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Halifax Credit Card Charges Problem


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Wondering if anyone can help me.

 

I have received my statements back from Halifax Card Services and have calculated my charges to £1,247.00, after finding this out I sent out a letter giving them 14 days to reply otherwise I will have no other option than to go to the small claims court.

:confused:

The thing is the 14 days are nearly up and I still haven't heard anything from the bank. I called them after 9 days and they said that they haven't got any acknowledgment of my second letter on the account. I informed them that the letter was delivered by recorded delivery on 21st March 2007. I don't know if I should send them a good will letter giving them a further 7 days before final court action or not? Can someone help me please?

 

Thank you

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you might wish to read the threads on the subject here:-

Generally, you send them a request for repayment, then a letter before action the process is 14 days each.

 

If you hurry to court, as a judge may see, you may not get your money back.

 

The templates and instructions on this site are an invaluable tool to recover charges.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

good luck!

 

 

Steve

Halifax - paid out without getting to court - £250 WON - no intention of going, stated too costly!!

Halifax no 2 account - paid out without a fight - (by mistake, £1650 - should have been £1200 - had to pay some back)

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Then a judge can see you've been more that reasonable- it's just the Halifax that have been useless!:rolleyes:

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Halifax are backed up with claims - it can take up to 15minutes if you call their 0845 number. I have phone a guy today who is trying to sort out my three claims - won't budge on interest payments - and has advised me to go to court!

 

I have given two lots of 14 day periods - plus a few days.

 

A Judge will see that you have acted in the interests of fairness and mutuality.

 

hope it all goes well - you won't need luck - just patience:D

Halifax - paid out without getting to court - £250 WON - no intention of going, stated too costly!!

Halifax no 2 account - paid out without a fight - (by mistake, £1650 - should have been £1200 - had to pay some back)

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