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benq37 v Halifax Plc


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Letter sent late post 26feb requesting 6yrs worth of charges.

 

Letter received today returning £10 payment.Statements to follow.

 

The letter also states :-"You will appreciate that we have to pass on the costs for paid and unpaid items, should you use an unauthorised overdraft.It's only fair to all of our customers that we pass on these costs to the specific account holders affected.The amount of the transaction does not affect the cost we incur so the charge remains constant."

 

In other words, it's okay to be charged £39.00 for a failed DD of £3.98 .:-x

This on top of 2 other failed DD's meaning £39.00 * 3 = £117.00 taken from my bank account , when i'm already struggling....MARVELLOUS...

 

I can't wait to see the total charges for previous 6yrs..

 

26th Feb - letter sent.

28th Feb - letter received . Statements to follow.

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It's beyond a joke really benq, anyway, you're doing the right thing by reclaiming your charges back...don't get mad, get even as they say!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Received 6yrs statements yesterday.

 

Charges total £1194.00

 

Letter sent today requesting £1289.52 inc interest.

 

Now the fun starts :)

 

26th Feb - letter sent.

28th Feb - letter received . Statements to follow.

7th March - Received statements.

8th March - Letter sent requesting full refund.

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Hi...

 

You dont include the interest until you get to MCOL stage

PINKPETAL

 

Lloyds TSB (1) Statements received

LLoyds TSB (2) Statements Received

LLoyds TSB (3) Statements received

Halifax Credit Card (1) Statements received

Halifax Credit Card (2)

SARS request Sent

RBOS (Halifax) Credit Card (3) SARS has Elapsed, on 54 days now

Barclaycard - Goodwill offer of £264.00 :mad:

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  • 3 weeks later...

Hi,

Letter received last week dated 17 March stating "sorry you are unhappy with the charges debited to your bank account blah blah"

It states the Financial Services Authority allows 8 weeks to investigate & respond to complaints.

It also states Halifax will respond fully within 4 weeks.

Would it be better to wait ... or send LBA letter ?

All advice is much appreciated..

Thanks..

 

 

 

26th Feb - letter sent.

28th Feb - letter received . Statements to follow.

7th March - Received statements.

8th March - Letter sent requesting full refund.

17th March - Letter received ...sorry your not happy..

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Dont wait.....

 

Its a stalling letter. Send your lba after the 14 days.

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  • 1 month later...

Hi,

Just received another two page letter from the Halifax saying their charges are justified after fully investigating my claim.

Another 8 weeks to respond to their findings or they assume i'm happy..

All advice much appreciated..

Thanks...

 

 

 

 

 

 

26th Feb - letter sent.

28th Feb - letter received . Statements to follow.

7th March - Received statements.

8th March - Letter sent requesting full refund.

17th March - Letter received ...sorry your not happy..

30th April - LBA letter sent..

04th May - Letter received ... charges justified..

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Just a standard fob-off benq, as SS-Lady says send off your LBA if you haven't done already. If you have sent it off, get ready to file a court claim.

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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