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TLB V's Halifax Visa "WON"


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Just recieved letter from Halifax acknowleding sar for my credit card account.

 

"We assume your request is to enable you to reconcile your bank charges and feel we should make you aware of our current policy on handling complaints from customers about bank charges.

We believe our charges are fair, transparent and lawful. However, the bank (along with a number of other banks) has nowbecome involved in legal proceedings with the OFT in relation to bank charges which we believe will resolve the legal issues regarding the fairness and legaliy of your bank charges.

Until the determination of the legal issues in the above proceedings, we have asked the FSA to suspend the normal timetable for dealing with bank charges complaints, and the FSA has agreed to this request subject to conditions that protect our rights."

 

It goes on but this account is a credit card not a bank account. Has anyone else received this letter for card accounts?

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Hi and welcome

 

Some have received this. It is a deliberate delay tactic and designed to put you off the scent. As you know, credit card charges are not included in the FSA waiver conditions.

Write back politely telling them they are wrong, the OFT test case is about bank current account charges, solely, keep a copy of your letter for later. It does not cover charges on loans, mortgages or credit cards.

 

The SAR covers your full history with them, including microfiche details and any CCAs, which there will be. They have to provide these. You can refer this to the FOS if they refuse to pay 100% of the charges.

 

Good luck, they are trying it on.:)

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  • 3 weeks later...

Im not sure which you have used, but this is a good one..

 

iCalculate

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Go to our Cag Toolbar Download page here

 

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Thanks SSL, I need a calculator suitable for credit cards that will work out the APR that they have charged me, I think it is 18% for my halifax card.

I used the one from the library (i think it was meant just for bank accounts). I have tried a few more and am getting a lower figure than I put with my prelim and LBA. I am a bit concerned now that they will just say your sums are wrong - go away!!

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Good to see your on top of it. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...
  • 1 month later...

Thats brilliant..!! Lets hope you dont have to wait long.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 4 weeks later...

Congratulations.gif

 

Well done, im sorry i hadnt notice your last post. Im so pleased for you. :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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