MBNA beaten, now it`s the Halifax....

[balloon1435]

Within the last month I have stated action against the Halifax for bank charges (amount unknown).

I sent the SAR on the 31st March 07 and as yet have heard nothing from them to acknowledge reciept of the request or complaint.

 

I`m hoping that as I had success in reclaiming £2456.00 back from MBNA, this will not be an easy ride, but a slightly more knowledgable journey to getting my money back.

 

Has anyone else dealt with Halifax at this stage? also after reading quite a few threads on HBOS, I am getting the impression they are not very good at "giving a little extra" with customer satisfaction?

 

Love to hear your views.

 

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full

Halifax: SAR sent 30/03/078)

[maroondevo52]

Hi,

 

I just won my second claim against HBOS and they ignored everthing I sent them. They then ignored my court return date and court calling date. Got my cash in full plus interest about a week and a half after court calling date, they just paid it into my account without a word. Strange lot. You will just have to wait the 40 days, then send them a Non-Compliance letter.

 

Best wishes.

 

 

Scott.

[balloon1435]

Thanks for yor post Scott,

 

It amazes me how they operate, I spoke to a friend who is a few months in to his claim with HBOS and he has had nothing back from them at all.

With MBNA, they did at least acknowledge the complaint and once they had made an initial goodwill gesture, they were fairly open and were also trying to open communications with me to resolve matters.

Did you only correspond by mail ? or did you try to hasten things along with telephone calls ?

 

Liney, not a shiney

[Hugh Jeffort]

I cant work out what they are doing, I've been going through my halifax claim since feb, at court action now and i get a random phone call and letter offering the full amount???????? I told them i at least want the full amount plus court fee, the lady said ok thanks and hung up?????? Now they are going to have to pay the 8% too.....madness!!!!!

[balloon1435]

Hi Hugh,

Thanks for that, it does look like a one way thing with the halifax. I am just wondering if they ever sent you a copy of their commitment to customer leaflet which I belive is available in most branches? I am going to my local branch in a bit and will pick one up just to see what services they claim to offer, with regards to a complaint.

 

 

Liney, not a shiney

[Hugh Jeffort]

Twice they sent me it, with a lovely "sorry your not happy" letter!! I was touched! Also got another booklet for the financial Ombudsman Service......just to comply with legislation, shame they didnt think of that before they over charged people!

[maroondevo52]

Hi, Balloon1435.

 

All my stuff was done by post, never phoned them once. Some people say it's better to do everthing by post as you then have something to prove what they have been telling you. Others have phoned and got their cash, no problem. It seems to work both ways.

 

Regards.

 

Scott.

[balloon1435]

Hi Scott,

 

Thanks for that info, I am a firm believer in postal communication with the banks, as you said at least you have proof. With MBNA they were quite eager to communicate over the phone, some of the advisors were trying to negotiate a lower accepted offer but always seemed to come unstuck when you play hardball with them or quote legitimate regulations to them. One of the MBNA crew actually asked me if I was a lawyer! He was quite shocked when I informed him that I had wrote to my MP and got a letter back from the Attorney General and The Treasury (Ed Balls MP) shortly after he terminated the conversation...

I will stick to mailing for the time being, I`m sure time will tell.

 

Thanks for taking the time to reply

 

Liney, not a shiney

[balloon1435]

Hi there everyone,

 

I submitted my DPA to the Halifax (recorded delivery) 42 days ago now, and believe it or not "NOTHING" from their customer service-complaints department-support staff or the cleaner come to that!

To be honest I didn`t really expect much more as the general feeling from the CAG forums is that they are useless. Just to give them the benefit I will wait until the postie cycles past in about 1 hour before sending the Non-Compliance letter which is already to send (recorded delivery) of course.

 

Does anyone out there feel that a further letter of complaint to the upper management would be worth while, highlighting poor customer service with respect to the DPA response times? I`m sure it`s something he already knows but hey, can they live in denial for ever?

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07

Halifax: Non Compliance Letter sending 11/05/07:cool:

[balloon1435]

Postie went bye my house today.

Non Compliance Letter sent this afternoon.

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07

Halifax: Non Compliance Letter sent 11/05/07:mad:

[balloon1435]

Still heard nothing from the Halifax.

 

Can anyone advise me what is the best course of action with these clowns?

 

I really want to take the militant approach with them as they are being plain ignorant.

 

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: :mad:

[sea-sidelady]

Try giving them a quick ring, this can some times work.

