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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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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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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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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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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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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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Okay, that's my rejection letter done and emailed for the attention of Lisa McPhee at Dunfermline, and the LBA goes off tomorrow as well as paper copies, God I've got butterflies now!!! LOL

 

Lush :p

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Hi all

 

Well another very quick response to both my rejection letter and LBA it would seem.

 

Today, I received another letter from a Jillian Lorimer from Complaints and consumer Guidance this time reading:

 

Dear Miss Lush

 

Account No: 1234 5678 0910 1112

 

With reference to your recent communication about your charges,we regret that you have found cause for complaint.

 

We are keen to deal with your concerns as quickly as possible. I have asked for one of our Complaint Advisors to investigate the points you have raised and you will receive a response from us within a maximum of four weeks, in-line with the Financial Service Authority regulations. We will of course, endeavour to reply to your complaint as soon as possible.

 

You will find enclosed a copy of our leaflet which tells you how we will handle your complaint.

 

Your concerns will be dealt with as quickly as possible, but if you wish to check the progress of your complaint in the meantime, please telephone a member of my team on 0845 1241362.

 

Yours sincerely

 

Jillian Lorimer

 

This letter was dated 12 June 2007.

 

Is this a standard stalling tactic to the LBA which was sent, or is it an acknowledgement that they made an offer earlier in which they said they'd offered half as settlement but in fact had a typo which was less than half of the amount or is it acknowledgement that they will come back with a course of action eg: full settlement or a prepare to defend against my claim????

 

I dunno whether to be worried or excited!! Aaaaaaaaaaahhhhhh the pressure of it all!!!!

 

Could someone who has had the same kind of letter advise me asap plllllleeeeeaaaaasssseeeeee!!!!!!

 

Should I stick to my timetable of sending in a N1 when the two weeks are up (Next week), as the amount is only for £505 exclusive of interest, I'm sure I can take it to the small claims in Scotland but would it be worth complaining to the OFT first and using court as a very last option?

 

Would love to hear from experience or wise owls please!!!!

 

Lush :confused:

Lush ;)

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It would appear there are more contact details for these Halifax Credit Card claims:

 

Jillian Lorimer

Complaints and Consumer Guidance

Customer Services

Halifax Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS (This address I'm getting to know off by heart!!)

 

Tel: 0845 1241362, no email address attached on this letter though....

 

Hope that this is useful to someone!!

 

Lush ;)

Lush ;)

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  • 2 weeks later...

Many thanks Moneyhelp

 

It really motivates ya when you have a positive outcome on another issue, first £2k compensation for my employer from BT, £1.7k from RBOS, here's hoping I'll get the required response from Halifax!!!

 

Lush :D , Jeez, I can't wipe that smile of my gob!!!!

Lush ;)

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I will, and again thanks moneyhelp, I couldn't have got this far on any of my accounts without all of the support from you guys on this site, you guys are guru's!!!

 

I think I'll celebrate a wee bit tonight and properly at the weekend (well I didn't get the name theno1lush for nothin'!!!!) Lol

 

Lush :D

Lush ;)

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