halifax bank charges (merged)

System

dami150 wrote: »

I'd be very grateful for some feedback on my earlier question please.

Thank you

You should most definitely stick you YOUR timescales.

Regards
UNDERGROUND

karen1967_2

I wonder if anyone knows also, I did bank with another bank a few years ago, dont have all the paperwork or account details anymore but do know that i had charges with them.. does anyone know how i should proceed in finding out the details that i need to request my statements from them.. dont know where to start..

System

karen1967 wrote: »

Hi all
Ive just got to the 14 days nearly up stage to filing court papers on halifax. I'm trying to claim back £1745.00 from them (including interest).. would I be correct in offering to reduce my interest fees down by 50%..? this may make them decide to offer me money before issuing court papers to them.. any help would be appreciated

Hi karen

It's entirely up to you if you wish to try and 'haggle' with them.

But I would suggest that seeing as though you've got to this stage they probably won't budge.

You can always try, but personally I would crack on with the next stage - that's just me though!!

Regards
UNDERGROUND

karen1967_2

I'm hoping that someone can help.
I banked a few years ago with another bank.. I dont have the details anymore of account numbers etc.. and dont know where to start in trying to get the statements from when i banked with them... can anyone help please?

nicky1312

hi all just a little update to let u all know got my court date for the 10th may against the bank of scotland, got a letter from them today offering me £420 as a good will gesture so will be phoning them on monday to decline it
as my claim is for £1444+bank charges now so fingers crossed

smallpiper

Webbo_C wrote: »

Having sent the Halifax my claim 12 days ago, I have just received a reply thanking me for my complaint and stating that the FSA allows them up to 8 wks to investigate and respond. I presume this is just another tactic??? will someone please confirm that this is the case and that I should now continue with court action.

Thank you in advance

I received an offer 14 days after that same reply, BUT follow your own timetable just in case
Have you sent your second letter threatening court action?

System

karen1967 wrote: »

I'm hoping that someone can help.
I banked a few years ago with another bank.. I dont have the details anymore of account numbers etc.. and dont know where to start in trying to get the statements from when i banked with them... can anyone help please?

I had the same situation with the Nationwide.

Write to the Data Protection address of the bank concerned stating as many details as possible, for example: your date of birth, what type of account it was, the last address the account was held at, the approximate date it was closed etc etc.

They should be able to track the account down.

Regards
UNDERGROUND

karen1967_2

UNDERGROUND wrote: »

Hi karen

It's entirely up to you if you wish to try and 'haggle' with them.

But I would suggest that seeing as though you've got to this stage they probably won't budge.

You can always try, but personally I would crack on with the next stage - that's just me though!!

Regards
UNDERGROUND

thanks underground for your reply, really appreciated.. Ive heard nothing from them, but did ring 08457 203040 today and spoke today to someone who seemed to be helpful.. she said that they would be responding within the 14 days.. am I right in thinking though that they are not responsible for paying the interest unless it goes to court?..

karen1967_2

UNDERGROUND wrote: »

I had the same situation with the Nationwide.

Write to the Data Protection address of the bank concerned stating as many details as possible, for example: your date of birth, what type of account it was, the last address the account was held at, the approximate date it was closed etc etc.

They should be able to track the account down.

Regards
UNDERGROUND

many thanks, I will try that.. this is a great site..

System

karen1967 wrote: »

thanks underground for your reply, really appreciated.. Ive heard nothing from them, but did ring 08457 203040 today and spoke today to someone who seemed to be helpful.. she said that they would be responding within the 14 days.. am I right in thinking though that they are not responsible for paying the interest unless it goes to court?..

Yes that's right. Interest is only payable once you reach the court stage. It is statutory interest which is awarded by the court.

UNDERGROUND