 

If not then you can file at the county court. It will cost roughly £63, but you can claim this back, and if you are on benefits, you will be exempt.

 

Here are the forms you will need...

 

N1..

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1_0102.pdf

 

Poc..

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

[balloon1435]

Sea-sidelady,

Thank you very much for the advice, I dont suppose you have a good contact number for Halifax? (correct department) Looking through the threads there seems to be loads! and you appear to be a well oiled machine with Halifax, looking at your success.

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: :evil:

[sea-sidelady]

Like you say there are plenty of numbers around.

 

Try these...

 

08457253519

08456037923

 

Can you let me know if they are ok.

[balloon1435]

Thanks again,

I will try later on today if I get a chance.

 

Could not help but notice that all the phone numbers are at a price, just another stealthy way of banks making money. What ever happened to free banking?

 

Will report back if I have any success...or if I don`t !!!

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: :evil:

[sea-sidelady]

0845604700 This is one that has been used today sucsessfully.

 

There will be some that are under the" say no to 0870" but i cant find them at the minute.

[moneyhelp]

Seaside lady....

 

In my post about the phone number I missed a 0... it should read 08456047000

 

Sorry

 

I have amended my thread.

[sea-sidelady]

Lol, its ok i have added it in the stickys, and altered it.

[balloon1435]

Hi all,

 

Received a letter from the Halifax this morning (Data Subject Access Request Team) Something like this:

 

Dear ******* ****

Further to your letter of **/**/** I am pleased to enclose the information you requested. I hope this has provided you with the details you require.

Details of how we make use of your personal information can be found at Halifax - Privacy. the registered data protection notification details can be found at ICO – Information Commissioner's Office. If you have any difficulties accessing either of these pieces of information please let me know and I will be happy to forward you a printed copy of either document.

 

Yours sincerely

 

A Baffoon

[end]

 

Unfortunately they only sent me an additional sheet of paper with a list of charges (undefined) going back to 2004. I have just checked my first letter (DPA) and it clearly stated 6 years. What an absolute cop-out...

I`m so glad I sent the Non Compliance Letter.

 

Watch out Halifax, this is one P****D OFF customer who will not go away.

 

Sorry, Ranting and Raving over. The letter highlights £870 of charges, do I persue that now then chase the rest when I get the full DPA request? I know for a fact I had charges before 2004.

As the 7 days allowed under the Non Compliance Letter are up, I`m not sure what is the best way forward?

 

 

 

 

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: Pathetic Letter received 26/05/07:eek:

Halifax: :evil:

[balloon1435]

Hi all,

 

After a year from starting the battle with Halifax and dare I say it " waiting for the test case"

 

Sent the LBA,

 

N1 prepared,

 

1st July N1 goes in to County Court.

 

I know a lot of water has gone under the bridge and more and more cases are on hold with the court, but that patronizing letter Halifax sent me last week done nothing more that force my hand to go to court.

 

 

I do have one question; looking at the court fees, am I correct in thinking that £85 is the right figure for a claim in excess of £1500 but less than £3000?

 

balloon1435

[**Tilly**]

Hi

 

Yes if your claim is between £1500.01 and £3,000 the fee is £85.00

 

 

 

Tilly

 

 

[balloon1435]

Thanks Tilly,

 

I had to search hard as a couple of the links I found were very confusing, they went in to quite some depth about what the claim was about and the cost did vary quite a bit.

 

I`m sure this claim will be held almost immediately in stay, but I remember reading somewhere that the court in which I will be serving the N1 (Lincoln) the magistrates are less than impressed at the banks approach to these claims and the flipant no-shows!

 

Has any one heard anything like this?

 

I`m just about to serve another SAR on Halifax for my better half

 

 

balloon

[aliboy]

Hi, just read your thread aobut action against HBOS. I won back £1,876 last year & admit to being a bit upset that they didn`t put up more of a fight! I notice also that you took action against MBNA. I am about to do the same on 2 of my accounts with them. Any advice?

 

Thanks

Al

[balloon1435]

Hi aliboy,

 

Going by how easy Halifax were with you, MBNA were not too much trouble. I followed a strict timeline which they were rubbish at keeping on-line with, they kept trying to call negotiate a lower price but I stuck to my guns and they settled the full amount plus interest. Going against the grain slightly I did have to call to speak to a customer advocate officer at the final hurdle, he actually sorted the "goodwill" payments out. It might be worth the odd phone call from you after you have identified the amount plus interest.

 

First thing, Have you submitted your SAR?

 

balloon1435