Success with HALIFAX today but one question?

Tam89

Is it worth ringing them instead of going through the whole process of writing a letter.

I just got sacked from my job on Friday. && All of my wages has gone because of these bank charges because I have gone over my overdraft without realising could really do with getting the money back asap as I have got my driving test next week and need the money for driving lessons.

I have really messed up god dammit

thriftymomma

Tam89 wrote: »

Is it worth ringing them instead of going through the whole process of writing a letter.

I just got sacked from my job on Friday. && All of my wages has gone because of these bank charges because I have gone over my overdraft without realising could really do with getting the money back asap as I have got my driving test next week and need the money for driving lessons.

I have really messed up god dammit

I got all my CC charges back plus interest just with 2 phonecalls, didn't send a single letter.
Always worth giving them a ring before you put pen to paper in my experience. Good luck x

catmiaow

I thought that but ringing has been getting me nowhere and i am in genuine hardship, which not every1 is. I am SO fed up with Halifax!

Sarah_08

Hi,

can you tell me when you sent off your first letter did you send off copies of statements or just the list of calculated charges?

thanks

stevenm37

Ive just been charged £98 by HBOS. I called but as I have had a charge refunded in the past they would not reverse these new charges. Is there any point in complaining or is it a waste of time? I have been charged over £500 since I began banking with them. I'm waiting and hoping for a positive outcome from the FSA but I want to act now!

jaymoe

Thriftymomma,

Please share with the rest of the group how you managed this with just 2 phone calls. I'd love to get my charges back what with Christmas coming so any help would be fantastic.
Was bank was it with (if you don't mind me asking)

thriftymomma

jaymoe wrote: »

Thriftymomma,

Please share with the rest of the group how you managed this with just 2 phone calls. I'd love to get my charges back what with Christmas coming so any help would be fantastic.
Was bank was it with (if you don't mind me asking)

No probs. It was Halifax CC.
I just phoned the customer relations number(which you can find on a thread started by harriet's mum) and asked them for a list of charges. They said ok and sent them out. Then I phoned and said could I please reclaim said charges over the phone. Lady said ok, will set things in motion and are you reclaiming the full amount. I said yes.
After hanging up , I worried about the fact no mention had been made of interest as the phonecall went so quickly and easily I was a bit stunned so forgot to mention it. Anyway, I get a letter from Halifax a week later saying I could have half of it.
I then rang the customer relations number and said please could I have more than what you are offering. So sorry that is three phonecalls.
aNYWAY, she said, well I haven't got the power to authorise that but will escalate the claim and pass you to the complaints dept.
Within a week, I had a letter saying sorry you are not happy with the crap offer and without admission of liability, please find all charges and interest (btw totalling a little more than I had originally calculated) have been refunded to your account with immediate effect. IF YOU ARE NOT HAPPY YOU CAN GO TO THE OMBUDSMAN. lol.:T
hopped online to check, and indeed they had been reapplied to my account, reducing my balance beautifully and giving me renewed hope for the future!
I had actually typed the letters out each time, but just because I am a lazy mare thought, I'll just give them a call on the offchance, what's the worst they can say.
Saved me the cost of any stamps!
Anyway, that's my story. Good luck everyone.
Thanks MSE.:money:

catmiaow

When is my offer going to come from Halifax? :mad:

dec001

Hi,just received a letter saying first trust offer me a goodwill payment of £1250 half of what they say the disputed charges are,but in june 2007 in aletter they said the disputed charges were £4285 i have written a letter asking for an increase to half of this figure as an end to this,letter not posted yet,should i...not sure..???

thriftymomma

dec001 wrote: »

Hi,just received a letter saying first trust offer me a goodwill payment of £1250 half of what they say the disputed charges are,but in june 2007 in aletter they said the disputed charges were £4285 i have written a letter asking for an increase to half of this figure as an end to this,letter not posted yet,should i...not sure..???

I wouldn't specify a reduced amount. Tell them again you want the full lot with interest and you WILL go to the ombudsman if necessary. Good luck.