halifax bank charges (merged)

Maximillion

The halifax took over £1800 pounds from me in charges in just 12 months.

During the process of trying to claim back the money they sent a series of letters making offers (each one getting sightly larger) Of course they always want you to sign a form to say that you will accept the offer in full and final settlement.
The general consensus seems to be in order to mitigate your losses you should "happily accept" the offer however state that it is not in final settlement and that you will still be persuing the rest of your claim.

At the top of this page under The Reclaim Bank Charges Recource Bar are links to letters here on MSE you could simply send the second letter or a variation on the first. You'll definitely find a letter on the consumer action group website.

Good luck

Maximillion

shazzar wrote:

Hi,

Can any one help me, how long does the Halifax take to pay out after they have sent you a letter offering you a sum, i sent the letter of acceptance back to them on Wednesday this week. Searched other threads can't find one that relates to my question. Their letter of offer came after i sent them a letter telling them that i would take them to court.



thanks

shazzar

Hi Shazzer,

If I remember correctly I returned one of their forms accepting the offer and the money was in my account within five days - however it may come quicker for you as I neglected to use the prepaid envelope provided which probably goes straight to the correct department.

Rex_Mundi

Melly31 wrote:

Can anyone point me in the right direction of the 'thanks but no thanks' rejection letter please?
I don't want to word it myself as i'll find it difficult to not be rude, so i'd rather send a standard letter ;-)

Follow the next step as set out in Martins article. Use the next template letter he has provided, and insert this as the first paragraph...........

I’m afraid I cannot accept your offer of £31.22 as full and final settlement of my claim. I would accept this amount as a part payment and without prejudice, but I will continue the claim for the balance.

shazzar

firstcrowcounter wrote:

Hi Shazzer,

If I remember correctly I returned one of their forms accepting the offer and the money was in my account within five days - however it may come quicker for you as I neglected to use the prepaid envelope provided which probably goes straight to the correct department.

Thanks for getting back to me,

After reading your thread it dawned on me that in my moment of excitement when their offer letter came i just signed it and sent it back to them, and i remember it did say something about final settlement they have since charged me as i cannot catch up till they put the money back in my account to get me back on track, Does it mean now i cannot claim any future charges from them.

Shazzar

legoman

i have added the charges up and they have come to £747.50. now, with interest its £1069.89. should i add the interest onto my request or not?

also, i really need advice here. there are bits on my statement as follows....

DR CHARGE
RECALL S/O-D/D 30.00

can i claim these too? please help guys!

many thanks..

carrielouise80

hi there,

i am presuming S/O AND D/D means standing order and direct debit returns, so yes these can be claimed back.

If you see the front page of this forum Martin as left an audio message regarding adding interest on to claims, which basically says you can add the interest on the first letter, but you are not duty bound to receive the interest unless it goes to court. I have added the interest on with the 1st letters on my claims, but it really is down to personal preference...

Good luck

rob38

Hi after reading information on this site i hunted down my statments whitch we have kept from 2000. After two days of sorting we have discoverd that they have taken £12408.00 from year 2000 some of the charges were £39.00 for a direct debit of £2.50 failing to go out. I intend to go all the way.

Tinwe

rob38 wrote:

Hi after reading information on this site i hunted down my statments whitch we have kept from 2000. After two days of sorting we have discoverd that they have taken £12408.00 from year 2000 some of the charges were £39.00 for a direct debit of £2.50 failing to go out. I intend to go all the way.

I know what you mean Rob... they cleared a £60 cheque which took me just over my limit (I'd written it from the wrong account) , then over the same day and the next bounced 5 direct debits! Most of those direct debits were under £10.00 and one was £3.00 - all together they were less than the cheque. I incurred a bill of £108.00, where they could've bounced just the one cheque - sneaky! :mad:

Tinwe

By the way... I've been filling in the breakdown of charges spread sheet and I've no idea what some of the charges were for 3 or 4 years ago. It's not really clear from my statements and I have no record of the rates of charges back then. Can any one help?

£30.00 in 2002
£20.00 in 2003

Many thanks (again)

Tinwe

Maximillion

shazzar wrote:

Thanks for getting back to me,

After reading your thread it dawned on me that in my moment of excitement when their offer letter came i just signed it and sent it back to them, and i remember it did say something about final settlement they have since charged me as i cannot catch up till they put the money back in my account to get me back on track, Does it mean now i cannot claim any future charges from them.

Shazzar

Hi,

this is just my assumption so please check first!

When I went about claiming my charges back it was for a specific period of time. I was claiming for almost two thousand pounds charged over twelve months, I got to the stage when they offered half the money back, I was that financially desperate I accepted. however, as far as I'm concerned that claim was for the period stated within the letters of correspondence and the "refund" was only for the time period within the dates specified. Therefore I have every intention of making a fresh claim for the charges I recieved outwith that time period.

In short (again this is my assumption) I don't think because you reach an aggreement (or accept payment) for one claim/period of time, that you then lose your right for any other claim.

hope this helps, FCC