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Keyser Soze -v- The Halifax


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Right, I've have a good look through the threads on here so it looks like I'll be giving this a go.

 

The only thing I need to do before I can send the DPA letter with my cheque is discuss it with my Fiance first as we hold a joint account.

 

By my reckoning the Halifax have taken around £2000 in charges from us for varying reasons.

 

Obviously I wish everyone else the best of luck and hope that if enough of us take them on they'll sort their practices out.

 

Cheers,

 

KS

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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  • 2 months later...

S.A.R. Letter sent by Recorded Delivery yesterday.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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  • 1 month later...

Well it turned out that Royal Mail lost the SAR letter (even though it was sent by Recorded Delivery!) so I had to resend it on 2nd October.

 

Thanks Royal Mail, you've cost me 3 weeks!

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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  • 1 month later...

Request for repayment of charges sent to Halifax 10th November, response dated 15th November received yesterday stating it will take approximately 4 weeks for them to respond to my query and enclosing a nice leaflet which had little or no relevance to what's going on.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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Response received dated 20th November 2006 stating that not only can they not provide a breakdown of their actual costs incurred due to the fact that it's "commercially sensitive" but they are also claiming that the OFT ruling does not apply to them as it was "related to charges applied to credit cards and not bank accounts".

 

Despite this the kind souls have offered me the princely sum of £562 being six months worth of charges applied to my account as long as I accept it in full & final settlement.

 

To be honest I can't even be bothered saying that I'll accept it only as partial payment, I'm just going to issue the Letter Before Action as I don't need the money at the moment and I want the interest on the charges back from them as well.

 

I guess I'll be issuing another CCS in 14 days time!

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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  • 2 weeks later...

Received letter from Halifax yesterday stating they don't accept that any monies are due and they will defend any claim.

 

Claim for £2,647.00 plus £516.42 for interest and £120.00 costs issued today.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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Thanks Aardvark, Notice of Issue received yesterday.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

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