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theno1lush poss vs Halifax Credit Card


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Hi all

 

I would like to be able to reclaim charges made onto my Credit card account by Halifax, however, I have a current account (not my main bank account) with them too.

 

Can or indeed has the HBOS ever closed a current account due to people reclaiming charges on their credit card account?

 

Would love to hear from anyone who has insight on this.

 

Please help

 

cheers

 

Lush :confused:

Lush ;)

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They arnt allowed to close an account as a retaliation.

 

The main reason they close accounts is if multiple claims are made on the same account.

 

Yes you can claim on both accounts.

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Many thanks Sea-sidelady

 

I would like to keep hold of my HBOS current account as I will use this as a parachute account should anything happen with my main account whilst reclaiming charges.

 

I shall now go to see how many charges they have put on my credit card account and do a prelim letter.

 

Lush ;)

Lush ;)

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Hi there, I'm currently trying very hard to claim for my Husbands credit card. I had to do a SAR. I sent it to :-

Halifax Card Services

Customer Services

Pitreavie Business Park

Dunfermline

KY99 4BS.

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Thanks jw,

 

That's the address I've got for it, luckilly I've got all my credit card statements since I opened the account five years ago (ok, call me a hoarder!!) so I can send them the prelim letter and breakdown of charges they've given me over that time.

 

I noticed on the halifax card services website that there address is in Leeds, oh bummer, I think I'll send both a copy then just to be sure!!!

 

Also, on the sticky from livelylad, there is an email address: [email protected]

 

Not sure where this geographically ends up, but got to be worth a bash aswell???!!!

 

Many thanks jw and orra best with gettin your hubby's charges back!!

 

Keep in touch!

 

Lush ;)

Lush ;)

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Well that's the prelim letter sent off to Customer Services, P O Box 548, Leeds, LS01 1WU, the Customer Relations Dept, Halifax, Pitreavie Business Park, Dunfermline, KY99 4BS AND emailed to [email protected].

 

I know it's probably overkill, but I'm not sure which office actually deals with this side of it, so if in doubt, give everyone a copy!!!!

 

Let's see how quickly these guys respond

 

Lush

Lush ;)

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Wow, that was quick peaches!! and good on ya for getting your full wack out of them! Here's hoping that they'll do the same with me as I'm not claiming too much (under a grand), so we'll wait and see!!

 

Lush

Lush ;)

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It was only for £175 so that might explain some of it but from reading other threads, you just never know with them, you would think that with all the claims they're getting they would have a procedure for dealing with them by now.

 

This was my 1st claim and somehow I dont think the rest are gonna be so easy. Even tho it was only for a small amount it still feels like a huge victory! :grin:

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And rightly so, I'm trying to get just over £500 from them, so we'll wait and see what they do with it. You would think that all the banks and building societies would have a proper procedure in place by now with the amount of claims going into them, I'm also trying to reclaim my bank charges with the RBOS and that's for quite abit more, and I agree, I don't think these guys will be so easily dealt with either, but we live in hope and if you don't ask you don't get!!! ;)

 

Lush

Lush ;)

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I think I've probably had the quickest reaction from Halifax Card services to date!!

 

I posted out the letter on 23 May and received a letter today from them offering me half of the amount!! I'm not going to accept it though I want the full amount back from them.

 

Their letter states:

 

Thank you for you communication regarding your accuont and I regret that you have found cause for complaint.

 

I am sure you will appreciate thatlike other organisations we incur costs for administering your account for late/unpaid payment or overlimit situations. The Bank believes itis fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our organisation, penalising all our other customers as a result.

 

HBOS clearly outlines our charging policy in the Terms and Conditions that apply to your account. In addition we are committed to complying with the Banking Code, which sets out standards of good banking practice for banks and building societies follow when dealing with personal customers.

 

I am prepared to offer you a refund of charges to the value of £222.50 representing half the amount of charges applied to your accoutn. If this is agreeable to you please sing and return the enclosed acceptance form to allow us to complete the refund to your account.

 

Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns,if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for help. If I don't hear fromyou in the next eight weeks I will assume you are happy.

 

Yours sincerely

 

Lisa McPhee

Complaints and Consumer Guidance

 

Well for a start that's not even half that they've offered me, I'm claiming £505.00 ex interest, with its £618.17.

 

Do I write back to her refusing this offer or do I hang fire and wait until next week and just send the LBA??

 

 

Please please help someone!!!

 

Lush :confused:

Lush ;)

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It would also appear that there is a contact name, address and telephone no for this dept.

 

Lisa McPhee, Complaints and Consumer Guidance

Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS

 

TEL: 01383 743354

 

Hope that this helps anyone else/

Lush ;)

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Guest bluecloud

 

I am prepared to offer you a refund of charges to the value of £222.50 representing half the amount of charges applied to your accoutn. If this is agreeable to you please sing and return the enclosed acceptance form to allow us to complete the refund to your account.

 

 

 

Sorry, but couldn't resist highlighting the typo, at least I hope it is. I know that most banks think they can demand almost anything of their customers but this might be pushing things a little. :D

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Lol, thanks for pointing out the typo bluecloud!!! that's what I get for copy typing and not checking!!

 

Peaches, that's a great line, I will incorporate that to my LBA, trouble is, is it still okay to proceed with the LBA if I am still paying off my balance? I personally don't see why not as the charges are historical, but just want to be sure!!

 

Cheers

Lush ;)

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How does this sound as an opening statement for my LBA?

 

Feedback gratefully received!!

 

I am disappointed not to have received a complete and satisfactory response from your letter dated 28 May 2007 offering me £222.50.

I might add that the offer in your letter is NOT half of the amount that I am claiming as that would calculate to £252.50 (not including interest).

I will however, agree to this being a partial settlement to the full amount I wrote to you to claim back (dated 23 May 2007).

Then the standard template of the LBA contents.

Hope to get feedback soon, the LBA is due out next Wednesday!

Lush:)

 

 

Lush ;)

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You are best sending them seperate, and also using the letters in the templates as they work.

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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