pinkpuli v Halifax

[pinkpuli]

Hi, I'm new and have been reading forum for some time picking up courageto have a go at the Halifax & Nationwide. I have 2 accounts with Halifax + credit card. Whilst I have followed the threads re current accounts and indeed have just requested copy statements with precedent letter from CAG I am a little confused re credit card charges. Can i claim some of these back ie late payment fees. Whilst the charges are less than on current account they are charging £12 for late payment + interest as well for which they do nothing. Advise and help would be appreciated.

[sea-sidelady]

Claiming on your credit card is the same as the charges. So all the charges there, you can claim.

 

If you have your statements then you need to put them nto your spread sheets. But you will need to claim the credit card seperate.

[pinkpuli]

Thanks. So essentially simply because the charges are less than what the Halifax impose on their current account customers they are still unreasonable. I will write for copy statements immediately. I was a little worried they would argue the charges reflected their costs.

[pinkpuli]

Prior to sending off my SAR i looked through a few statements that I had kept and noted that my initial purchase on the card £450 was 18 months ago and through late charges and fees for going overlimit (it was only the Halifax's charges that took me over the limit ) i now owe them 534.00!!!

I will start the process immediately.

[pinkpuli]

Now received my opy statements from the Halifax. I am now going to do my spreadsheets re charges. The Haliaf are not clear as to what the charges were for simply says "charges as notified" I cannot recall whether they were for over o/d limit, failed DD etc. Can I simply put on my spreadsheet "charges"?? Advice please.

 

Nationwide won 11 July 2007

[sanand]

Hi pinkpuli, I just put 'charges as notified' on my spreadsheet cos thats all they put on my statements.

[sea-sidelady]

Yes. "charges as notified" is fine.

[pinkpuli]

Thank you Seaside Lady.

[Dusary]

That's what I put as well, and since they offered me a *Goodwill* gesture and paid a pittance into two accounts (totalling £7.5k) - obviously they seemed to be quite happy!

 

 

(Though I'm NOT!)

[pinkpuli]

I am intending to combine charges on my current account with charges on the credit card account but am still awaiting SAR. Initial reuest was sent 1 May 07. I have today sent 7 day LBA in respect of failure to compky with request.

[moneyhelp]

I maybe wrong here, and if I am someone can correct me - but I would not combine the 2 accounts, treat seperatly, as that is what I am doing.

I have won my current account, it's now on to my credit card.

[Dusary]

I think that's the safer way, money!

 

pinkpuli: keep your bank a/cs separate from your credit card one!

[sea-sidelady]

You can combine accounts, apart from a credit card account.

 

So yes as money says, you will need to do seperate claims.

[pinkpuli]

Thanks for your in put folks.

 

I read the thread of stephen_emerson20 who issued on both claims (bank account and credit card) in same set of proceeding and recovered in full recently and that is why I thought it would be a viable option to do this.

[moneyhelp]

Can you post the link pinkpuli?

[Dusary]

Can you post the link pinkpuli?

 

This is it, money:

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/87962-help-needed-claimed-bos.html?highlight=stephen_emerson20

 

 

But as money and SSL and I have said:

 

Keep the Bank a/cs separate from the Card one!

 

Makes it much more fun, anyway!

[pinkpuli]

Thanks for your in put folks.

 

I read the thread of stephen_emerson20 who issued on both claims (bank account and credit card) in same set of proceeding and recovered in full recently and that is why I thought it would be a viable option to do this.

 

 

This is the link folks:

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/87962-help-needed-claimed-bos.html?highlight=stephen_emerson20

[Dusary]

He! He!

 

Who's not reading their own thread, then?

[pinkpuli]

In the light of yesterday's developments still pursue the credit card claim against the Halifax???? Advice appreciated please.

[**Tilly**]

hi pinkpuli yep carry on with your claim for your credit card stick to your timescale

[pinkpuli]

Thanks. I will put the bank charge claim against the Halifax on hold. I have just sent my LBA but charges only relate to last 3 years so will not time expire to make claim and will concentrate on credit card charges against Halifax only. Thanks for advice.

[**Tilly**]

no probs your welcome:)

[**Tilly**]

thankyou;)