halifax bank charges (merged)

louloujs

Dusary wrote: »

that's good to hear.

Hope that I am so lucky!

(They didn't threaten to close your account did they?)

Sorry for delay - been on the HSBC thread as they're next to get bashed...

No they didn't threaten to close my account but their 'settlement' letter sugggested I ought to behave myself with regard to transactions on my account...

Degs45

grimreaper wrote: »

You need to look into this you have paid 2 x 10 pounds if your date of letter has gone past the 40 days look at the other posts it states you resend a letter giving them 7 days to reply with charges it also has a commisioner bit on the end of letter thats the letter you need:money:

The cheques were cashed on the 21st Feb the letters were sent on the 10th Feb ...so still a while to wait I think ...Just checked the tracking number and it was delivered and signed for on the 12th thank you Royal Mail ...so 40 days from there ...worst thing is Im goin into Hospital for a week on the 26th of March so I need something to do before then ...

illngolly

Hi everyone, am new to this so apologies if i'm in the wrong place!
Sent my statement request on 7th March to Halifax.
Same to Capital One.
Can I do the same for Grattan just received a statement from them with £24 charges!
If so do I have to pay for the statements?
Great site by the way!

brumfanatic

Finished MCOL form today and paid the £120.
My Story so far:-
9th Jan Requested Statements
29th Jan Letter received saying will be with us in 10 working Days
19th Feb Received Statements (Should have been with us on the 12th going by previous letter)
19th Feb Added up charges sent letter by recorded delivery giving 14 days to pay me back otherwise going to court
27th Feb Received Letter saying they would deal with my case in the 4-8 weeks as set out by their Regulator and said they received the letter on the 23rd Feb
28th Feb Wrote letter to say if it wasn’t dealt with by the 9th March I would be taking the Legal route (recorded delivery was signed on 22nd Feb!!!)
8th March Phoned up to see if they were willing to discuss my claim. They said they would be sticking to their 4-8 weeks.
9th March MCOL filled out

p.s. My mate started his claim at the same time as mine with First Direct. He has had his charges back already.

catalonia13

brumfanatic wrote: »

Finished MCOL form today
.

Why £120..., I thought I'd read somewhere that it was £20?!
Linda

catalonia13

Ignore my last message! I've just read the info on the MCOL site - from £30 - £120,
Linda

ravvy101

Hey guys, hoping you could offer some advice

I contacted my bank and got the statements (the charges added up to over £1300), I sent a letter requesting them back and giving them 14 days until I file in the small claims court

I got a standard response with a complaints leaflet saying they would look into it and it would take 4 weeks

At this point I waited until the 14 days were up and then filed with moneyclaim online - not realising I should have sent a reply letter saying I would take them to court again as mentioned in the guide

Am I going to be screwed now because I forgot this?

They have not responded to the moneyclaim online yet and they have until the 14th March to do this, but I'm worried even if it goes through I have no chance as I didnt send the other letter

Does the 14 days I gave them count as enough time for the issue to be resolved before court action?

Thanks in advance for any help you can give

-Jay

ravvy101

catalonia13 wrote: »

Ignore my last message! I've just read the info on the MCOL site - from £30 - £120,
Linda

Yeah I thought it would scale so only if you were claiming £5000 would it be £120 but that doesn't seem to be the case (I had to pay £120 on trying to claim £1300)

garylyon

I got my first response in 7 days

as Follows

Thank you for your recent complaint

We are sorry to learn that you are unhappy with the charges debited to you bank account. Please note the complaint handling rules set by our regualtor the FSA gives us up to 8 weeks to investigate and respond to complaints.


Well I wasnt complaining I was asking for the "illigal" charges to be returned so I suppose its second letter time

brumfanatic

ravvy101 wrote: »

Hey guys, hoping you could offer some advice

I contacted my bank and got the statements (the charges added up to over £1300), I sent a letter requesting them back and giving them 14 days until I file in the small claims court

I got a standard response with a complaints leaflet saying they would look into it and it would take 4 weeks

At this point I waited until the 14 days were up and then filed with moneyclaim online - not realising I should have sent a reply letter saying I would take them to court again as mentioned in the guide

Am I going to be screwed now because I forgot this?

They have not responded to the moneyclaim online yet and they have until the 14th March to do this, but I'm worried even if it goes through I have no chance as I didnt send the other letter

Does the 14 days I gave them count as enough time for the issue to be resolved before court action?

Thanks in advance for any help you can give

-Jay

My original letter said I would give them 14 days until I took them to court. Unfortunately they didn`t want to resolve it in that timescale so I took them to court. I actually thought why should I give them another 7 days my mates bank has been efficient and they are teying to drag their heels. Don`t worry they may just act a bit quicker now.