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Halifax unclaimed bank charges. ** WON**


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Hi Lisa

 

No news - yesterday got the 2nd 4 week wait letter, will respond by 22 June. I sent them a 2nd LBA letter yesterday by RD asking them to refund my charges within 7 days so as not to waste court time. If they forced me to file a claim despite my attempts to settle this matter out of court then I would also be claiming the interest charged on the penalty charges as well as court interest and costs. This was to give me more time (get paid on Friday and my 1st LBA ran out yesterday) and to maybe give them a chance to save time and more money. Can't see it somehow, think the general rule of thumb is that they pay up within 28 days of the court claim these days, but you never know.......

 

It seems forever when there's a chance of some money anyday and the 24 hours seem to last a week. Can't wait for payday. You heard from the court yet?

 

Suze ;)

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hi Suze......... BRING ON THE PAYDAY HUH!!! LOL

 

The postman still hasnt been...... why is it that when your waiting for something it seems to take 10 times as long? I hate that.

 

I was just reading cank V halifax thread.... hmmm read the last post :-(:???:

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Have just been on to cank, what does this mean for all of us??? Don't know what to think now, maybe should just throw in the towel and save paying out the court costs - it'll be £120 saved for us. What do you reckon Lisa?

Suze:(

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Please carry on your claims as normal.

 

We dont know any reasons or the information yet, so please dont worry.

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I think we need to find out the reasons before we can make our minds up, cank says he is going to scan the judgment so we will need to have a look at that first.

 

I think we are ok to carry on though,

 

I have my fingers crossed :)

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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hey SSL an going to read canks thread again, im sure it must be a claim out of the odinary!!!.

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Thanks SSL

 

A Calm you bring over the storm! I am crossing my fingers too Lisa and will carry on until advised otherwise - nothing ventured £1,202 not gained back!

 

Suze;)

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How very right you are!

 

at first it is an initial reaction to worry isnt it then sense kicks in half an hour later lol

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Still no postman.....has he been mobbed?

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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.............still no postman? Maybe he cant get his van up the very big hill to bring us our bank letters....errr mail i mean :confused:

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Anyway the postman has been and gone.... with him he brought a letter from the County Court. horaaaaaaaaaaaaaah i shouted as this was just a letter not like my hubbies refusal he had his papers back and a rejection. I opened the mail, and to my much disgust. the following.....

 

your financial circumstances are such that I consider you are able to pay all/part of the fee. The sum payable is £80.

 

B0LL0x!

 

Guess i'll have to appeal.

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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were looking at about 2 weeks maybe sooner :-( quite dissapointing but theres nothig we can do now :-(

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Hi Lisa,

 

Just read through this thread and want to congratulate you on your good spirit when your obviously up against it big time. Yes the system stinks when good honest people need help with legal costs and cant get them bu criminals have no problems getting legal aid.

 

I hope you can get your claim going and into court as it seems the money they have "pilfered" from you would give a welcome boost to you.

 

Perhaps if the worst came to the worst you could ask the Halifax for an overdraft to pay them:grin: (sorry, just my warped sense of humour, although asking for an overdraft and when they ask you what its for, you say "to sue your miserable asses" would be funny as anything:grin: )

 

I currently have one set of papers lodged in the Sheriff Court against BoS, with another to filed on Friday, total around £1600 (2x accounts) & Im about to go after Barclaycard, Barclays, Capital One & GE Money.

 

Keep positive and you will get there in the end. Dont get to mad at the postie either, the poor guy must have a bloddy hernia carting all these statment, standard letters around.

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Hey thanks for that!

 

made me and hubby laugh in a misrable moment. Haliprats wont even give me an adult account let alone an overdraft lol, tho wouldnt it be funny to see their faces as I tell them its to sue their fat asses!!!

 

PRICELESS!!! just like the mastercard advert, hmmm will sue their money grabbin asses next :-)

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Thats the spirit. Hey, they wouldnt give me an adult account until 2 years ago either, gave me their "spectacular" moneyback account the only moneback I'll get out of it will be the £1200 they "borrowed" from it and ended up with me having a £1400 overdraft. They are a little upset just now as I've completley stopped using it and got a letter saying the account was dormant and had to pay money in or my O/D would be revoked as per their T&C's. I paid in £50 and got a call saying that it needed more. I asked where it specified an amount in the contract (knowing full well it said regular payments without specifing an amount). They said when my O/D was up for review it would be taken away if more substantial regular payments were not made. The girl was a little pevved when I told her my overdraft does not have a review date as its a stand by overdraft which is on for the lifetime of the account & so long as I pay in a token sum each month (which I can of course take straight back out & keep inside my limit) they can do bog all.

 

They are trapped in this case by their own terms & conditions!!!

 

Shame that eh:???: :grin: :grin: :grin: :grin:

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Hi there all, I have read with interest the goings on with the Haifax.........I too have had good response from them till now. Firstly I rang to request my statements, they arrived within 3 weeks (and they didn't take the money for them!), I sent my first claim to them for 2 years which I had stored in my paperless account then I sent off a second letter with the remaining 4 years of charges to be claimed back. I have had responses to both letters saying that I should hear from them no later than June4th......only round the corner I know but I have further more sent them the LBA as I have given them the 14 days to respond, no response, so am going to go via MCOL....it will cost me £250 for this but am claiming £7767 back so worth it I believe - if anyone has any advice - I would be truly grateful............Jo x :p

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Hi guys, a further update, I have had a response from the Haliprats and they are saying that all charges are Justified! How! so there will be no refund. Is this the end or can I take this to court????

Please any advice would be fantastic!

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all i can tell you had same letter no later than June 4th.Sent mine to couurt got response saying going to defend so who knows what at moment,had alot back saying normal to be defended and usally pay out????hope so

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Stick with it guys, I was paid out a couple of weeks ago in full by halifax. I was 18 days into court action, money just appeared in my account followed by a letter a few days later.

 

Keep your chins up and keep on reading, just in case it does go all the way.

 

They may be judges and lawyers in a place called court, but at the end of the day they are the same as us. Perhaps even some of them may be claiming their illegal charges back? Not likely I know on their salaries, but you never know!!!

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Lewhay,

 

you say they have defended, or do you mean you have received acknowledgment which states in the tick box on page 2 that they intend to defend the claim in full??

 

If the latter is so, have you sent a copy of your SOC to the address on page 2?

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so just to put my mind at rest, is it a scare tactic to us as they don't want to pay out or is it really worth going to court over after Halifax have "reviewed" my request......I am scared that I will lose my money to go to court and slightly intimidated......what would you advise?...........Jo

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