halifax bank charges (merged)

markymoomoo

esmerellda wrote: »

NOW !

glad you posted that as my 14 days is up on wednesday and i was gonna wait until then to send the final 7 day letter.....

i dont suppose you know what the facts are behind the "8 week" wait letter do you?? ie If the FSA does give them 8 weeks to investigate how can we fairly claim after only 14 days??

thanks in advance

Magatag

Just been on to Halifax AGAIN, asking if they've come to a decision (my second letter deadline is today) before court action. Been told they are well within their rights to make us wait 8 weeks for a decision. I asked if I could speak to someone over the phone about coming to a decision on refunding the charges and was told "no they don't do that".. when presented with the fact that people have had phone calls 'offering' refunds she said it depends on thd person dealing with it.

What I would say in reply is not printable. I'm sick as a chip. Halifax have over 8,000 of my money. If I owed them that amount, would they be waiting 8 weeks for a reply to demands? think not!:mad:

esmerellda

Exactly what would they do - file a claim against you !

So what are you going to do ?????

nicky1312

hi all well i phoned the bank to refuse the £420 they offered against my £1444 charges and fees, the man i spoke too said they counted my charges and they come to just £650 so they said we can up offer too £650 i told them no and to check my statements, so worried i had made a mistake i got mine out and went threw the whole lot of them i am right apart from one little mistake i have made it was the wrong date on one of them,so i will just wait to hear back from them they said they would phone in 2 or 3 days.

denim.demon

bonniebeth wrote: »

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?

The general consensus here seems to be that you should initiate court proceedings according to your timetable not the banks!!!! Remember you like me and loads of other people are in the position of reclaiming charges cause we allowed ourselves to be bullied by them, so kick them back wher it hurts.

I am not sure why Martin has decided upon the timeline he recomends and would like some enlightenment on this matter.

I have just drafted the first letter requesting them to pay back charges and am adding interest out of spite I fully intend on sticking to a timetable set out by me and not the bank.

:beer: :j :beer::j :j :beer: :j :j :j :beer::j :j :j :j :beer: :rotfl:

esmerellda

http://www.dca.gov.uk/civil/procrules_fin/contents/practice_directions/pd_protocol.htm


4.1
In cases not covered by any approved protocol, the court will expect the parties, in accordance with the overriding objective and the matters referred to in CPR 1.1(2)(a), (b) and (c), to act reasonably in exchanging information and documents relevant to the claim and generally in trying to avoid the necessity for the start of proceedings.

4.2
Parties to a potential dispute should follow a reasonable procedure, suitable to their particular circumstances, which is intended to avoid litigation. The procedure should not be regarded as a prelude to inevitable litigation. It should normally include –
(a)
the claimant writing to give details of the claim;
(b)
the defendant acknowledging the claim letter promptly;
(c)
the defendant giving within a reasonable time a detailed written response; and
(d)
the parties conducting genuine and reasonable negotiations with a view to settling the claim economically and without court proceedings.

4.3
The claimant's letter should –
(a)
give sufficient concise details to enable the recipient to understand and investigate the claim without extensive further information;
(b)
enclose copies of the essential documents which the claimant relies on;
(c)
ask for a prompt acknowledgement of the letter, followed by a full written response within a reasonable stated period;

(For many claims, a normal reasonable period for a full response may be one month.)
(d)
state whether court proceedings will be issued if the full response is not received within the stated period;
(e)
identify and ask for copies of any essential documents, not in his possession, which the claimant wishes to see;
(f)
state (if this is so) that the claimant wishes to enter into mediation or another alternative method of dispute resolution; and
(g)
draw attention to the court's powers to impose sanctions for failure to comply with this practice direction and, if the recipient is likely to be unrepresented, enclose a copy of this practice direction.

4.4
The defendant should acknowledge the claimant's letter in writing within 21 days of receiving it. The acknowledgement should state when the defendant will give a full written response. If the time for this is longer than the period stated by the claimant, the defendant should give reasons why a longer period is needed.

leggydan

Hi I wonder if anyone can help me,
I have bank charges from an old current account (which is now closed), a student current account and late payment charges on my credit card. All of these are with the Halifax. I've counted all my charges from each account (i had saved all my bank statements) and am about to start using the 1st draft letter by Martin. My query is do I write one letter including all 3 accounts? Or do I write two letters, 1 for credit card and 1 for both accounts? or do i write 3 letters, one for each account?! I'm confused!!
Also does anyone know who you write to? I've seen somewhere that you write to your local branch-would this be the same for the credit card?
Any help will be much appreciated
Thank you :-)

fishdude

Can anyone help?

I have requested the last six years worth of statments for my wife's account and recived them apart from 2003-2004 all the statments say is account reneued, so we called them and they said sorry and we recived the same again so we called again and got the one months statment in 2004 we allready have.

any sugestions? have they lost her records?

sarahmoon_2

leggydan wrote: »

Hi I wonder if anyone can help me,
I have bank charges from an old current account (which is now closed), a student current account and late payment charges on my credit card. All of these are with the Halifax. I've counted all my charges from each account (i had saved all my bank statements) and am about to start using the 1st draft letter by Martin. My query is do I write one letter including all 3 accounts? Or do I write two letters, 1 for credit card and 1 for both accounts? or do i write 3 letters, one for each account?! I'm confused!!
Also does anyone know who you write to? I've seen somewhere that you write to your local branch-would this be the same for the credit card?
Any help will be much appreciated
Thank you :-)

Personally I would do one for each separate account.

kazza1976_2

Well the Halifax promptly posted 6 years worth of statements within 8 days of my request. The total amount charged came to £2052 (without interest).

So I have sent my request to day for a refund.......feel nervous!!!!

This is my first post xx:eek: