ja-de v Halifax - again

[ja-de]

Well peeps here I go all over again, totally & utterly p***ed off.

I'm in the middle of changing bank, I sent them a letter last week telling them I want everything moved over to my new bank, I have even spoke to a lovely lady on the phone from Abbey, & she confirmed that they have also been in touch with halicraps, informing them of the move over, but they still want to charge me £74 for failed DD's for the massive value of, wait for it............................................................£11.92, it is an absolute & utter joke. I even stuck a tenner in there to go with the £1.98 that was already in there, just to cover payment, & they send me an email at 10.30 last night; so when I signed into my online account I found the dreaded letter. To say that I'm annoyed is mild But, there is a possibility that I might be able to get this nipped in the bud, So, I'll keep you all posted.

[ja-de]

aaaaaaaaaaaaaaaaaaaaaaaaaaaahhhhhhhhhhhhhhhhhhhhhhhhhhhhhh, now I'm totally climbing the F***ing walls, I spoke to the insurance company, & the young lass on the phone said that as I have offered to pay this month instalment by cheque, she would waive it this month, which means I don't have to pay anything at until Sept. - sorted, no problems at all.

Rang haliprats, & was told that I would have to pay this months instalment, & £74 charges. He would not listen to what I what saying to him, & was adamant that the letter I got telling me that I was getting my money back, had to be signed & sent back, so I read the actual letter out to him. His answer was that if I transfer what is left in my account to Abbey, I would be putting my halicrap one into default, & either way I will have to pay the charges, I told him that I will spend it all before they get anything from me, & I will take it all the way to court again if I had to, I also said that I would have to see what CAG will say about that, as I have been a member for a while now, I then put the phone down & went mad. aaaaaaaaaaaahhhhhhhhhhhhhh

[ja-de]

What happened was that I thought everything was covered, money DD's & my benefit, all organised & ready to change over to Abbey. My benefit will go in to abbey next week, 'cos I sorted that myself, but I didn't know that the form for DD's has been lost, & thats why the peeps in the account shift office thought I didn't want my DD's moving from halicraps. So now I'm gonna have to ring Margaret at Abbey again & see if anything can be done about that £78, 'cos like I told the young man at halicraps, I have no intention of paying them anything, & if I have to I will spend the £11.98 that is still in there.

I ain't finished yet, I've still got some fight left in me. lol

To cap it all, I've just dropped my mobile into the washing up bowl, & yes it was full of washing up & water.

It's not my day!

[ja-de]

hehehehehe, I know, but I've had to hang it out to dry. lmao

Just spoke to Margaret again from abbey, glad I'm going there. She said that maybe it would be best to leave the bit of money in halicraps for now, & when I get letter from haliprats by post, to take it in to her & they will maybe pay charges, also ring halicraps again, & ask to speak to a manager & ask for the charges to be waivered, 'cos she said it can be done, & also to get as much advice & info from CAG as I can, to see what I can do about them, 'cos they (halicraps) haven't given me a chance at all. She also told me that they have to give me 14 days notice before they can take any charges from me. Plus as my benefit is just that, is it not "Illegal" (maybe not right word) for banks to take it from my account. Then again it won't be going in there will it. lol

Got headache now. Can't cope today, just found out the pub where the lads go for basketing their Pigeons has closed last night, so I now have to find somewhere else for tonight & get everything out of the pub that belongs to us. Can I go back to bed & start again from the day I got my first lot of money back pleeeeeeeease

[ja-de]

Update no. can't remember!

Just this minute got off the phone with a Manager no less, at haliprats, & yep you guessed it they will NOT be waivering the charges, you should have been here , it got into another fairly heated conversation, & would you believe I didn't even raise my voice once (proud of myself there), but I was a tadge sarcastic about how they can justify charging the amount that they do, he told me if I wanted a letter sent to me by post it would cost me £5; I told him to forget it, 'cos there is no way on earth I'm going to pay any more money them a*seholes

 

Footnote: my mobile is drying out nicely

[ja-de]

Hi money, yes I have when I spoke to one of their managers, & his reply was, "we can take it, because you owe it to us, & the rules also allow it".

Margaret at Abbey, told me that they will pay the £74 because of the misunderstanding, & it not being my fault, which I can honestly say is very good of them. She advised me to come back on CAG & get as much help & info that I could to try & beat haliprats again, & she agrees that they haven't given me a chance, by slapping the charges back on within a day of missed payment.

[ja-de]

Now thats a very good idea, you're not our own little for nothing, are you. Thanks money, I really do need all the help I can get right now.

[ja-de]

Thanks tilly.

[ja-de]

Just to let you all know that I have started a new thread All MP's

So if you have lobbied your MP, pleeeeeeeease add it to the list.

Many Thanks

[ja-de]

Hi overflow, thanks for the info, hope you like the emails, have you heard anything else yet??

Hi money, I've had to print letter I got online, & took it to abbey. Margaret said that they would probably pay the £78 charges, & that haliprats didn't give me a chance.

