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AdO vs Halifax


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Hi all, first of all I'd just like to say how great this place is and thanks.

 

Even the prospect of getting something back from these [edit] banks has made me feel better about my financial situation, so it's good start already.

 

I've just been and hand delivered my request for statements/charges to my local branch but unfortunately they wouldn't give me a receipt (well at least I know they've got it).

 

So now does this mean I give them 40 days from today to supply me with this information?

 

Sorry to seem dim but i'm new to this 'taking money from the banks' game.

 

Wish me luck...

 

PeAcE:cool:

 

[MODERATED: Please do not post libelous comments on this forum]

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Guest Lueeze

Hi, and welcome!

 

Please read the FAQ's section before beginning, as you will have a lot to read and take on board first. If you then have any questions which you need answering, please feel free to post again after this.

 

We are here to help, but ultimately, its your claim and your responsibility!

 

Good Luck,

 

Louise x

 

Start counting from the day you delivered it...

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  • 4 weeks later...

***UPDATE***

 

Just to keep ya'll up to date with my progess, I received my statements on Friday (all 28 envelopes), and after about 45 minutes and countless papercuts later I was ready to get my Voderman head on and start counting.

 

£1112

 

What a bunch of [edit]!!

 

I'll be sending off my request for repayment letter this afternoon, fingers crossed!

 

So hopefully, very soon, I'll be receiving a cheque to the value of £1112 courtesy of Halifax.

 

It's all very exciting...

 

[MODERATED: Please do not post libelous comments on this forum]

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  • 3 weeks later...

Well, I received a letter from the Halifax last Saturday but due to the busy week I've had, I haven't been able to do anything about it.

 

Basically it's the same crap that everyone has been getting

 

.......we are sorry to here you have a complaint.....its up to you to manage your account.....we will continue to levy these charges on your account if they occur in the future blah blah blah.......

 

Anyway, from my claim of £1112 they offered me £169 :o

 

I've done this letter this morning and would like to know if it's ok, if not, what can I change about it???

 

TIA

 

 

Halifax PLC

Trinity Road

HX1 2RG

July 13th 2006

 

LETTER BEFORE ACTION

 

[deleted] - Letter templates are available in the templates library for registered users only.

 

 

 

 

 

AdO

 

8)

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Hi

Your letter looks ok to me, I'd be happy to send it, but I sugg:wink:est that you look in the bank templates library to see if there is anything else that would be better.

I think so long as you say that you will not accept the offer or that you will accept as part payment but will be claiming the remainder then that should do.

Sent Data Protection Act to Halifax 13.6.06

Daughters Data Protection Act sent to NatWest 5.6.06

Natwest sent statements on 24.6.06 Daughter owed £204.00 Preliminary ready to go.

Halifax sent my statements today(26.6.06) Owe me £1702.00

Preliminary sent on 27. 6.06.

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Cheers dude.

 

I'll be tottling of to the bank tomorrow to hand it in personally to one of the spotty faced oiks that graces me with their presence.

 

 

 

 

8-) and the gang...

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I think they file the letters rejecting in the bin. They never seem to get much of a response and never seem to get the interim payment or formally withdraw their offer.

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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I think they file the letters rejecting in the bin. They never seem to get much of a response and never seem to get the interim payment or formally withdraw their offer.

 

Sorry to sound like a div but I didn't get that at all.

 

Do you mean I should alter my letter or not? :confused:

 

 

AdO, one very confused man....

 

 

 

:cool:io

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Well, I received a letter from the Halifax last Saturday but due to the busy week I've had, I haven't been able to do anything about it.

 

Basically it's the same crap that everyone has been getting

 

.......we are sorry to here you have a complaint.....its up to you to manage your account.....we will continue to levy these charges on your account if they occur in the future blah blah blah.......

 

Anyway, from my claim of £1112 they offered me £169 :o

 

 

8)

 

Thought you had been offered £169? now I am confused? did you reject it? accept in part or what?:|

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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Lol, this is funny, my confusion has confused you! :D

 

Well on the letter that I put further up this page, on the first line I wrote...

 

While I appreciate the offer of £169 as full and final settlement of my claim I feel that I am unable to accept it.

 

Then you put...

 

 

"I think they file the letters rejecting in the bin. They never seem to get much of a response and never seem to get the interim payment or formally withdraw their offer"

 

So i didn't know whether you meant that the letter was ok or not?

 

Thus the confusion began....

 

Please don't be pi$$ed with me for asking so many Q's.

 

Ado, feeling like a simpleton and choking for cold one.

 

 

:cool: as a cucumber

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Right, well it looks like I made a right mess with my LBA, good job I didn't send it.

 

Barracad, cheers for deleting it. :-)

 

So here's my new version, basically it's the template that is provided by your goodselves, all i've done is take out the optional bits because to the best of my knowledge I haven't been given a default from the Halifax.

 

So here goes, please tell me if it's ok this time round....

 

Halifax PLC

Trinity Road

HX1 2RG

 

LETTER BEFORE ACTION

July 18th 2006

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £1112.

I am enclosing a copy of the schedule of the charges which I am claiming.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

 

Yours faithfully,

 

 

 

 

 

AdO

Everybody be :cool: this is a robbery

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Ooops, sorry for the DP.

 

Forgot to mention, i've not put that I am declining their offer of £169 as F & F S, is that fine? Will they presume that I am knocking them back because of this letter?

 

 

 

 

Keep your :cool:

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  • 12 years later...

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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