hidden_angel v halifax won today !!!!

[hidden_angel]

i posted my first letter on the 9th of feb and had them back monday , i thought this was very quick , i sent my second letter of today first class recorded delivery , now wait to seee ...

[hidden_angel]

hi , i sent my 10 pound postal order along with the first letter to the bank on the 9/02/07 and recieved my statements on the 19/02/07 , i rung the bank to see if they had received cause the tracker number stated on line that they had not received it ( dont go by what that says ) cause i got my statements , they told me that they only charge 5 pound and on the phone she put notes on my account to send me also statements of my second account i have with them , i have added up 684 pound , i sent back today my second letter and a draft of each account with the totalls owing , now just to wait and see ....

[Rooster-UK]

Hi Hidden Angel.

 

Please start your own thread in the Halifax Bank Forum and post details of the steps you have taken so far.

I assume that the first letter was a DPA SARs request and the second letter is the preliminary request for repayment?

 

If you post details in your own thread, we can see what stage you're at. Then if you need help we can see the history of your claim and help you better.

 

Regards, Rooster.

[hidden_angel]

Hi Hidden Angel.

 

Please start your own thread in the Halifax Bank Forum and post details of the steps you have taken so far.

I assume that the first letter was a Data Protection Act SARs request and the second letter is the preliminary request for repayment?

 

If you post details in your own thread, we can see what stage you're at. Then if you need help we can see the history of your claim and help you better.

 

Regards, Rooster.

dont no how this works , how do i post it in there ?

[Rooster-UK]

Click on the following link.......

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/

 

That will take you to the Halifax Bank Forum. Then just do the same thing that you did to start this thread.

 

Regards, Rooster.

[hidden_angel]

Click on the following link.......

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/

 

That will take you to the Halifax Bank Forum. Then just do the same thing that you did to start this thread.

 

Regards, Rooster.

says that invalid link:confused:

[Rooster-UK]

Sorry. Some of the forums are being altered to reflect the company status where one bank has been taken over by another, etc.

 

Try this link......

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

 

I've just tried it and it does work.

 

Rooster.

[hidden_angel]

hi all , i sent my letter to halifax on the 9/02/07 along with 10 pound postal order and received my statements on the 19th which i thought were pretty quick considering i had been on line to check if they had received it and signed for it and it said it had not , so dont recomend you going by what the royal mail states , i sent all my info to the head office at leeds , i rang them to check on progress and was told by a very helpfull lady that i only needed to send 5 pound and what she did was use 5 for 1 account i have with them and 5 for the 2nd account and i received statements as promised for both , i have today sent my 2nd letter again to leeds with a printout of the charges in total for each account , now just got to see if i get a reply within 14 days heres hoping

[katesage]

Hi there Hidden Angel

 

 

You are quite right about the Royal Mail track and trace service, exactly the same happened with my DPA letters sent to Natwest, in fact according to Royal Mail, they never got delivered! However, clearly they were because I got my statements soon after.

 

Just a word about the £10 DPA fee, some banks charge you £5 per account for all statements BUT this is not full DPA disclosure and you will not receive any additional info. In most cases this is absolutely fine but is worth knowing for those cases where you need to access all info on your accounts. Also the £10 fee applies to all data held about you on all accounts by ONE organization, NOT per account, so your £10 fee would have covered both accounts anyway.

 

Wishing you loads of luck

[hidden_angel]

Hi there Hidden Angel

 

 

You are quite right about the Royal Mail track and trace service, exactly the same happened with my Data Protection Act letters sent to NatWest, in fact according to Royal Mail, they never got delivered! However, clearly they were because I got my statements soon after.

 

Just a word about the £10 DPA fee, some banks charge you £5 per account for all statements BUT this is not full DPA disclosure and you will not receive any additional info. In most cases this is absolutely fine but is worth knowing for those cases where you need to access all info on your accounts. Also the £10 fee applies to all data held about you on all accounts by ONE organization, NOT per account, so your £10 fee would have covered both accounts anyway.

