halifax bank charges (merged)

karen1967_2

UNDERGROUND wrote: »

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

thanks very much for your help.. I'm dreading D Day on Tuesday..lol. but I will keep on with it..

regards
karen

nicky1312

im chasing bank of scotland
for £1444 + court and sheriff officers fees i received a letter on saturday 17th march saying as a goodwill gesture they have offered me £420. i am going to phone this morning to tell them im not taking that amount i have also paid out £39 to the court and £26 to the sheriff officers so i do want my fees back can any one tell me what to do if they offer me all plus fees do i accept or push for the interest too now that i have put court papers in thanx for any help
good luck to everyone

Edinburghlass_2

Don't accept anything unless it includes court fees and the interest and tell them you are going ahead with your court action.

Jessie_M

Hi All,

Just to update you and get a bit of advice, I have received the letter off the halifax asking to give them 8 weeks to investigate my complaint, The 14 day period is up on March 30th should I still go ahead and sent the letter about taking them to court now or when the time scale is up.

denim.demon

savvysass wrote: »

Hi

After reading with interest I requested my statements from Halifax, got them no trouble and worked out they owed me £950 so I have sent them the letter requesting my charges back.

Received a letter yesterday informing me that they are pulling my overdraft (£1000) due to my account conduct!!!!!!!

Spoke to a very unhelpful chap who told me there was nothing he could do about it, I made it known that they have done it because I have requested my charges back and because I am on Incap benefit I will only be able to pay the overdraft back in small installments.

What a lovely bunch these are, needless to say I am now trying to open a new account and have cancelled all monies going in and out from that account, tho this is proving difficult as I do have some adverse history, I am waiting for the co op to get back to me.

Just one other point I sent the letter to them above a week ago recorded delivery but it is still not showing as delivered on royal mail, any advice?

:beer:

Sorry about being off topic......

I'd immediatley make a complaint to the bank about them pulling your overdraft so quicky, especially if they are being unreasonable about setting up a repayment plan. If they do nothing about it which I suspect they will take them to the banking onbudsman.

They pulled the overdraft on my bill payment account a year and a half ago due to the conduct of my account, and as a result I now have a default on my credit record. I was told then that i had six months to pay off the overdraft before they sold the debt to a debt collection agency. When I told them that i could not pay off the overdraft within six months, they told me that the best thing to do was to not make any payments to the account till the debt collection agency contacted me, fantastic advice I am sure you will agree.

Anyway keep at them with the reclaiming of charges and good luck.....

bonniebeth

hi there, newbie here but have been following with interest.

I too received a letter telling me that the HBOS had 8 weeks to respond to my complaint letter and they would be in touch within that time.

I stuck with my plan to allow them the 2 weeks to respond and heard nothing and issued the letter saying send me my money within 7 days or go to court. I received another letter just over 7 days later telling me that as per their previous correspondence they have until 12th April to reply to me.

Do I wait til 12th April or do I start the court proceedings? I am desperate for the money they owe me and I am getting further and further into debt as the days pass. With a small child to support and all money being swallowed by charges is making for an unhappy life.

Words of wisdom please?

GirlRacer_2

I had the same letter off Halifax on approx 4th March. Had another letter last Thursday offering me the money back so hopefully you'll get an offer before or around about the 30th.

dogman_uk

Jenbob2407 wrote: »

Hi,

This is the first time I have posted a question on a forum. I have received bank charges and am at a loss as to what to do next as I just can't afford them. I have had 5 separate charges (3 in end of Oct and 2 in beg of Nov) for using my debit card, not knowing I was at my overdraft limit. Therefore, the bank have charged me on all these occasions as well as charging me a further £28 for going over my over draft limit (due to the charges by the bank).

The charges are £30 each, making a total of £178 of charges from Halifax bank. I wrote them a letter saying that I believe these charges are not fair and unlawful and that believe I should have a credit for them. However, I have just had a letter back from them saying that they feel the charges are right and they can't give me a breakdown on the charges. Also they state ' hopefully we can resolve your concerns, or if we are unable to do so then we'll provide you with details of how you can contact the Financial Omburdsman Service for help.'

I am really at a loss as to what to do next, shall I write them a further letter. I am a little scared that it will end up costing me more money to get this back which I just can't afford.

Any help with this would be greatly appreciated and am open to any suggestions.

Please help

Thanks

i had the same problem with this bank asked them nicely on the phone to explain the charges they could,nt.
got no joy so i wrote them asking for my charges to be returned but they said i had signed an agreement when i opened the account with them,
i then paid ten pounds for the last six years of statements,
to wich arrived 5 days later i then wrote them askeing for my money to be returned to my account no joy.
the ammount they had taken from me was six thousand five hundred and fifty pounds.
i went to the small claims court and paid £250 court fee.
within five days i had been offered £1450 my wife said accept it,
i said forget it becaues if they have offered that then they have admitted
they are wrong to days later i got a letter saying the whole ammount plus court costs would be in my account within five working days it was already in my account that day, i must stress that i had forgot to claim 8% per anum interest to which you are entitled to,
the letter i sent them was from martins tenplate section,
dont back down did you give the bank the right to pilfer your account when they feel like it.
i am takeing them to court again because after chatting to them about getting things right with my account,
they done it again. hope this helps dont give up

Degs45

Afternoon all , just had a call from HBOS telling me the statements I ordered for my 2 accounts will be with me by close of business on the 24th Feb ... its goin to be a busy weekend the 40 days is up the day before too ...:beer:

esmerellda

Jessie_M wrote: »

Hi All,

Just to update you and get a bit of advice, I have received the letter off the halifax asking to give them 8 weeks to investigate my complaint, The 14 day period is up on March 30th should I still go ahead and sent the letter about taking them to court now or when the time scale is up.

NOW !