Halifax CR CARD, can they charge £12????

[rubberlips64]

Hi

Halifax credit card have offered me £50 of the £98 i'm claiming back - the remainder is made up of 4 x £12 = £48 + £50 = £98 Total

They are saying the £12 charges are ok and i dont have a right to claim these back, is this right?:-|

Thank you.

[sea-sidelady]

You can claim the full lot.

 

Dont let them put you off.

[rippedoffagain]

OFT Statement regarding £12 charge

 

An unfair term in a consumer contract is not binding on the consumer. However, a number of credit card issuers have disputed our view on how to calculate fair default charges and only a court can finally decide the issue.

 

Please be aware that only a court can decide whether a term is unfair and what is stated here is just our view.

 

We expect card issuers to recalculate their default charges in line with the principles in our statement to achieve consistency with unfair contract terms legislation. We have decided that, as a provisional step, it is appropriate to give priority to addressing default charges which exceed a simple monetary threshold of £12, in line with our duty to use our resources to tackle contract terms that have the potential to cause the most serious harm to consumers. We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold

 

Halifax are ill informed, £12 has never been tested in court.

[rubberlips64]

THANK YOU. FOR YOU ADVICE AND ENCOURAGEMENT at this stage it means soooooo much.

Halifax, i'm takin you to court for the full amount you've taken off me!

[rippedoffagain]

THANK YOU. FOR YOU ADVICE AND ENCOURAGEMENT at this stage it means soooooo much.

Halifax, i'm takin you to court for the full amount you've taken off me!

 

Do you still have a balance?

[rubberlips64]

NO, card ripped up!

[rippedoffagain]

NO, card ripped up!

 

Never mind then. I am not sure it is worth your while suing for £48.00, but its your choice.