halifax bank charges (merged)

loonygett

rockdog wrote: »

I phone ombudsmen today,it seems this is fair and legal,oh well £3000,of debt cleared,not at all bad.

Sorry to hear that . Just a shame you only settled for £3k then.

AFCChris

Double success today with me agreeing £500 on my claim (originally wanted £572) and my wife agreeing £3000 (originally claimed £3919)

It seems to me that the way to do things with the Halifax is exactly what people are saying to do in this thread and the other "Halifax/BOS insider" thread and this seems to be as follows:

1) wait for the standard rejection letter.
2) Call one of the 01977 numbers published on various posts and ask for the case to be looked at again. This normally results in a percentage offer letter soon after.
3) Call and negotiate a higher amount.
4) be firm but polite in all of the stages!

I honestly think the people who are getting the most difficulty are the ones being pushy, setting the deadlines themselves and peeing off the Halifax by doing it. I know this is the way that this and other sites advocate you do this reclaim stuff, and in general it works fine for most lenders but it's not the best method for the Halifax. They are proving again and again that they are prepared to negotiate and give you a decent settlement if you talk to them. They know they don't want to go to court and probably want to finish the claim as early as possible like the customers do.

Just my opinion. I suppose if you want everything including interest you need to push them further but as far as we are concerned we are £3500 richer than we were at the start of the day. At first I thought this could have been nearly £5000 if we went to the end and won with interest, but then decided that I was quite satisfied with our £3500!

Thanks to all the help from people on this site. £4700 from 4 claims now and no MCOL claims lodged at all. 2 more to do now...

Cheers

Chris

loonygett

headoutthesand wrote: »

Hi guys

first time i have read and posted on t his board. I have tried to read the posts but i would be here all night if i read them all so appologies in advance if this has been asked/answered before.

I have sent my letter to Halifax requesting statements but haven't recieved anything yet. I did get a letter saying they have recieved my request and will deal with it blah blah.

My question is - how do i chase it up? Do i phone my normal phonebanking number and ask them whats happening as the letter i have does not have a number on it.

I didn't want to chase it up before now as i didn't have the money in the bank to cover the cheque i sent......oops

I want the money now though as i have split with DH.

Also - if i were to claim the bank charges on our joint account does he need to sign anything or know about it?

He's giving me !!!!!! all for the kids so i need what i can get

Hi headoutthesand , the answer is did you have a cheque book that needed 2 signatures? If the answer is NO then you are ok to do it on your own without HIM knowing.Hope this helps.Loonygett

Dreamer06

Thanks Beate, I'll take the money & run then, & wait for my second account with them!!!!!!!!!!!CHEERS

Insomniac666

Well it's only been a week now so i'll wait until next week and try ringing again. I'm wanting £5300 in charges and if I can get £1500 interest too i'll be happy bunny

Tricks_2

having read this thread it kind of gives us some hope that Halifax are going to pay up, their 28 days are up on Monday and if they haven't filed a defence by then then we can enter judgement for the nearly £7k they owe us, we haven't heard anything them, not a phone call or letter even offering us any of it!

So fingers crossed it goes our way!!

bonipoopin

HELP!!

I recently went through MCOL and the 14 day deadline for acknowledgement was due this coming Sunday. Today i have noticed that they've finally acknowledged which gives them a further 14 days to either pay or dispute.

However.... Two days ago i spoke to Steve on the 01977 no. who said that an offer would be sent out to me. This sounded great and i thought at last i'm getting somewhere.... but NO. Today i received a letter from a Rachel Barker stating that no charges had ever been applied to my account!!! I have tried to ring the 01977 no. this morning and have been told that someone will ring me back. (Ha! Ha!)

I obviously have the list of charges, previous letters fobbing me off with that the charges were fair etc, etc.

I will continue to ring the 01977 no. until i speak to someone and also continue waiting for the further 14 days on MCOL and take the next step if necessary.

Has anyone else had this problem??

julesis30

Hi everyone, im hoping someone may have some advice as im at a loss as wot to do now, i followed Martins procedure & used his template letters, Halifax were pretty prompt with the 6 yrs of statements but did make me wait a further 4 wks on the second stage even though it should have been 14 days, but i didn't want to get their backs up so left it (they did send me a letter telling this), only to recieve a letter a few days ago telling me further to their investigations no i couldn't have any of the 1200 pounds charges over the last six yrs.
i don't understand how they could justify charging 117 pound for 3 unpaid d/d when all they did was send me an automated e-mail with all 3 written on the same letter, did this really cost them that much to type 5 or 6 words and press send !!
Anyway im a little bit of a loss as what to do now as i couldn t possibly afford courts & solictors & things, any advice from anyone would be much apreciated.
Thanx for taking the time to read this

Stephen_Leak

julesis30 wrote: »

Hi everyone, im hoping someone may have some advice as im at a loss as wot to do now, i followed Martins procedure & used his template letters, Halifax were pretty prompt with the 6 yrs of statements but did make me wait a further 4 wks on the second stage even though it should have been 14 days, but i didn't want to get their backs up so left it (they did send me a letter telling this), only to recieve a letter a few days ago telling me further to their investigations no i couldn't have any of the 1200 pounds charges over the last six yrs.
i don't understand how they could justify charging 117 pound for 3 unpaid d/d when all they did was send me an automated e-mail with all 3 written on the same letter, did this really cost them that much to type 5 or 6 words and press send !!
Anyway im a little bit of a loss as what to do now as i couldn t possibly afford courts & solictors & things, any advice from anyone would be much apreciated.
Thanx for taking the time to read this

As you have not received an acceptable reply by your deadline, send them the second “Letter Before Action” letter.

<O:p</O:pAt this point, you have to decide between referring your claim to the Financial Ombudsman and starting court proceedings.

If you don't think that you could successfully handle a court claim, or can't afford the court fees and aren't eligible for fee relief, then the Financial Ombudsman is an alternative. It is free of charge and handles everything for you. They charge the bank involved £400 for each complaint they accept. However, they cannot award interest like a court. Their success rate is good but, if the Financial Ombudsman is unsuccessful or the settlement is unacceptable, you can still start court proceedings. <O:p</O:p

If you threaten to refer your claim to the Financial Ombudsman, give them until 8 weeks from the date of your first letter to reply. However, if the reply either suggests that you now refer your claim to the Financial Ombudsman or says a definite no, then you can refer your claim to the Financial Ombudsman straight away. If you have not received any reply for the 8 weeks, you can then refer your claim to the Financial Ombudsman.

If you threaten to start court proceedings, give them 14 days to reply. If you have not received an acceptable reply by your deadline, then start court proceedings on Money Claim Online.

Please read Martin’s article and the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.<O:p</O:p<O:p</O:p

ncdbarton

I don't know if i have been to hasty but my sense of injustice, as i have pushed onto file for court proceedings only one day after the 14 day limit on my second letter.

I now understand that the Halifax does drag its azz and could still come up with an offer, but somehow i doubt it.

Has anyone else had to 'explain' each charge to the Magistrate as someone else posted they had to? As im claiming several thousand pounds i hope the courts have lots of time on thier hands :mad: