Jump to content


***Have you received a letter from Halifax***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5024 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

It seems our friends at Halifax have been sending all claimants a letter. This includes:

 

All cases will have an applicatation made to the court for a stay until the result of the case is revealed. This is what the OFT will expressively agree to.

If you have received an interim payment you need to let them know whether you agree or disagree with that amount.

Your case will be placed on file and dealt with once the outcome is known and they will contact you.

 

Please please do not do anything (agree or disagree) with the amount until we have seen a full copy of the letter and investigate what you are agreeing (or not as the case may be) to.

 

If anyone has the full copy please copy it onto here.

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

Link to post
Share on other sites

I have received one today and will try to scan tomorrow. Can you PM a fax number please in case I can't work out how to post a scan.

 

The letter does however, have a third option, although it does not call it that. It says if they do not hear from you within 2 months, they will assume you have rejected the offer.

 

It also says that claimants in Scotland can continue to make claims to FOS, believe it or not. (I assume they are wrong in this??!!).

 

They make no reference to hardship cases.

 

They say there are no more charges which I can reclaim. (That is a falsehood. There are charges in my banking history with them which I have still to claim.

 

They make reference to 5 years of recharge claims, when they have currently paid 6 years worth.

 

They are not putting themselves in a favourable position, once this misinformation is presented:o .

  • Haha 1

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Good work Lynn and MacBoy & Tilly!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites
There is only one page of the letter showing on the link, will have to edit link if Macboy can work his magic!:D

 

Lynn

 

Lynn,

on page 2 of your letter, does it mention that people in Scotland can continue to pursue their complaint with FOS.

(I do have a feeling they are incorrect to say that! So noone depend on it just now)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Thanks Lynn

 

Yours was from the Halifax though?

 

Mine is from BoS............

 

Plus, they know I'm somewhere up north. Perhaps that explains it.

 

left hand and right hand.

 

There are obviously different versions within HBOS. Again, demonstrates consistency in approach- not!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Mine letter which I received from Halifax dated2nd August is exactly the same as that letter word for word, including reply by 5th October. They have until 11th Aug to pay money into my account or I file judgement. So what next? Do we just ignore the letter or reply rejecting offer?

28-05-2007--Received Schedule of Charges.

03-06-2007--Prelim sent.

12-06-2007--Reply - Thanks but charges lawful!

19-06-2007--Sent L.B.A. & Schedule of Charges

NOTHING RECEIVED AFTER 14 DAYS

05-07-2007--Phoned Halifax to discuss account. Still standing by charges.

13-07-2007--Filed N1 in Hull Court :wink:

20-07-2007--Halifax deemed served.

25-07-2007--Received offer £280 as Full and Final settlement.

27-07-2007--Sent rejection letter recorded delivery

03-08-2007--Rang Hull Court, nothing received from Halifax

04-08-2007--Sent Pre Judgement letter.

10-08-2007--Defence received from Halifax

13-08-2007--Judgement Request sent

24-08-2007--Claim stayed at Hull Court

31-08-2007--Applied for stay to be lifted

12-10-2007--Hearing for removal of stay on 31/10

31-10-2007--Removal of Stay struck out

Link to post
Share on other sites

Kelvin I think everyone will have recieved the same leter just cut and pasted with your personal details (manual intervention at its best :rolleyes: )

 

I have not had feedback on the contents as yet, however you can always accept an amount in partial settlement. They cannot tell you that this is your lot and you wont get any more because if the court states they are unfair, they are ALL unfair and ALL charges will be returned or they will not be complying with the courts decisions.

 

I would suggest something like this:

 

Dear Sir Madam

In response to your letter dated XX/XX/XXXX i am accepting the amount in part settlement. I will then await the resolution of the test case and on that decision will decide whether I am able to claim the remainder.

 

I am aware the FOS has stated you do not have to settle any claim before the hearing and result, however I must also remind you it will be the courts decison on whether I am able to claim the amount outstanding from this claim. If you decide from this letter not to pay the "goodwill gesture" then let me remind you the whole amount will continue to increase on a daily basis following the County Court Act 8%.

 

Yours sincerely

 

Mr and Mrs Blah Blah

 

Kelvin if you have till 11th to recieve payment or judgment will be made then I think the chances are you may get the money. It will depend on how they are feeling.

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

Link to post
Share on other sites

well i not heard a dickie bird from halifax since i got my letter with charges on lol ,, sent them LBA ,, nothing i have now filed N1 to court they have til 13th to aknowledge ,, 6 days ,, and i still not heard ,,

 

good luck Kelvin :)

Link to post
Share on other sites

I have filed mine with MCOL and the Halifax have acknowledged the claim. They now have until the 11th August (28 day deadline) to respond with a defence. So far, I have heard nothing.

 

I am curious though. I know this pending court case with the bank charges is looming, but it is regarding overdraft charges or just bank charges as a whole, because none of charges are to do with an overdraft because Halifax won't let me have one, even though I have a substantial amount of money going in every month (myself and my other half wages combined).

Abbey - £539 pending - !!!WON!!!

Halifax - £676 pending - stayed at court

2nd Claim with Halifax - £168 pending

Lloyds TSB - £780 (sisters) !!!WON!!! - Filed waste of costs order (on hold)

Barclays - Barclays filed crap defense - on hold

 

AND THE BANKS ARE STILL CHARGING!!!!!!!

 

How very dare you!!

Link to post
Share on other sites

I would imagine you will receive an applicaton for a stay on behalf of the bank. this is likely to be accepted but dont let it stop you.

The case is regarding charges as a whole not just on overdrafts.

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

Link to post
Share on other sites
Kelvin I think everyone will have recieved the same leter just cut and pasted with your personal details (manual intervention at its best :rolleyes: )

 

 

Hi Mrs Foot

 

As I mentioned earlier, there are at least 2 versions.

I have one which is different from Lynns. Mine is from BoS, Lynns is from Halifax.

Whilst the main elements are the same ie to complete a form, not complete it or do nothing, mine has the added comment that as I live in Scotland, I can continue my claim with the FOS. I must admit however, that I think BoS are wrong in what they are telling me.

 

Comments?

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites
Hi Mrs Foot

 

As I mentioned earlier, there are at least 2 versions.

I have one which is different from Lynns. Mine is from BoS, Lynns is from Halifax.

Whilst the main elements are the same ie to complete a form, not complete it or do nothing, mine has the added comment that as I live in Scotland, I can continue my claim with the FOS. I must admit however, that I think BoS are wrong in what they are telling me.

 

Comments?

My letter says that I can go to the FOS but they will not determine the complaint until the test case is concluded.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

Stornoway- hi, how are you? Well I hope!

 

Mine says (and it is from BoS, not Halifax, I live in Scotland.)

 

"The FSA requires us to ensure that any bank charge complaint will not be adversely affected by the delay in dealing with it. For customers for whom Scotland id the most likely jurisdiction, your right to refer your complaint to the Financial Ombudsman Service will not be affected. The FOS provides a convenient alternative to the courts and is free for consumers. However, if you nonetheless wish to continue your claim through the courts in Scotland, you may wish to seek advice on making a claim now to protect your rights in prescription although you will have to pay a fee"

 

Anyone else got this. Are they inviting me to go to FOS?

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

The letter from the Halifax is word for word the same as the one they've sent out from Nationwide. There's a copy of it on the Nationwide thread.

What a coinidence that all the banks, by the looks of it ,are sending out the same letter :???:

Link to post
Share on other sites
Stornoway- hi, how are you? Well I hope!

 

Mine says (and it is from BoS, not Halifax, I live in Scotland.)

 

"The FSA requires us to ensure that any bank charge complaint will not be adversely affected by the delay in dealing with it. For customers for whom Scotland id the most likely jurisdiction, your right to refer your complaint to the Financial Ombudsman Service will not be affected. The FOS provides a convenient alternative to the courts and is free for consumers. However, if you nonetheless wish to continue your claim through the courts in Scotland, you may wish to seek advice on making a claim now to protect your rights in prescription although you will have to pay a fee"

 

Anyone else got this. Are they inviting me to go to FOS?

I'm well Kenny but disappointed to see the Gers result tonite.

 

I'm in Scotland but letter is lightly different as below. If I were you then I'd be very interested in the FOS route. Personally, I lodged mine with the FOS 2 weeks before the test case was announced so it will be interesting to see how it pans out.

"The FSA requires us to ensure that any bank charge complaint will not be adversely affected by the delay in dealing with it. Customers for whom Scotland is the most likely jurisdiction, should be aware of the following;

- you may choose to take your complaint to the FOS or the courts in Scotland

- your right to refer your complaint to the Financial Ombudsman Service will not be affected. The FOS provides a convenient alternative to the courts and is free for consumers. However, as already explained the FOS has at our request decided not to determine these cases for the time being until the test case is resolved

- However if you nonetheless wish to continue your claim through the courts in Scotland, you may wish to seek advice on making a claim now to protect your rights in prescription although you will have to pay a fee. You should be aware that if you do this the bank will immediately apply to the court to have put the case put on hold"

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

There does then appear to be a difference.

I will try to post mine tomorrow. Thanks Stornoway!:D

 

(Yes, I'm a footie fan too!!!):o

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Has anyone seen this

 

(14) if the firm attempts to resolve a relevant charges complaint after the date of this direction (other than those described in condition 12(4)):

 

(a) the firm must not seek agreement from the complainant that the resolution is in full and final settlement of the matter;

 

(b) in relation to such complaints, if the outcome of the test case produces a result that is more favourable to the complainant, the firm must take all reasonable steps to pay any difference in the amount of compensation actually received by the complainant and that that the complainant would have been entitled if his claim has not been settled by the firm then; and

 

© the firm must explain the implications of its approach and commitment;

 

www.twoyou.co.uk/upload/direction_disp.pdf

The Waiver is an FSA Conspiracy with the banks against the consumer - Complain to your MP and the FSA about their shameful act!

Link to post
Share on other sites

Duplicate post - sorry

The Waiver is an FSA Conspiracy with the banks against the consumer - Complain to your MP and the FSA about their shameful act!

Link to post
Share on other sites

Very well spotted Kog- well done.:D

 

I suggest eveybody has a look through this.

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Thats strange. Can't access it now, after seeing it earlier??:eek::???:

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Sorry kenny PC is playing up - try it now

The Waiver is an FSA Conspiracy with the banks against the consumer - Complain to your MP and the FSA about their shameful act!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...