lw-d v Halifax

[Bookworm]

Good stuff. Keep us updated! ;-)

[lw-d]

There is information in the template that refers to credit card charges, obviously I take this out (the OFT reference), is there anything I should include in relation to regular bank accounts?

 

I did a quick search but couldn't find anything specific to just bank accounts, apologies if looking in the wrong place. I just want to put together a follow up letter that corrects the reference to OFT but backs it up with why they shouldn't have charged me for penalties on my bank account.

 

Thanks

[lw-d]

Hi all, I have the letter all ready to be posted, my problem is that I do not have any hard facts relating to terms and conditions of a bank account, and the charges applied (like we have with credit card charges). Since they have used this as the primary reason for taking the matter further, I am a little concerned that I probably should.

 

Is there something I have missed, again, sorry if this is the case, I just want to back up my claim with some reference to bank account charges, as oppose to credit card.

 

Thanks for any help.

[Bookworm]

The template is correct. Do not alter it.

 

What the OFT said was that although their investigation related to credit cards, the principle applied across the board (eg to bank charges). The banks know this very well, they're only trying to unhinge you.

[lw-d]

bookworm, I salute you. Thats great, makes me feel better about the whole thing.

 

Thanks again.

[kennythecelt]

Hi

Bookworm is exactly correct!! Don't you worry and keep going. We are all beside you and will support you. There are lots of people on here who have received those letters. They are just delay tactics and the banks are trying to put us off the scent.

 

Focus on how you felt about those charge letters coming in through your door. It caused heartache didn't it!!

 

Well now you can get your own back. Its them thats in the wrong and they took your money unlawfully!! You can now get it back. Just follow the advice and ask any questions. Read the won threads for inspiration.

 

HBOS have a kind of staged process, which simply put is along the lines of.

 

1 Reject.

2 50% offer

3 100% offer

4 minority of cases that don't receive offer until just before court action.

5 Even smaller number of cases in court (miniscule in comparison to those that get settled before that stage)

 

You accept nothing short of what you are entitled to- 100%, as you will get it. You will get refusals along the way, as we have done. I know and I want you to get yours back!!!!!!! :D .

[Bookworm]

Oh, and while we're on a morale-boosting exercise, I have changed your title for you, as you are not stupid, and shouldn't be made to feel that way either. ;-)

[kennythecelt]

Exactly. You are one of our buddies!!!!!