So, it looks as if this has gone as far as it can. lol

If & when I hear something I'll keep you posted. xxx

[ja-de]

Thank you money, you've just got me my 4th pip. xxx

[ja-de]

Looking good, innit. Off to bed now, can't keep my eyes open. so I'll say nite nite. ja-de xxxx

[ja-de]

[ja-de]

tilly. xxx

[ja-de]

Yesterday I got a phone call from my dad, to let me know that I had a letter from haliprats, basically to tell me that I owe them £66.02, I can't understand how they get that, 'cos the exact amount is £62.02, (but I'll get from mum & dads on tuesday morning when I go over to see them). The daft thing is that I took the copy of the first letter telling me that I hadn't enough to cover my DD payments to the Abbey, 'cos I was told that they would pay the £74 as it was all a misunderstanding on their part, as I told the lady who was organising my new account that I wanted to transfer "everything" over from haliprats to my new account. So, I would assume that it would all be in the process of being sorted out now, but as usual haliprats are being total rats again, & have taken the £11.98 that was in the old account, & sent this one telling me that I owe all over again.

Well there is just one thing I want to say to them, & that is: "If you want any money from me, then you'll have to SUE ME, 'cos you ain't getting so much as a brass button out of me, & I want my £11.98 back", & "I don't care if you are going to close my account (it'll save me a job), 'cos if you hadn't have dragged it out, into a very long process in the first place, by putting all sorts of barriers in the way of ME wanting to close the damned account myself, then it would NOT have got back to this stage for the 2nd time". ooooooooooh it makes my blood boil, they are such F***ing idiots.

tilly, there's a very big chance that I'm gonna get that "dreaded" chainsaw out again, hehehe, & I promise I'll be careful to make sure I chop 'em all up.

[ja-de]

This damned stay business is just going too far now, its OK for the banks to stop paying us out, but they still expect us to pay them; so as usual its the little fella who gets stomped on. There doesn't seem to be any justice at the moment. We seem to take one step forward, & 3 steps back. Looks like there could be more than the 2 of us with the chainsaws,

[ja-de]

You could try that, & hope they don't cotton on, but knowing them they'll know. Barclay's have been refused a stay, so you never know!! I hope everything goes OK for you though, 'cos there's nothing more annoying than banks ignoring you, no matter how much you plead with them. lol

Is the £35 for court fees????

[ja-de]

I actually put it on my PoC & claim form, as there is a part in your claim form where you actually add it to all the money that you are claiming. It isn't returnable from the court. Everyone who goes to court & wins their case, can have all court costs & anything else, paid by the defendants, it is the defendants who pay all court costs & everything that is owed to you.

I hope I have managed to explain this clear enough for you.

[ja-de]

You're very welcome stonedecroze, & thank you for the click.

[ja-de]

Update, went to halibuts yesterday - in an attempt for the 5th time - to close the account, but as usual they wouldn't let me. All they could say to me was "you cannot close this account as its £66.02 in default", so I just snapped & demanded that she gave me the card back, & crossed the road & went into Abbey & asked if there was somebody that I could speak to urgently, & as luck would have it Margaret was able to help me. I gave her the letter telling me that I was in breach & that I must pay £66.02 by the 23 August or have legal proceedings taken against me, or they'll instruct a debt collection agency to recover any amount I owe them.

Now this is where I'm a bit puzzled, I had £11.98 in the account, which they took out, so does that not mean that its £62.02 left owing. Anyhow Margaret said that not to worry, & she came back & we got into the queue & she had arranged for me to go back to halibats with the £66.02. So, they (Abbey) were true to their word. I went back to halibats, & while I was in the queue a girl was asking if they just wanted to pay money in, & would they like to use the machine, she didn't ask me (I think she could see that I was in no mood for machines), anyhow it got to my turn & the lad sorted it out for me to sack 'em, & would you believe; he asked me if there was anything else I would like him to help me with, I just turned round & said "No, I've now managed to do what I have been trying to do for a month & I only want to get out of this place". I think it was full of managers yesterday as well.

So, this saga is now over I hope, & that this does not happen to anyone else.

[ja-de]

You'remoney

[ja-de]

money

[ja-de]

Filed defence, is that the same as acknowledgement of service???

[ja-de]

Off to my bed now, nite nite. xxx

[ja-de]

No this not Halibuts, is legal eagles. next step Court.

 

I hope it doesn't get that far, & you get your money sooner rather than later stonedecroze!!

 

 

Hi Ja-De.

 

You must be over the moon now that this has been eventually sorte.

I know they were a thorn in your side and now they have been well and truly ****ked. Plucked I meant plucked. LOL;)

 

Yes, I must admit that I am, but it should never have got as far as it did, if halibuts had given folk a chance, no-one would be in this predicament, but unfortunately for us poor peeps, the banks are getting stinking rich, lol. But we must all stick together & get back what's rightly ours.

I know exactly what you meant overflow!! hehehe