx.

I wrote to you on xx/xx/xxxxrequesting repayment of these charges in full. This request is founded on the knowledge that the penalties I have incurred in relation to my account are unlawful at common law, statue and recent Consumer Regulations. I informed you that I would expect a response and full repayment within 14 days. This is a reasonable time line; however you have failed to meet my request.

 

The rest of the letter is standard template 3 with parts to do with default removed.

 

 

Yours Faithfully

 

dpick:p

 

did not want to put full letter in as would allow more or less copy of template without registering on site.

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Share on other sites

They have till 4pm tomorrow then LBA and another 14 days, then court.

 

To anyone thats going to court been trawling internet re small claims court and found that you can visit court to get an idea what happens. Find court usher (look for harried person in long gown). Explain you are in process of making claim and could you enter a court to see. Usher will have to check with the judge but will probable allow. You are NOT allowed to take notes or talk while cases are in progress. I have done this found it very enlightening, The judge let me stop for 3 cases and talked to me between (not about my case) you are not allow to talk about your case, unless judge asks first. (advise from usher). He gave me one very good pointer and I quote him very roughly in my own words. "You are not a lawyer don't try to act like one, while you must be able to say which acts you are using in your case, don't try to verbally use lawyer talk use plain and concise language. The judge is the one who knows the law, all he needs is you to explain your case he will interpret the law." That is if you even have to go to court for your claim.

 

dpick:p

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

Hi am preparing LBA letter could you pass comment please

Letter is amended from template 3

 

 

 

Hellifax PLC

 

Trinity Road

HALIFAX

WEST YORKSHIRE

HX1 2RG

Mr. dpick

xxxxxxxxx

xxxxxxxxxx

xxxxxxxxxxxxxx

 

 

Date of letter

LETTER BEFORE ACTION

ACCOUNT NUMBER xxxxxxxx

 

I have enclosed an amended schedule of charges to include additional charges from: xx/xx/xx to xx/xx/xx . These charges are regarding your compliance with my Subject access request dated xx/xx/xxxx.

 

I am again writing to request a refund of charges which have been applied to my account, amounting to £xxxx.xx

 

This sum has been calculated from the data received from you. The amount taken in unlawful penalty charges is £xxxx.xx. I request payment of this amount in full within 14 days.

 

I have previously written to you (xx/xx/xx) requesting repayment of this amount in full. This request is founded on the knowledge that the penalties I have incurred in relation to my account are unlawful at common law, statue and recent Consumer Regulations. I informed you that I would expect a response and full repayment within 14 days. This is a reasonable time line; however you have failed to meet my request.

 

The rest of the letter is standard template 3 with parts to do with default removed.

 

 

Yours Faithfully

 

dpick:p

 

did not want to put full letter in as would allow more or less copy of template without registering on site.

 

 

How about this?

 

 

 

 

 

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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Thanks Livelylad will amend my LBA to your changes above, they have till tomorrow so will send LBA Thursday if no further response

 

thanks dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Share on other sites

Nowt in post so sod it sent LBA another 14 days then if no result N1 (I am on benefits so no court costs at local court)

 

dpick:x

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Share on other sites

  • 2 weeks later...

WON WON WON Yabba dabba do

Halifax rang me 1.30pm with offer £1775 very polite no thanks upped to full refund £2295 straight away.

 

Waiting for letter in post then 7/14 days money in bank. Made it clear if they try to delay will start court proceeding.

 

Will update post as it developes:razz:

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

Letter this morning NO CONDITIONS so sign and watch bank account for money will post again

 

dpick:p

 

will make donation when money in bank.

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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CONGRATULATIONS...!!!

 

Its always great to hear of a quick(ish) win.

 

Have fun spending it. :D :D :D

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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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heyyyyy nice one mate!

 

got a letter, offering me 3/4 of the money - although, i will see it through and get the full amount.

 

yes be patient and you will dpick:p

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Share on other sites

  • 3 weeks later...

Money in bank yesterday

Halifax put money into account as "Cash" they don't even want to show that they have paid me back.

 

donation made

 

Please amend title to dpick V halifax WON!!!!

Look out crap1, MBNA and Littlewoods charges and PPI all of em)

 

dpick:p

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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congratulations

 

please complete our survey

 

 

 

 

 

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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