halifax credit card

shabana

i recently looked at husband statment and noticed he is paying for a repayment cover fee of £13 each month. he has no idea about it.

he has had the card for few years. we actually have the money and are paying the card off this month.

i wanted to know can he reclaim the repayment and late fees back. he doesnt know how long he has been paying that for.

di3004

shabana wrote: »

i recently looked at husband statment and noticed he is paying for a repayment cover fee of £13 each month. he has no idea about it.

he has had the card for few years. we actually have the money and are paying the card off this month.

i wanted to know can he reclaim the repayment and late fees back. he doesnt know how long he has been paying that for.

Hi there

I would ask for the policy booklet details if your husband does not have these to find out what the cover entails.

However, I assume like any other policy if mis sold or added without knowledge your in your right to make a reclaim on this.

For more on reclaiming such as PPI here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

It could come under charges section, so it may be worth finding out more on the other thread, called reclaiming bank and card charges etc here:
http://forums.moneysavingexpert.com/forumdisplay.php?f=102

Hope this helps.;)

shabana

i hubby spoke to to Halifax customer service told them he might be applying to get his repayment cover, and chatges on his card refunded. he was also told that if he didnt take the cover the card may not even have been given to him.

should i send the letter requesting to claim the repayment cover since 2004. he also wants to claim the late paymment fees can we apply for both in one letter.

shabana

i have sent the template letters requesting the agreement and statments for credit card. when i do the claim do i work ou =t the amount need to be refunded myself.

i get the feeling i wount get anything back.

di3004

shabana wrote: »

i hubby spoke to to Halifax customer service told them he might be applying to get his repayment cover, and chatges on his card refunded. he was also told that if he didnt take the cover the card may not even have been given to him.

should i send the letter requesting to claim the repayment cover since 2004. he also wants to claim the late paymment fees can we apply for both in one letter.

Hi there

Just came across this thread now.

I see you have made a start well done.;)

I would keep the ppi reclaiming side of it separate to that of the charges etc.
There is more on this matter here:
http://forums.moneysavingexpert.com/forumdisplay.php?f=102

You can ask them for a detailed written breakdown, they should send these on request.
Good luck and keep at them.;)


oops, sorry, I even missed my own posts above and given the details lol, silly me, good luck anyway. X

shabana

received a letter from halifax saying they are unable to provide me the agreement. However, they have sent me the ppi amounts which my husband has been paying sinec he opened his account. They did not send me amount for the charges that have been applied to the account.what do i do next?

di3004

shabana wrote: »

received a letter from halifax saying they are unable to provide me the agreement. However, they have sent me the ppi amounts which my husband has been paying sinec he opened his account. They did not send me amount for the charges that have been applied to the account.what do i do next?

Hi there

You can still continue to make a reclaim even if you don't have the agreement, I'm sure when it comes to working out the refund they will deal with this.

Did you request for your details under a SAR request?
https://forums.moneysavingexpert.com/discussion/1475553
This is the one you enclose £10 cheque or postal order and they have 40 calendar days to comply.

And in regards of the agreement request, if the account is still active I understand that they should still hold this on data, did you enclose a £1 cheque/postal order for this request?
This one they have 12-14 days to comply (for the agreement alone).

Otherwise the SAR they send all the details they still hold on the account with the given payment, this is under the Data protection act (DPA).

If you want to continue to make a reclaim on the ppi with your reasons, you can do so by completing the FOS questionnaire, this is instead of the first reclaiming template letter, complete and send to whoever is responsible for setting the policy up, keep a copy as well, they have 8 weeks to give a decision, but they may ask for more time, this is fine just as long as you know where you are.

You will find the FOS questionnaire on the link below further down the page, as stage one (not to get this confused with the FOS complaints form).
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Try to get proof of posting at your post office as well, good luck and hope this helps.;)

-SDW-

when you claim your late charges back from halifax/bos dont accept the first offer, i put in a claim for £1600 they offered £480 which i refused and they upped it to £1400 odd.. this was for six years charges..some were for £25 before 2006 and the rest were for £12 after .. they offered the difference of £13 for the pre 2006 and nowt for after..after a 1 phone call they upped it to nearly the full ammount :beer:

di3004

-SDW- wrote: »

when you claim your late charges back from halifax/bos dont accept the first offer, i put in a claim for £1600 they offered £480 which i refused and they upped it to £1400 odd.. this was for six years charges..some were for £25 before 2006 and the rest were for £12 after .. they offered the difference of £13 for the pre 2006 and nowt for after..after a 1 phone call they upped it to nearly the full ammount :beer:

Well done to you SDW, great work!:beer:

shabana

i recived the charges for halifax account today. the late fees have been applied at £12, can i claim that back. I am trying to work at what are the charges i claim back. from his account he has had late charges and over the limit charges,thats all. what else shall i look for.

i have also filled in the questionaire for the ppi.

di3004

shabana wrote: »

i recived the charges for halifax account today. the late fees have been applied at £12, can i claim that back. I am trying to work at what are the charges i claim back. from his account he has had late charges and over the limit charges,thats all. what else shall i look for.

i have also filled in the questionaire for the ppi.

Hi there

First of all good luck on the reclaiming of the ppi.

And you are also entitled to make a reclaim on the charges side of it, but it may be a good idea to post on the reclaiming charges thread on this actual matter.
http://forums.moneysavingexpert.com/forumdisplay.php?f=102

Keep them separate.
Fingers crossed.;)