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Johnson V Halifax


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Hi everyone,

 

spent along time reading this site and finally decided it was time to start for myself.

 

I don't have all my statements so yesterday I sent of the DPA letter asking for the last 6 years of statements, but my guestimate from the records I do have is around £2250

 

My main problem is that I spend most of my time abroad working and so I think the initial part of the process will be a little slow.

 

I do however already have another bank account, but hardly use it. Time I think to start moving things over before the Halifax get difficult.

 

Will keep things posted as and when they happen.

 

Thanks again for all the info.

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Welcome to the site and

Good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 1 month later...

As I'm away from home, finally got some statements when my family arrived yesterday with 27 envelopes.

 

Also got a letter from Nicolla Inett, Data Protection Consultant telling me al my requested statements have been ordered.

 

Got all the requested statements for the first account. 127 sheets, but for the 2nd account they have only sent 4 pages covering the first 6 months of the 6 years requested.

 

Anyone have a number for NIcola so I an call and tell her they have 18 days left to provide what I asked for (based on the date of the halifax reply) or should I wait the 18 days and then claim they have failed to abide by the DPA request.

 

After all if they can get it right for one of the accounts they can hardly say they misread the letter when both accounts were mentioned on the same letter.

 

Well now to wade through the sheets for the first account and see what the total comes to.

 

Happy recoveries

 

Dave

 

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Hi Everybody

 

I've decided to chase the bank for the thousands they have taken off me over the years. I sent a letter to the Halifax requesting information on the charges that had been applied to my account over the last 6 years. They wrote back to me telling me they had 'no legal obligation to manually invervine in my bank account and that they had ordered copies of my statements to send out to me. They said the copies would be with me for the 15th July but guess what? Yes! I've had nothing yet. I have just come back off holiday and due to unforseen circumstances (being overweight with my baggage on the way back) I have been forced into an overdrawn position on my account. They have paid two direct debits ( which is a first because they don't usually pay them) and charged me £88.00 for the pleasure. I have tonight talked to the Halifax about the excessive charges that have been applied but they were insistant that they are doing nothing unlawful. I will talk to customer complaints tomorrow about the missing statements. What will I do if they don't send them?

 

Thanks for any help with this

Mo

Sent Data Protection Act Letter 06/06/2007

26/07/2006 Received 33 envelopes containing statements. (33 letters for a fiver .... bargain lol)

:o

27/07/2006 Sent Prelim Letter via email to halifax

10/08/2006 Received Halifax letter offering me £178.00 (goodwill gesture):rolleyes:

11/08/2006 Sent LBA letter out excepting goodwill gesture but not as final settlement. Persuing the rest in court.

01/09/2006 Taken the claim to County Court.

05/06/2006 Claim sent back by the courts... I hadn't put the court address in the top right hand corner :x Took it back to the court 06/09/2006 won't get issued until tomorrow ........... if I'm in luck!

08/09/2006 Received 2nd offer of £524.00. 09/09/2006 claim is served :D .

13/09/2006 I WON, I WON, I WON. Full monies paid back.

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  • 1 month later...

Been a while since I added anything here due to a few internet access dificulties but in the mean time progress has been made of sorts.

 

Brief history:-

 

Account 1:-

 

Wrote to the halifax asking for the charges refunded waited and was in the process of drafting the LBA when a letter popped through the door offering £880 in respect of my claim for £3121. I therefore included the no response in my LBA.

 

Just after that I recieved the letter telling me they had applied a default to my account. (I stopped using it when I sent my request for refund, but they continued to add charges). I therefore wrote a 2nd letter also demanding the Default be removed etc.

 

Tomorrow is the deadline for them before I start the court claim.

 

Account 2:-

 

Wrote the lBA demanding the statements they had failed to send me. They eventually arrived while I was away on buisness so was a few weeks before I could go through them. I was pleasantly surprised that they had only charged me £69 in 6 years, so I will concentrate on account 1.

 

I have calculated that since my orgigianl request they have added a further £580 in charges. So with Interest at 8% I expect to be claiming £4265 plus the cost of making the claim and the £10 charge for the statements.

 

I have a busy day at work tomorrow so I expect to start the court ball rolling on Tuesday.

 

Dave J

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