halifax bank charges (merged)

Beebe

t.sheers wrote:

hi all,
Sent my local branch one of martin's letters just before Christmas, they replied saying they have sent it on to head office.
The charges were for £801 then this morning they rang and asked if i had started court proceedings i said no ,and they offered me £600,which ive decided to accept. I then went down to my local branch and complained about my last bank charge of £30 and the refunded that as well result.

Bit of a result! :j

jonnyb1978

Recieved my statement and have listed all my charges. However in Martins article it says the next stage is to ask for your charges back and any interest..

I was under the impression you could not claim interest unless it went to court. Can anyone clarify this please.

Thanks

Rex_Mundi

jonnyb1978 wrote:

Recieved my statement and have listed all my charges. However in Martins article it says the next stage is to ask for your charges back and any interest..

I was under the impression you could not claim interest unless it went to court. Can anyone clarify this please.

Thanks

Because so many claims end up with a court claim. Martins advice is to add the interest from the beginning. If you do this, you must be aware that if the bank offers to pay the charges (without interest) before you get to the court stage. You MUST accept the offer. This is the most you are allowed to claim.

The 8% interest is the statutory amount of interest you are allowed to add to a debt if you claim through the county court.

On all the claims I'm dealing with, I dont add interest untill the court stage. It's your choice on whether you claim for this, but you must understand fully what you are claiming for from the beginning of your claim.

L-Jay

Rex_Mundi wrote:

Because so many claims end up with a court claim. Martins advice is to add the interest from the beginning. If you do this, you must be aware that if the bank offers to pay the charges (without interest) before you get to the court stage. You MUST accept the offer. This is the most you are allowed to claim.

The 8% interest is the statutory amount of interest you are allowed to add to a debt if you claim through the county court.

On all the claims I'm dealing with, I dont add interest untill the court stage. It's your choice on whether you claim for this, but you must understand fully what you are claiming for from the beginning of your claim.

When I got my offer yesterday, it said no liability for the charges but as a gesture of goodwill they would pay me almost £500.

Might put a note in with my acceptance and say as a gesture of goodwill I've decided not to pursue them for the interest.:cool:

_Scott__2

Today i went to my local branch and asked politely for the £30 charge to be removed from our joint account. I was turned down.

So now out of principle im sending a letter. I've used Martins template and added a little. Some feedback on the letter before i send it would be really helpful. I often find it hard to stop writing once i get on a rant! Should I take anything out or add anything in?


"We are writing to request that you repay the default charge that has been applied to our account. We do not believe this charge reflects the true cost to Halifax Plc of going into unauthorised overdraft.

The charges total £30 and were made on 30th Jan 2007. We believe we have been unlawfully deprived of the money and therefore ask that you repay the full amount.

As a gesture of good will on our behalf we would accept repayment of this £30 to be credited into the above mentioned account to offset against the current overdraft, as oppose to a cheque.

Should we receive a negative response to our gesture of good will, we will be requesting statements for the last six years for all other accounts we have held with you. We will then claim for every charge applied.

We look forward for a full response to this letter within 14 days."


Regards
Scott

ian02

Hi Scott, why not just get all your statements anyway and claim

tykeman_3

Hi all...

This is my first post as my claim to the Halifax is at the very early stages. I sent the letter asking for a record of my charges over the last six years(used the template on MSE). The template letter states that the bank must answer within 40 days. Does anybody know if means 40 working days or is it 40 days from receipt regardless of holidays/weekends etc. The letter was sent on 13/12/06 included was a £10 cheque to cover costs. I've heard nothing from the bank as yet and the cheque hasn't been cashed. I suspect that the Halifax will not be rushing to supply the data. To proceed further I need to know if I wait 40 working days or 40 days in total.

If anybody is at a similar stage to me I'd love to here from them. We could exchange stratergies and info. Would be nice to know I'm not in this alone as it's all a bit scary don't you think. I took the option when registering to allow emails from members, please contact me direct if you wish.

All the best.....Stuart

Rex_Mundi

It's 40 days, not 40 working days.

raq

t.sheers wrote:

hi all,
Sent my local branch one of martin's letters just before Christmas, they replied saying they have sent it on to head office.
The charges were for £801 then this morning they rang and asked if i had started court proceedings i said no ,and they offered me £600,which ive decided to accept. I then went down to my local branch and complained about my last bank charge of £30 and the refunded that as well result.

Well done. It's great hearing some great reports on this sight over the last couple of days.

fingers crossed for me next year. Didn't realise Halifax would call you....

bigbird1971_2

well ive done it just posted my second letter theatening court and now im pooing myself.......lol