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VictimAlex Vs Halifax,


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Hi everyone, tracking my claim as it may be of some use. Making a claim from Scotland but will make the small claim through English county courts.

 

All corespondance so far has been through.

 

HALIFAX Plc

Customer Relations

Trinity Road

Halifax

HX1 2RG

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Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: **********

 

 

writing to ask you to refund to me the charges which you have levied from my account over the last 9 years.

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. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

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 consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £1213.

I enclose a schedule of the charges which I am claiming with this letter

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

 

 

 

 

 

 

 

Yours faithfully,

 

 

 

 

 

****my name***

HALIFAX PLC

my acc noand sc

***************

SCHEDULE OF CLAIM FOR CHARGES

PERIOD: April 1998 TO Present

In Respect of:

Amount

Date Incurred

Days since offence

Interest

UNAUTHORIZED OVERDRAFT

£10.00

30/04/1998

3255

£0.00

UNAUTHORIZED OVERDRAFT

£10.00

31/03/2000

2554

£0.00

UNAUTHORIZED OVERDRAFT

£10.00

31/05/2000

2493

£0.00

UNAUTHORIZED OVERDRAFT

£10.00

30/06/2000

2463

£0.00

UNAUTHORIZED OVERDRAFT

£10.00

31/07/2000

2432

£0.00

UNAUTHORISED OVERDRAFT

£10.00

31/08/2000

2401

£0.00

UNAUTHORISED OVERDRAFT

£10.00

31/10/2000

2340

£0.00

UNAUTHORISED OVERDRAFT

£10.00

30/11/2000

2310

£0.00

UNAUTHORISED OVERDRAFT

£10.00

30/12/2000

2280

£0.00

UNAUTHORISED OVERDRAFT

£5.00

28/02/2001

2220

£0.00

UNAUTHORISED OVERDRAFT

£28.00

30/04/2001

2159

£0.00

UNAUTHORISED OVERDRAFT

£10.00

31/07/2001

2067

£0.00

UNAUTHORISED OVERDRAFT

£12.50

31/08/2001

2036

£0.00

UNAUTHORISED OVERDRAFT

£10.00

29/09/2001

2007

£0.00

UNAUTHORISED OVERDRAFT

£10.00

31/10/2001

1975

£0.00

UNAUTHORISED OVERDRAFT

£10.00

30/11/2001

1945

£0.00

UNAUTHORISED OVERDRAFT

£10.00

31/12/2001

1914

£0.00

UNAUTHORISED OVERDRAFT

£10.00

31/01/2002

1883

£0.00

UNAUTHORISED OVERDRAFT

£12.50

30/03/2002

1825

£0.00

UNAUTHORISED OVERDRAFT

£10.00

30/04/2002

1794

£0.00

UNAUTHORISED OVERDRAFT

£10.00

29/06/2002

1734

£0.00

UNAUTHORISED OVERDRAFT

£15.00

31/07/2002

1702

£0.00

UNAUTHORISED OVERDRAFT

£28.00

31/08/2002

1671

£0.00

UNPAID ITEMS

£88.00

31/10/2002

1610

£0.00

UNPAID ITEM

£30.00

31/12/2002

1549

£0.00

UNPAID ITEM

£30.00

01/01/2003

1548

£0.00

UNAUTHORISED OVERDRAFT

£28.00

01/04/2003

1458

£0.00

UNPAID ITEMS

£58.00

01/05/2003

1428

£0.00

UNPAID ITEMS

£78.00

31/05/2003

1398

£0.00

UNPAID ITEMS

£68.00

30/08/2003

1307

£0.00

UNPAID ITEM

£20.00

23/10/2003

1253

£0.00

UNPAID ITEM

£20.00

24/10/2003

1252

£0.00

UNPAID ITEM

£20.00

06/11/2003

1239

£0.00

UNAUTHORISED OVERDRAFT

£28.00

04/12/2003

1211

£0.00

UNPAID ITEM

£20.00

20/01/2004

1164

£0.00

UNPAID ITEM

£35.00

12/08/2004

959

£0.00

UNPAID ITEM

£35.00

08/09/2004

932

£0.00

UNPAID ITEMS

£105.00

08/10/2004

902

£0.00

UNPAID ITEM

£35.00

12/10/2004

898

£0.00

UNPAID ITEM

£35.00

08/11/2004

871

£0.00

UNPAID ITEM

£35.00

12/11/2004

867

£0.00

UNAUTHORISED OVERDRAFT

£28.00

30/11/2004

849

£0.00

UNAUTHORISED OVERDRAFT

£28.00

31/12/2004

818

£0.00

UNPAID ITEM

£30.00

08/04/2005

720

£0.00

UNPAID ITEM

£30.00

23/04/2005

705

£0.00

UNAUTHORISED OVERDRAFT

£28.00

31/05/2005

667

£0.00

UNPAID ITEM

£30.00

28/03/2007

1

£0.00

£1,213.00

£0.00

TOTAL CLAIMED AT DATE OF SERVICE:

£1,213.00

JUDICIAL INTEREST AT CURRENT RATE OF 8%

UNCLAIMED

£0.00

TOTAL CLAIMED AT DATE OF JUDGEMENT OR PAYMENT

£1,213.00

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My LBA

 

Halifax Plc

Dear Sir or Madam,

Re. Account number: *************

I refer to default charges applied to my account amounting to £1213 which I have requested you pay back.

I wrote to you on 30th March making the original request for a payment in settlement of my claim. As I have not received a satisfactory response, I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour.

I have attached a full schedule of the charges and interest with this document.

I look forward to a full response to this letter within 14 days, otherwise I will commence court proceedings to reclaim my money.

Yours faithfully,

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My LBA

 

Halifax Plc

 

 

Dear Sir or Madam,

 

 

Re. Account number: *************

 

I refer to default charges applied to my account amounting to £1213which I have requested you pay back.

I wrote to you on 30th March making the original request for a payment in settlement of my claim. As I have not received a satisfactory response, I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour.

I have attached a full schedule of the charges and interest with this document.

I look forward to a full response to this letter within 14 days, otherwise I will commence court proceedings to reclaim my money.

 

Yours faithfully,

 

Hi aurquhart will watch your claim I have just recieved payment into my account from Halifax £2295. I know from reading Halifax forum that I was fortunate in my claim was settled in 2 1/2 months.

 

Keep going you will get your money back good luck

 

dpick:razz:

 

http://www.consumeractiongroup.co.uk/forum/halifax-if-successes/66265-dpick-halifax.html?highlight=dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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