Response from Halifax

[susanmom]

Hi

 

Have trawled the FAQ's and my bank statements, have drafted a letter and have £2,256 to claim back. One small point of confusion. I have seen the advice to only claim the 8% interest when going to court BUT the preliminary approach letter has space for interest in the template?????

 

Also, is the best approach a recorded letter, normal letter or email?

 

Regards

 

Susan

[alanfromderby]

The space on the letter is for interest that has been charged by the bank, if applicable - it is usually very difficult to calculate - and often not worth the effort.

 

I would send by recorded delivery.

[susanmom]

HI

 

Sent Preliminary approach to Halifax for £2256 and received the following:

 

Account number: XXXXXXX

 

Thank you for your letter dated 8 May 2006.

I am sorry to learn of your concerns regarding charges on your account

We are keen to deal with your concerns as quickly as possible. A customer relations manager will investigate the points you have raised and you will receive a reply shortly, but certainly no later than 4 weeks.

You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

 

they seem to want 4 weeks, do I keep to my 14 days and isssue LBA if nothing arrives?

 

Thanks

 

Susan

[Guest Lueeze]

Please stay on 1 thread.

 

Yes send the LBA off after 14 days is up.

 

Louise

[susanmom]

Hi

 

Claim of £2256 submitted 8 May 2006, today I received an offer of £502, requesting that I sign that it is in full and final settlement before I receive it.

Basically, stating that (1) they incur costs for all transactions, (2) they outline charges in their T&C's, (3) telling me I should manage my account better and they reserve the right to close my account if I don't manage it properly.

Also telling me that if my complaint remains unresolved I should tell Louise Curran, Customer Relations Manager what she needs to do.

 

Now, do I just send off LBA on monday 22nd (when 14 days is up) ? and do I tell her I would like my £502 now, but would also like the rest?

 

Thanks ,

Susan

[alanfromderby]

Sounds fine to me - you could incorporate it into the same letter if you wish.

[susanmom]

Hi

I gave Halifax until tomorrow to respond on the LBA, and they haven't, so am getting the money claim together so I can press submit tomorrow night!

One quick question, the claim that I am making is on a joint account which my husband and I hold, but on the money claim website it seems that there is only space for one claimant, do I put both our names in?

 

Thanks

 

Susan

[barracad]

I assume even though it's a joint account you are both authorised to deal with the account individually? (i.e. you don't have to have both your signatures on cheques etc?)

 

If so, either one of you can make the claim as you both have full authority.

[susanmom]

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