halifax bank charges (merged)

Rex_Mundi

thecornflake wrote:

No cases have gone as far as court, although some banks wait until the allocation questionnaire stage before settling.

So no-one has lost either.

A few cases have gone to court. This includes one case where someone lost against Natwest. Part of the reason he lost was lack of preparation, and partly was a sneaky move on the banks part (which they haven't repeated because it is easily defended).

scabbers

The statements I requested from HALIFAX a week before Christmas came today January 11th 2007, so hopefully you shouldn't have to wait too long. There were 110 pages all sent together in a tatty, half-opened, hand written brown envelope. Didn't for one minute think my statements would be in THAT! Anyway, I've got them and my charges (without interest) add up to approx £370! Adding interest, with help from the MSE interest calculator, brings the total up another £96. Although this is peanuts compared to what some are claiming it's is a major amount of money to me. Actually, I'm quite proud of the fact that my money managing skills have improved (posh way of saying I rob Peter to pay Paul but know when to pay Peter back!!) Only 2 charges in the last 2 years! And I don't have any loans or credit cards. Feeling quite pleased with myself!

thecornflake

Rex_Mundi wrote:

A few cases have gone to court. This includes one case where someone lost against Natwest. Part of the reason he lost was lack of preparation, and partly was a sneaky move on the banks part (which they haven't repeated because it is easily defended).

I stand corrected. I thought they got the case struck out. Unfortunately it serves as a good example of why you should tkae it seriously and make sure you understand what you are doing.

Thanks for putting me right.

raq

Well done you. Some good news from halifax for a change.

I'm hoping to hear something over the next couple of days although my second letter is due out on Monday

hogpog

Hi

I've received a copy of the court Acknowledgement document which shows Halifax have acknowledged my claim. The online service states they have 28days from date of service to submit defence, i.e. the 31st jan is their "final" day.

i noticed on the acknowledgement document that the halifax have ticked the box labelled "i intend to defend the claim in full" or words to that effect.

does that mean they are definitely going "all the way" and i should prepare for a court visit?

if halifax do make an offer before the deadline will it just magically appear in my bank account or will they write to me directly offering settlement?

thanks

Rex_Mundi

hogpog wrote:

does that mean they are definitely going "all the way" and i should prepare for a court visit?

if halifax do make an offer before the deadline will it just magically appear in my bank account or will they write to me directly offering settlement?

Lots of banks have entered a defence, but still paid up in full before any court hearing. You should still prepare yourself just in case they do go all the way (unlikely, but possible). Read up as much as you can so you fully understand the law behind your claim, and what's required in the court process.

Even if they put the money straight into your account, they will still write to you to inform you of their offer (you need to let them know you are accepting the offer). They may instead send a cheque for their offer along with a letter.

Salama55

misskitty wrote:

Wish me luck. My statements arrived this morning...all 102 pages of them so I'm about to send off a letter by recored delivery, incase it gets 'lost' in the post, for £1,488.83

(If you call Halifax and ask for the statements they charge you £5 and they arrive within 5 working days..much quicker and cheaper than sending off a cheque for £10 in the post and it getting passed round departments)

Thanks misskitty, been waiting since June 06 for my statements & been given the runaround so did what you suggested last Thurs & got them on Tues. Been thru them & now to ask them for my money back. Thanks again.:o

mark.belfast_2

Bank: HALIFAX
Amount Reclaimed:£650
Amount they paid:£500
The story:
Requested statements end of Nov 06 and they arrived start of Dec 06 (Got them free due to an error on their part!)
Sent 1st letter and got an acknowledgment of letter received on 04 Jan 07.
Halifax phoned yesterday and offered £200 to start, with some banter I got them up to £450, but I still declined and said if you offer £500 I’d accept.
30mins later they rang back and offered the £500 which I accepted. (Saves me 2nd letter and going to small claims)
Halifax is sending out a letter for me to sign & date. Once they have received this back the money will be in my account 10 working days afterwards!

SUCCESS! :rotfl:

Thanks Martin! :j

Edinburghlass_2

Thanks for posting this one again in here Mark as its a great result for you and is a good suggestion for other Halifax reclaimers

raq

there are so many good responses over the last couple of days.

Well done. Think I'll sit on top of my phone today as my second letter is due out on Monday.... eeerrrrhhhhh