Just Starting

[Tom Carter]

Hi all,

Got the copies of my statements on Saturday (2 days to spare!!).

I worked out they have charged me £1,246 +interest. Since Nov 2001

Just getting my prelim letter ready and have 2 questions;-

1. Do I send the prelim letter to the guy who answered my request for the info?

2. As I have always had an overdraft on this account I get charged interest on my account every month usually £2 ish. But some months it's up to £19 after the months with charges in. How do I know which part is the interest for the charges and what is for the overdraft? This is made harder as the take the interest on the last day of the month (the same day I get paid) so I’m not usually overdrawn so the interest is not totalling up in the spreadsheet.

Hope you guys can help

Thx Tom

[MARTIN3030]

Tom you should send to their Trinity road address.

 

As for your questions on the interest....have a look at this.

 

 

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html

 

Although it deals primarily with the spreadsheets,there are lots of posts there about your questions.

[thewifeandI]

1 - you can do, but it's not essential. I used 'Customer Relations' for mine.

 

2 - You have to look at the interest debited. If it says just that then take the lowest balance (highest overdrawn) in the month up to the interest. If it says Interest debited as notified, then go back another month and take the lowest balance from that month.

[roberto]

I sent mine to the trinity road address. As for interest used the spredsheet template and make sure you send a list of charges you are claiming back I did mine like the spreadsheet template.

 

hope this helps.

[Tom Carter]

All Sorted now thx for the help

 

Prelim Letter sent 31/7/06

 

Just waiting now to see what they do.....

 

 

Tom

[Tom Carter]

Well they did nothing

 

So LBA sent today 14 days to go more waiting.. :)

 

Fingers still crossed Tom

[MARTIN3030]

Stick with it Tom

 

If you are familiar with the Halifax ways of doing things recently then you will know..........not too lohg to go now !

 

[Tom Carter]

Hi Guy's off to court to file my claim, well the 1st one anyway as i'm in Scotland and will be breaking my claim into two..

 

Wish me luck

 

 

Tom

[Tom Carter]

Hello

 

Got a phone call from Michael Davernport (customer relations) today

 

His Direct phone number is 01212541068 (another for the list:D )

 

He offered me £160........ LOL then £482 still no chance..this was in response to my LBA, better late than never.

 

I also got a letter from Dundee Sheriffs court, Return Date 9/10 hearing date 16/10. Looking forward to it, Not long to go now.

 

Will keep you all updated

 

Tom

[Elaine 54]

Good luck Tom

Although you won't need it hun not long know

love and light Elle aka Elaine 54

[roberto]

Hang in there Tom as I sent my money claim on 23rd August 2006 and got paid every penny into my account yesterday. It does work honestly!

[Tom Carter]

Is it worth rining the Halifax to try to speed up my Claim??

 

 

or do i just have to wait???

 

 

Tom

[4kidsat147]

Is it worth rining the Halifax to try to speed up my Claim??

 

 

or do i just have to wait???

 

 

Tom

 

You just need to wait......it's a pain but as it's in the courts hands now then things will be moving.

[roberto]

I agree Tom just wait and you will be paid out.

[Elaine 54]

Tom

 

I would't ring them hun, just wait it will be there soon just keep checking your bank

[Tom Carter]

Thx will do

 

Tom

[Tom Carter]

Hi All,

I've been on holiday in Turkey

 

I checked my bank account while i was away and.............

 

£949.88 credit from Halifax :lol:

 

I WON !!!!

Part 1 down part 2 on it's way to court in the next few days..

 

Thx for all the help and advice i'll do the survey and a donation is on it's way

 

 

Tom

[Tom Carter]

2nd cout action started 27/09

 

 

Here we go again

 

Tom

[suetaylor]

Hi all im just starting out too. will keel you posted

[baby4444]

Hi all,

 

Just joined you today and boy are you lot helpful !!

Hoping you can help me on this one. I am going to be trying to claim back from Halifax. I have opened a new account today with NatWest so not worried about Halifax closing my account. Problem is, I have a loan with the Halifax - could they use that against me in anyway??

 

Thanks guys

[MARTIN3030]

Shouldnt do as the loan will be a separate agreement to the account.