Bigyeti v Halifax

[bigyeti]

As I sent off my SAR to Yorkshire a couple of weeks back (and got an acknowledgement) I've submitted my SAR today. They should have it tomorrow.

 

I went through our old statements, going back to 2002 when we opened the account, and although there were a few missing, I managed to tot up £4907. Plus interest, that makes £5738.34.

 

With careful management, and handing back our cheque book voluntarily, we've not had any charges since 30 Sept 06.

 

However, we are permanently dipped into our £1000 overdraft. We do have an account lying dormant with Lloyds TSB with which to transfer everything to if they spit their dummy out and say "we're closing your account in 30 days".

 

Anybody know how often Halifax close an account after a payout?

 

Yorkshire Bank

SAR sent - 15/02/07

Fee taken - 16/02/07

Acknowledgement received - 22/02/07

Halifax

SAR sent - 26/02/07

Halifax Credit Card

SAR sent - 26/02/07

Kays catalogue #1

SAR sent - 26/02/07

Kays catalogue #2

SAR sent - 26/02/07

[docannie]

Hi,

I've only seen 1 thread where an account was closed by the Halifax & luckily you have your Lloyds account if they state that to you, but I think that they tend to close your account only if you go for a 2nd lot of charges...hope that helps!!

[bigyeti]

Royal Mail confirmed my letter was signed for on the morning of 27th February. They've yet to take the tenner from my account though..

[bigyeti]

On the 12th March, they'd charged me £5 for the DPA fee. Today, 28 seperate envelopes containing 138 pages of statements arrived.

 

It came to £4980! So, prelim. letter going in the post on Monday. Incidentally, the interest is £866, so hopefully they'll not pay up until I file a court case.

[sea-sidelady]

Just make sure you double check the figures, as most people miss a few first time around. And even if you have only missed 1 it will make your figures in to the £5k.......

[bigyeti]

Prelim letter and a 4-page schedule of charges are now winging their way to our branch of Halifax.

I anticipate their 'bugger off' letter with apathy.

[bigyeti]

They've replied. Not the "here's £50 now bugger off letter". It's reads more like

 

"sorry you're not happy with us taking nearly £5000 off you, but we have 8 weeks to deal with the complaint. But, because we're nice people we'll keep you posted within 4 weeks. Aren't we good?"

 

I'll be sending off the LBA. 4 weeks my a*se.

[bigyeti]

Well, they've reached the deadline. The LBA is going in the post later this afternoon.

[bigyeti]

They've had the LBA. The deadline of the LBA is today, is it worth giving them a call to see if they want to settle before I file a court claim against them on Monday?

[bigyeti]

I called the customer complaints people, they said they are not settling until at least their 8-week timeline is up. I said I'm filing the court claim on Monday afternoon, so they can settle before then and save over a grand in interest and fees. But he was having none of it.

 

I'm in town on Monday, so I'll hand in an N1 while I'm there.

[bigyeti]

Actually, will have to be Tuesday as B&Q are delivered a shed a load of pavers and sand on Monday

 

Still, it'll be an extra quid or so in interest.

[bigyeti]

This morning, I made a final call to Customer Services stating that, unless I hear from them by 11 o'clock that they were prepared at once to refund me all charges taken from my account, a state of war would exist between us. I have to tell you now that no such undertaking has been received, and that consequently this user is at war with HBOS.

[bigyeti]

Been into court today and filed an N1. Hope I've done everything properly

[bigyeti]

Received confirmation from the court today, they say the claim will be deemed served on 14 May 2007. They have until 30th May to reply.

 

If they do acknowledge, they have until 11 June to file a defence.

 

Here's hoping. :o)

[kev77]

Loving the "state of war" post! I do not have in my hand a piece of paper either, and will be filing N1 next Thursday. Was going to call them too but sounds like a waste of time! V for Victory!

[half ax I]

bigyeti

 

Any idea why there is 11 days between when N1 was filed and deemed served? I thought it was usually a couple of working days after filing!

 

S:confused:

[bigyeti]

Probably a combination of bank holidays and a couple of weekends I imagine.

[bigyeti]

The claim is deemed served as of today. Not heard anything so far.

[grousebeater52]

Can You Guys Tell Me How You Claim Over £750 In Scotland

[bigyeti]

I'm afraid I couldn't say personally. I'm sure there is a page somewhere about this on the site but I'd have to check first.

[bigyeti]

We got another letter today saying that they've decided not to refund us anything. Although the letter is dated 14th May, I don't think it's a response to the court claim being served.

 

It also said that if I want to pursue it further, I need authorisation from my wife as it's a joint account.

 

Is this the case? I've not put my wife's name on the N1 form or any of the letters as transactions have never needed both signatures.

[sea-sidelady]

As long as you have full accsess to the account, ie can withdraw with just 1 signature, then thats all you need to claim.

 

It sounds like they are grasping at straws.

But if it becomes a problem, then its easy enough to get your wife to do that, so dont worry.

[bigyeti]

I had a feeling that was the case. Well, if I've not heard anything by 30th, I'll be filing for judgement. Huzzah!

[bigyeti]

Also just noticed that they've spelt my name wrong on their letter and the first line of the address. lol

[bigyeti]

Just received a letter acknowledging service of claim on 21st May. They have 28 days to file a defence. Is that 28 days from when the claim is served (14th May) or from when they acknowledge it?