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ja-de Vs Halifax **WON**


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Halifax owe me £74 in charges for 2 DD's. 1 in April 2005, & the other in April of 2006. there was supposed to be 3 lots, (making it 2 in April 2006) but after I rang up & complained about not being informed about the ones for last year, (I only found out when I checked my account at the "hole in the wall" 4 weeks after the fact), & was spoken down to & was literally told I was stupid for letting my account get into arrears, I also sent a letter to their office in Leeds, they decided I could have 1 of them back, which was for £39. I might add that I was not informed at all that the DD's had bounced. They told me they had posted a message on my internet account, which was no good because I was offline for 3 months. They certainly didn't send me a letter by post like they should have done.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hi all, sent my Prelim letter to Halifax on 10 May 07 by Recorded delivery. I have got a reply this morning which is postmarked Belfast, & I sent it to Leeds, they say that they have investigated the matter of the charges - , & basically tell me that as far as they are concerned the charges were & are justified. So, now it seems as though I'm back to square 1.

Has anyone got a reply, & had their claim investigated in just a few days.

Not sure what to do now, need help please.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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It is a standard letter, just ignore it and carry on with your claim.

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Should I still wait for the 14 days, or would you suggest I just sent the next letter now?

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hi sea-sidelady

 

Thanks for that, & congrats on your win.

Does it mean I should still wait the customary 14 days, or do you think I should send letter 2 now:idea:.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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It will be best to wait the 14 days, that way everything is by the book, and thankyou....:D

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

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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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Thanks, I'm very grateful for your help.:)

ja-de

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Does anyone know whether Incapacity Benefit is alienable under "Social Security Administration Act 1992":idea: as its the only income I have.

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13/07/07 **WON** Halifax

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Its to do with the regulations that banks etc. are not allowed to take charges from a persons account that are on "Income Related Benefits", so i was wondering if IB was classed as "Income Related".

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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I think all benefits are included.

 

Look here http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html get them back and if they are still taking it go here http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html it says all benefits paid by DWP.

 

Do check though. I am claiming and on Incapacity benefits ;)

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Thanks for the tip Moneyhelp. Been onto thread & made a couple of copies for when my IB goes into bank.:D

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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I sure will, & thanks again.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Sent LBA to Halifax 4 days ago, so, just got to sit back & wait for an answer. Fingers crossed & touch wood. (I'm not superstitious-honest).

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Let me know how you get on as well Moneyhelp. Best of luck to you too.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Yes, we can. I'm the same, in fact I'm terrified of the prospect of going to court. I keep asking to myself, what the heck am I doing, then I remember why. We can't let them bully us any longer. They've got away with taking our money for far too long.

I'm just going to check the post office to track & trace my recorded delivery's.

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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7 days since I sent my LBA, so I'm halfway there. Help!! I'm now getting a bit scared. I'll be so glad when its over.

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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No need to be scared. When it comes to filing, help is every where.

 

Why dont you have a look at the court papers. And have you decided wether you want to do N1 or mcol.

 

Have a quick read of this, it might help you decide.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

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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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7 days since I sent my LBA, so I'm halfway there. Help!! I'm now getting a bit scared. I'll be so glad when its over.

 

We are at the exact stage :o mine ends next Friday too! I posted in my thread this morning about how scared I was... don't worry we will do this together.

I have printed off my exemption forms and printed off that N1 help in my thread that Seaside Lady gave me. Will have a go (just cos I'm curious) at calculating the interest tomorrow, just to boost me up a little bit. :D

 

Hang tight Jade ;)

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To be honest with you sea-sidelady, I haven't even thought about it yet. Well no, scratch that, I've thought about it, but its all very new to me, & I'm so frightened of the prospect of it all :confused: . I don't care if they close my account, as I have another in reserve with a different bank. But like everyone on this forum, I just want my money back, & if I have to, I will take them to court.

So, it looks like me & moneyhelp will be holding hands, & can't forget we'll be taking sea-sidelady with us :D:D"kicking & screaming".:D:D

Thanks sea-sidelady for the link, I'm going to have a really good read of it all, & I'll let you know how I get on.

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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You too moneyhelp, we will do this together. I'm going to do the same as you & print it all off & fill it all in (or is fill it all in & then print it all off:???:). I'm curious as well to see how much interest there is, probably not much, as they owe me £74, jeez that's just short of a weeks Incapacity Benefit. We'll hang tight together, & hope we get our money by next week:rolleyes:.

Keep checking that account & let me know how you get on.

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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