halifax bank charges (merged)

lioness38

Thanks Linzi Pinzi :T and well done to you :T , gonna send off the letter 4 tomorrow, will keep you posted. Amazing site this is, really helpful - Good Luck to those still fighting!

nickb9030

i don't understand when you say send in the letter requesting the charges back before you got the info, how do you know how much to claim back if you do this? am i being really stupid?

phil_kirsty

help has anyone with a cardcash account started mcol because i filled it all out and went to pay my £120 and they dont take a payment from a visa electron card ,halifax are 1 up on me at the moment

lil_elvis2000

lil_elvis2000 wrote: »

Well I've waited just over five weeks now and have sent the second letter threatening court action. I was just about to go on moneyclaim and do that. But I thought...perhaps I should send them a 3 days warning letter and have them phone me on my mobile to negotiate. I'm only asking for £88. I actually started the process when they notified me of the charges...before they actually took them...which they have done now.

They've missed their own four week progress response - perhaps they did so because of my second letter?

I'm on low income so £88 really really hurts.

I'm wary of going to court as there appears to be a new trend now of the banks applying to the court to have the cases struck...Buying time I suppose.

Any advice or experience?

I today receive their offer of the full amount. It does require both our signatures as its a joint account...I like the part about "goodwill". I just want to be careful before we sign this document. I still want the right to reclaim or cancel any future charges we may incur. We are always on the knife edge.

Will I be waiving my right to future action if I sign this agreement. I mean...in a normal complaint there would be nothing to sign. we would get the money back...as we have previously done several time over the phone and in the branch.

mrsmac_3

Hey all.

Well I finally had to complete the MCOL and have now filed for £3000 + interest (over 2 accounts). My claim was issued 11/4 and deemed served 16/4!

Now getting a tad nervous as CAG saying shouldn't have put in for interest prior to this stage but I had??!!

Waiting game now then!

samusamus

Hi there,

I had an account with Halifax since I was 16. Then in 2005 I was out of work for a few months and some direct debits went unpaid. Because of that I racked up a few hundred quid in charges that I couldn't pay, and after a couple more months the bank simply closed my account.

Can I still claim charges from this account for all the years I had it (if they closed it)?

thanx
sam.

TheOne

Yes I believe you can claim up to 6 years back from present, even if the account has been closed since.
For example. Its now April 2007. Say your account was closed in August 2004. You can still claim charges that go back from August 2004 to April 2001

radley_3

Thanks, perseverance appears to be the way forward my only fear is that with them saying this is payment in full and final settlement of my complaint, that they may withdraw the offer

misters_2

I know theres a big section on this but personally i wanted to know if i signed and agreed the terms of what i would be charged if i went over the amount of my agrred OD then i was charged £30 can i still claim this bk, im with lloydstsb classic account.

Thanx in advance.

golddigger_3

Yup you sure can - for £30 I would just ring them - they'll most likely refund it there and then. By the way, what did you sign? Idon't remeber signing anything about charges - just sent a leaflet in the post.