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Charges Correctly Applied


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Hi everyone

 

Have been reading all your threads for a few weeks now. Have been through the standard process and sent 3 letters to Halifax. Just received a response which says that the charges have been correctly applied and that when I opened my account, I agreed to their terms and conditions. Info formed part of my agreement etc., etc.

 

Can someone please advise whether this sort of letter is standard and whether I can still go ahead and start a claim?

 

Peanuts

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Oh! Yes!

 

Oh! Yes!

 

Oh! Yes!

Totally par for the course - old chap!

 

Good on you for reading around for a while - you'll have got a flavour of what's been going on.

 

You start your claim RIGHT away!

 

You'll have come across this:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

And this:

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

 

Welcome to the right place!

 

Keep us informed of all that goes on.

 

We're ALL here to help each other.

 

No question is silly!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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