 

Wishing you loads of luck

well i seemed to get all the info of bank charges , is there something else i needed then ? just a bit confused from what you said lol

[hidden_angel]

can i claim from my halifax one credit card , every month i am paying 40 quid into it yet i am being charged 12 pound for overlimit fee and 12 pound for late payment fee , so hardly any of the debt is being paid of , if so , would i send first letter addressed on the top of my statements , customer services , pitreaveie business park , dunfermiline , ky99 4bs ?

[katesage]

hi hidden

 

sorry didnt mean to confuse you there.

 

a full dpa request includes all date held about you, which can include letters, notes made by staff during phone convos, interest rate notification, overdraft limits, application forms etc etc

sometimes this info can be helpful, but in a standard claim, all you need is statements.

the other reason i mentioned it is because if you agree to a £5 statement 'release' and then dont get statements, you can be left on the back foot, because the 40 day deadline isnt ticking.

 

hope that reassured you?

[crashbandicoot]

Found it! Yes, you can reclaim from your credit card, as a seperate claim to your bank one. Send them an S.A.R. to that address you have there...which I understand is the registered address, with a £10 fee, and get started with that one too.

[crashbandicoot]

Hidden, I'm going to ask a mod to change your thread title to hidden v halifax credit card so that you can stick all your questions about this claim in here, to avoid confusion. Please don't start new threads for questions relating to claims that already have threads in future, just put them in the relevant one and they'll eventually get answered

[hidden_angel]

sorry with being new its all going over my head , is the overlimit fee and late payment fee classed as charges then ?

[ab123uk]

They are charges, but they are in line with the OFT ruling.

[crashbandicoot]

Yes they are classed as charges and yes they are in line with the OFT ruling, but the OFT states that at a £12 fee it wouldn't interfere, it didn't say that £12 is acceptable. Therefore you can reclaim those charges...until such a point that Halifax C/C can provide a breakdown of their costs in court....which they won't. A penalty is a penalty...whether £12 or £30...it's still over-inflated.

[hidden_angel]

what is the oft ruling ?

[ab123uk]

crash has outlined the OFT ruling above, but I don't see that they would refund these charges, as these are now recognised as a fairer charge, and are much better than the £38 people previously faced. I think Halifax might start closing Visa's if they were challenged on this. Maybe you think otherwise? Give it a go, If someone doesn't try, we'll never know! And it will be a very interesting case to follow.

[crashbandicoot]

ab there are other people who are claiming and have successfully reclaimed these charges. (see successes link) Halifax will say they're reasonable...they said that about the £30 charges too! The fact is that they are penalty charges and at even £12 a go I personally think they aren't reasonable. As it is, hidden, the choice is yours. You can accept them, or try to reclaim them back

[binkhus]

reclaim them! £12 is too much when your paying them every month and they are interfering with your ability to pay the debt off. i think you will have more than a good chance of getting these charges back. the OFT may say they are fairer but the banks wont want to go to court because of the chance they will have to show the breakdown of the charges .

[MR2Phil]

I fully intend on going after my CC charges when I've got my current A/C ones back...I'm gonna close the CC anyway, so I won't have anything to lose. Wish I was further down the line, timewise, then I could report back to you all!

[hidden_angel]

i am going to try for the simple reason as stated above that the 40 pound a month i pay ( struggle to pay ) 24 pound of it is took of straight away in charges , if i make a payment 1 day late they charge me 12 pound ? i seem to think no matter what i pay they will find some thing to charge me over

[hidden_angel]

can anyone else enlighten me on if i can or cant reclaim charges of overlimt fees or late payments on my halifax one card of £12 each time for each one ???

[crashbandicoot]

hidden, one of the mods has obviously merged your other threads into one so these questions have re-appeared from when you previously posted them...but I hope your questions have been answered now