Monkeys Skint v Halifax

[monkeys skint]

hi every body.

[121o121]

hello monkey, and welcome...

 

are you here to reclaim bank charges?

[monkeys skint]

hi there

 

yep sure am. need some info on what to do.

[Michael Browne]

Welcome.

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started are here:

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

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[121o121]

Thats told you,

 

lol

[dx100uk]

good luck welcome along

 

we are all with you

 

dx100uk:D

[monkeys skint]

i have read a few things on the subject i just have two half silly questions

like

when you you send your letter and cheque can the payment be a postal order or should i go in and pay cash?? {as i dont have a cheque book}

 

and can a clam on an account that is in the hands of a debt recovery firm?

[MARTIN3030]

Yes you can claim for closed accounts.

Send a p.o and better sent recorded to the reg office.

[hagenuk]

Hello monkeys and welcome.

 

Yes, you may send a postal order and yes, you may claim on an account that has been passed to a debt recovery firm.

[monkeys skint]

thank you martin i shall do that and let you all know how i get on.

 

michael i will give the stuff a read...........is there an exam to the end.lol

[Michael Browne]

michael i will give the stuff a read...........is there an exam to the end.lol

No, just money, is that a good enough incentive?

[MARTIN3030]

Hi your Halifax thread is now here.

Your Lloyds Tsb ; You can either post a new thread in that bank group or else if you want advice about the Debt side of it then post in the dca forum under the debt group.

[CavemanJoe]

For avoidance of doubt - if the debt has been passed to a debt collector, you still send correspondance to the original company that held the debt (IE the bank or building society or credit card company etc), not to the debt collection agency.

At least, I believe this is the case. If anyone knows different, please let me know.