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Moneyhelp Vs Halifax Bank ***WON***


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Sent my first letter to Halifax yesterday, sent it recorded delivery and included £10 cheque.

I'm also thinking of claiming from Halifax visa. Do I use the same letter as I used for bank account for visa?

I am currently in financial difficulty and the CAB has offered my visa £1 a month, will my claim affect this?

 

Any help gratefully received :)

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Glad to see you made it here.

 

You can ask for all accounts from 1 bank with the 1 SAR.

 

I dont think it will have any effect on your payment situation, but i will double check for you.

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I have already sent my first letter, I don't mind sending another cheque/letter if it doesn't affect my present situation.

 

If you can find out for me that would be a great help.

 

Thank you.

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From what i have seen so far it shouldnt make any difference, but im sure if some one with experiance in this knows any different im sure they will tell you.

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HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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All falling in to place for you now.

 

Any other worries just shout.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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I have just had a call on my mobile from an Indian guy wanting to know what bank I am reclaiming charges from. I refused to discuss this with him, I asked him where he got my number and he said 02, now how does 02 know that I am claiming my bank charges?

This guy offered to help me get my charges back, I told thanks but no thanks as I am NOT prepared to give my details out to strangers.

 

Has anyone else had this call? I'm confused to where they got my number from :confused:

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Best wishes with your claims Moneyhelp, that phone call from the Indian guy was a weird one !! I get the same guy phoning me every night, telling me I've won a mobile phone ?

 

Regards.

 

Scott.

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Received letter from Halifax credit card this morning dated 15th May 2007.

 

With reference to your recent claim, blah blah blah. You will receive a response within a maximum of 4 weeks. They were also kind enough to enclose a leaflet Personal Customer Complaints.

 

Do I wait the 4 weeks as they suggested?

 

I am a complete novice at this and would be grateful for any help/advice anyone can offer.

 

Getting scared now :(

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If you want to claim the interest ebited you must be able to prove that these are in connection with the charges, it can get very complicated, so most people dont bother.

 

As for the letter telling you to wait 4 weeks......No.

You keep to your own time scales. Remember you are in charge here. You are taking them to court. They must work around you. (good feeling isnt it!!)

 

So send your prelim, wait 14 days then then send your lba, wait 14 days then file at court.

 

You will probably recieve a fob off letter soon, saying they are right and you are wrong, but dont worry, just ignore that aswell.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Yes that does sound complicated, I'll leave that lol.

 

Thanks for the advice Sea Side Lady.

 

I still have a while for them to send my statements, I just want to get on with it I hate this waiting.

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Recieved all bank statements today from 2 current accounts. Poor postman :D

 

Been through them all and going to add them to my spreadsheet and get it posted recorded delivery tomorrow.

 

Here we go then, getting scared already :roll:

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Sent Prelim letter today recorded delivery.

 

I'll allow the 14 days then send next letter on 31st May 2007.

 

Only claiming on one account as I only had £10 charges on second account.

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Received the mass mailed fob off letter from a Tolga Cakir (Reviews Manager at Customer Relations)...

Thank you for your recent complaint. I'm sorry you are unhappy... blah blah blah...2 pages of nonsense. Funny that they don't even use blue logo paper and it's a photocopy not even signed. Lovely leaflet inclosed on personal customer complains too. Thanks Halifax!

 

Can I now send my LBA?

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I don't know if to add this and if I do how I go about it... any advice peeps?

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

I'm getting worried now after seeing poor Canksters post today :(

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