halifax bank charges (merged)

kazza1976_2

Well Just had the shock of my life, checked my account and there were two cash payments totaling £2051 which is the amount of charges I asked for before I went through mcol. On going through mcol I asked for court costs and interest. I havent had a letter so not sure what to do.

Any advice

Kaz:j

lucyloves

lucyloves wrote: »

Hi,

I've just received one a4 piece of paper with about 3 charges on it for the last 6 years. I know for a fact that halifax took over £100 in charges in one month!

how do i get the statements from them??

Any advice would be welcome

Degs45

Hi lucy.. If there is a phone number on the letter try giving that a call . .

ralfc

Hi everyone,

I have a bit of a dilemma and need some advice.

Yesterday I claimed through MCOL for £515 in charges plus £94.20 interest from Halifax Credit Card Services.

This morning I received a letter from Halifax offering me the £515 charges but no interest.

If I take this offer I will lose the £80 court fees and £94.20 interest.

What should I do? Call them and try to get the offer increased? Hold out for the lot?

Any advice would be greatly appreciated.

Jay22_2

suki43 wrote: »

Hi Egg on Toast,

I think you have received the same letter as me. I am assuming then that this is their new standard letter. Their logic however makes no sense. Saying that they feel the charges have been applied correctly, could be said for my other two accounts, for which they have refunded me the best part of £500, so I don't know what the difference is with my 3rd account.

I think I am just going to go through the court now. The charges are still unlawful regardless of whether they think they have been applied correctly.

As far as I know, you won't need a solicitor to go through the small claims court. I would not worry about a defense, agreeing to terms and conditions previously etc. The fact remains that their charges of ca £35 are certainly not reflective of the costs they incurred.

Someone with more knowledge would be able to advise you better than me, but this is my understanding of it.

Hope it helps.

Suki

hi guys,

they did the same to me too (Halifax) after 8 weeks i get a letter saying that the charges are all correctly applied and som on............

but i m not sure wat i do now ???????

diane456

Hi guys

A bit of advice please. We recieved a letter today (14 days after sending stage 4 letter), saying they are still investigating our complaint and will get back to us within a month.

I telephoned the number on the letter and spoke to a rather aggressive young lady who didn't even want to take our account details. She just said 'The Financial Ombudsman tells us we have 8 weeks to investigate and his word is law'.

My feeling is to just get on MCOL and start a claim, but is this the right thing to do???? We've done every stage as written on here and kept copies of everything, sent everything recorded delivery etc

blue_meany

diane456 wrote: »

Hi guys

A bit of advice please. We recieved a letter today (14 days after sending stage 4 letter), saying they are still investigating our complaint and will get back to us within a month.

I telephoned the number on the letter and spoke to a rather aggressive young lady who didn't even want to take our account details. She just said 'The Financial Ombudsman tells us we have 8 weeks to investigate and his word is law'.

My feeling is to just get on MCOL and start a claim, but is this the right thing to do???? We've done every stage as written on here and kept copies of everything, sent everything recorded delivery etc

The FO advises that if you have a complaint against a bank then it is reasonable to allow 8 weeks for them to investigate, but this is no normal complaint - this is about the banks unlawfully taking money from our accounts with no relevance to the costs apportioned by themselves in doing so. This is where, we believe, they are breaking the law - a matter for the courts.
Stick to your guns!! Stick to the template!! Keep asking questions!!
Keep right on!!

diane456

Thanks for that. I think I just needed a bit of reassurance. I'm off to start the MCOL claim. I'll let you know how we get on. We are claiming £1506.31 including interest.

grb1975

Hi all.

wrote to Halifax at the end of March to request charges of in excess of £2000 be repaid. Got the usual "Sorry you are unhappy, we have 8 weeks...... but will try to respond in 4......" 4 weeks later to the day "We need another 4 weeks....." 8 weeks later again to the day got another letter, which in a nutshell says "You are not getting your money back..... if we don't hear from you within 8 weeks, we will assume you are happy and consider the matter closed"

Of course I am not happy....:mad:
Funny thing was that the letter had a direct telephone number on it 01977.... and not an 0800 or 0845. So I rang them and said that I would like them to re-evaluate my claim and pointed out that them taking their charges was swallowing up child benefit that is paid into this account and that that contravened section 185 of the social security act.... if i didn't get my money back then off to the court we go...
The man was helpful and understanding and said that he would personally have a word with the person that had made the decision and ask them to reconsider their decision. He then said that i will receive a letter from them within the next 2 - 3 days.....

My questions are

1. Has anybody else been in this situation?
2. What was the outcome?
3. Do you think they were trying to fob me off with the letter to see if i would just go away?
4. Has anybody got any ideas what will happen now?
5. Do you think they were trying to stall for more time... ?
They asked for 2-3 days not 8 weeks

I also got the distinct impression that when i rang them they realised i wasn't going to go away..... I am prepared to go to court, but would rather not if I don't have to.

Any views on the above would be very grateful.

Cheers
Glenn - GRB1975

luckydi321

Hi
I've still not recieved my statements (40 days were up on Monday) does anyone know the best number to call them on?
Thanks
Diane