Damm vs Halifax

[dammusernames]

Hi

 

I have spent the last hour or so, lookin through threads that people have started in regards to making a claim against their banks for the unlawfull charges that they have incured, many of them start with the same question, where do i start? to which the answer has been read the f.a.q, Here is my question, where in the f.a.q does it say wher to start? i have read all 7 posts in the f.a.q and none tell me where to begin, is this the correct f.a.q

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

 

Just for info i have my bank statements and have worked out that i have been charged £736 since december 2005.

 

a direct link to the f.a.q that i need would be greatly apreciated, or a pointer wher to go next.

 

 

thanks in advance.

 

David

[barracad]

Click on the link you have posted, and you will find 'Step-by-Step instructions'

[dammusernames]

i feel like such an ass, i only saw the 7 bold threads at the top of the page.

:oops::oops:

[dammusernames]

can i claim for unauthorised overdraft charge's

[jonni2bad]

Yes, it's in the FAQs, honest!

[dammusernames]

Ok worked out all my charges and will be sending my first letter in the morning. Im just posting now so i remember when i sent the letter and will update in due course with any developments.

[pmhread]

i feel like such an ass, i only saw the 7 bold threads at the top of the page.

:oops::oops:

 

LOL.... best of British with your claim!

[dammusernames]

i think i will start a fresh thread with my claim details and hopefully this one will fall of the forum. i realised you have to be logged in to see the other threads in the f.a.q thts why i didnt see them. maybe thats why so many noobs ask the same questions.

[strude]

Good Luck and stick with it.

[mechs]

i realised you have to be logged in to see the other threads in the f.a.q thts why i didnt see them. maybe thats why so many noobs ask the same questions.

hmmm interesting comment. I've never thought of that as I'm logged in each time I come in so have never had this problem.

[theccans]

When you find out can you let me know

 

Roger

[barracad]

When you find out can you let me know

 

When who finds what out?

[dammusernames]

theccans if you are still stuggling to find the letters make sure you are logged in before going to the f.a.q, because they dont show up to none members. heres the link again

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

hope this helps and good luck with your claim.

[Janet-M]

The canns can you start your own thread please as this one is being hi-jacked answering you.

[dammusernames]

Hi i decided to start my claim in a new thread. anyway, sent my prilimary request on the 12th june requesting that they refund my penalties totaling £736. recived a letter today(16th june) dated 14th june saying " we,re keen to deal with your concerns as quickly as posible. A customer relations manager will investigate the points you have raised and you will recive a reply shortly, but certainly no later than 4 weeks ".

 

So my question is which i think i already know the answer, do i wait just the 14 days and send another letter?

 

what letter would be my next step? this one?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=92

 

Thanks in advance

[barracad]

Threads merged - please stick to one thread.

 

Yes, follow the step-by-step guide. If no settlement received after 14 days then move on to the next step (LBA).

[colour-me-happy]

Hi there

 

Yes you do just wait 14 days from your original letter, the next step is the Letter Before Action (LBA) giving them a further 14 days before you file.

 

Good Luck!

[dammusernames]

Ok thanks,

[dammusernames]

Ok update, i recived a letter from halifax yesterday 17th june, usual blaggg "Thanks for your recent letter....... good will gesture..... £216..... Final settlement".

 

Obviously i am not going to accept this as final settlement.

 

So do i wait untill the 14 days are up? which will be 28th of june, or do i send them a reply stating i will accept this payment but not as final settlement and will still persue my claim for a refund of all chrages? Is there a letter i can modify for my own circumstances in the library for this purpose? Do i fill the "Acceptance form" in that they sent me?

 

Thanks in advance

[mechs]

This is what we wrote to them

 

Thankyou for your letter dated xxxxxxxxxxx

 

I respectfully decline you kind offer of xxxxxxx in full and final settlement of my complaint regarding bank charges I will of course unconditionally accept it as a partial payment of the charges and retain the right to persue the remainder through the courts if neccessary.If you wish to send me this partial payment then you can send me a cheque made payable to xxxxxxxxx etc

 

As for waiting until the 28th there is a divided oppinion here some say wait they could change their minds ....others say they have stated that its in full and final l settlement ..........you can move to the next stage ......its entirely up to you what you do ........we moved on once we knew it was their final offer

 

We didnt fill in the acceptance form as we emailed it to them....they did not reply so we moved to the next stage

[dammusernames]

Ok tommorow will be 14 days since i requested a refund, have wrote out my L,B,A and will be sending it in the morning recorded delivery.

I was sent a final settlement figure/good will gesture from this address

 

Customer relations

Halifax Plc

PO box 548

Leeds

LS1 1WU

 

Shall i send my lba to this address or to the trinity road address, just asking becuse i got no reply from the leeds adrress.

 

Thanks

[jonni2bad]

I would go with the latest address.....

[dammusernames]

Update, i recived an offer of £650 as full and final settlement, only £80 away from what they owe me, im thinking i may accept the offer but am not happy with the other conditions imposed.

 

"I am prepared to increase my offer to £650 in full and final settlement of your complaint. I will reiterate that future valid charges will stand and reserve the right to close your account if you do not manage it correctly."

 

So if i accept this payment, am i giving up my right to make future claims?

 

Maybe i should just take it all the way, at the end of the day thats £80 of my money. Damm decisions, what do you guys think?

[barracad]

Take it all the way. It's your money.

 

If you don't want the extra £80 I'll have it

[dammusernames]

Ok my lba expired on thursday. I decided to give the halifax the benifit of the weekend to see if they would respond to my letter, which they didnt. I have just completed my moneyclaim. how long does it normaly take to get a response from the halifax / court to process the claim?