Graeme V's Halifax & IF.com

[Graeme Barry]

OK, i have requested all transaction information on all my accounts, as yet i have not sent a DPA letter as i spoke to each bank telling them i needed all account info from last six years including all bank charges i have received so i can review my finances and financial past, " No problem Mr Barry will be with you within 7 days!!".

 

Does this sound normal to you?? Was expecting not meant to do that! or other questioning but nothing!! OK costs a fiver but hey 7 days is better than 40!! anyone else gained the info they require so easily??

 

Also on the IF.com (same company really if you were not aware, based in same office as halifax card services) gonna claim back arrears on personal loan, is it just 'interest arrears' as well as direct debit refused charges i am entitled to claim or is there more? have checked the FAQ's n stuff but still not 100%.

 

Wish me luck;)

[colour-me-happy]

It is recommended you use the template for a DPA Subject Access Request because it requests further key info in addition to the list of charges eg; the question of Manual Intervention.

 

If you request this info and they confirm or deny any intervention will be helpful should your case get to court.

 

Bear in mind the Halifax do not always do what they say they will, if you have not had your statements within 7 days I would strongly recommend you do the DPA as they have a legal obligation to comply with this, yes it "could" take 40 days but believe me it is worth the wait

[Graeme Barry]

Cheers for that, on me way to post box now!! let the fun begin!!

[colour-me-happy]

Don't forget the £10, the clock doesn't start ticking until they have this

[Graeme Barry]

Halifax Current acc DPA sent 08/06/05

Halifax Credit Card DPA sent 08/06/05

IF Current Account DPA sent 08/06/05

IF Personal Loan DPA sent 08/06/05

IF Credit Card DPA sent 08/06/05

Will keep you all posted!!

[cwoj]

OK costs a fiver

 

A friend of mine did the same, but they got charged £5.00 for each statement and was debited £325.00!!!

[Graeme Barry]

OK sorry for not being on for ages, have had all charges back from if and halifax, IF account was not too bad so am keeping that account, Halifax £3500!! have sent them the request for repayment letter today giving them 14 days and have the LBA all ready to be sent in two weeks all by recorded delivery of course, i may have made an error though, on the spreadsheet i have only claimed for the total for charges and not included interest on the spreadsheet, as i understand it i do not need to until doing the N1 is that right?

 

Also because IF and Halifax are the same group are they likely to shut down my IF account too or as i would see it as they are 2 seperatly run opperations should not be able to do this??

 

Many thanks in advance:D

[Graeme Barry]

oh and only got charged the £5 thank god!!

[Graeme Barry]

Ok got offered a ridiculas amount to start off with and rejected it and had to send my lba a day later got a letter offering me £1500 of course i am gonna turn it down but do i really need to send them a letter rejecting it or can i just ignore it and file with court on the 9th nov as my lba states, just not sure if meant to respond or not??

[Guest bluecloud]

You should respond to the offer regardless of the status of your claim.

 

In the (highly unlikely) event that the case ends up in front a judge the bank could whinge that you had issued the claim during negotiations. A bit crap but you need to play the game properly if you want to win.

 

 

.

[Graeme Barry]

nice one cheers!!

[Graeme Barry]

Ok Filed with money claim today all accepted for just over 4K, hope have done everything right have to wait n see now. A quick question do i now have to send another shcedule of charges to the halifax??