halifax bank charges (merged)

giggleaday

karmac wrote:

I am currently claiming my bank charges back from the Halifax £3500, they responded to my 1st letter with a 'gesture of goodwill offer' of £1100 which I refused. I have since written to them asking for £2600 in full and final settlement, I advised that I wanted a full response within 7 days. They signed for my letter 9 days ago and as of yet have not responded to my request. Should I allow longer, write again or start court proccedings? can anyone advise, thanks

Thanks Karmac. I'm at the same stage as you and will be starting court proceedings on Friday. Good luck got my fingers crossed for us both.

p.kane1981

Hey Guys, this is my first post, I’ve been a big fan of this site for a long time.
After lots of pondering and sleepless night, I have started proceeding against the Halifax bank for £715 worth of bank charges.
I downloaded the template letters and send the first one recorded deliver on the 15th Jan and I received a letter this morning from the manger of my local branch saying she had passed my letter to the customer relations department to see if I could be conceded for refund.
I will keep this post up to date and let you all no the out come. I would be great to here from other people who are taken the Halifax on to.
:hello:

karmac

giggleaday wrote:

Thanks Karmac. I'm at the same stage as you and will be starting court proceedings on Friday. Good luck got my fingers crossed for us both.

I have received a letter from the Halifax this morning stating that as I am not willing to accept their gesture of goodwill offer they are not willing to refund all the charges I have incurred and that I need to 'refer my concerns' to the Financial Ombudsman Service. Why me? Off to court we go.

kylebunkin

kylebunkin wrote:

Hi there!

The Halifax finally caved in to my demands, the same day as I decided that I would take them to court, so that was lucky!

They've offered to pay me my full amount of £700, so I filled in the form and popped it off in the post on tuesday, out of interest, how long does it take for them to process this and finally credit your account?

Sorry to bring this up again, but does anyone have an answer?

It's all seemed so easy up to this point so I'm half expecting my reply to be lost in the post...

rob38

kylebunkin wrote:

Sorry to bring this up again, but does anyone have an answer?

It's all seemed so easy up to this point so I'm half expecting my reply to be lost in the post...

You should send all letters recorded delivery.

skintscouser

hogpog wrote:

Bank : Halifax

Amount Claimed : Charges 1796.00, plus interest, plus legal costs £120.00

Amount Paid : £1976.00 & £233.48 :T

Details :

24/11/06 1st letter sent to Halifax with breakdown of charges. They replied advising charges are part of t&c.

11/12/06 2nd letter sent to Halifax giving seven days for full response before court action. They replied advising the matter would be passed to their Customer Relations Dept. As I considered their letter not to be a full response as requested in my letter I began court action.

28/12/06 entered claim online; dated documents served to Halifax 3/1/07.

Halifax acknowledged claim and had until 31/1/07 to reply/defend.

17/1/07 checked bank account and two credits appear today; one for full charges and another for interest plus costs, just over £2000.00 No letter received yet.

it can be done; don't be scared of the court process. the banks have gotten away with overcharging for too long.

the entire process has taken 55 days; just under 6 weeks.

thanks to Martin :money: and every forum member who offered advice :beer:

Nice one mate! For those of us on here who are having problems with the Halifax, this post is a reminder that if we hold our nerve, we can win! Some have suceeded via haggle and negotiation but it seems more of us are having to 'work' to get our money back.

Everyone should ensure they have thoroughly read the MSE guide **click here** , and that we know from the moment we write that 1st letter, we could end up taking the bank to court **click here** to see how Moneyclaim works.

The banks know they can't lose by testing our nerves as the money we are claiming back means much more to us as individuals than it does to banks that have billions! This is the game they are playing. It means they only pay back millions, instead of the billions they have over-charged!!!

Good luck everyone. It's our money!!

andersjt

Hi Guys,

Just like to carry out a quick straw poll if you don't mind.

I made a claim to Halifax for £737 + interest (£281.57) grand total of £1018.57.

Today recieved a first offer of £532, following my initial letter, approx £200 shy of the actual claim amount. As its so close to the claim amount (I thought the interest was always a gamble) I'm tempted to deal, what would you guys do?!?

Deal, or no Deal?

Thanks in advance.

bigbird1971_2

any advise please - just noticed looking back on my statements that i put three charges on that shouldnt have been included should i send my second letter again acknoledging that it was my error and give them another seven days to reply??

Happy_frank

No deal (plus some extra text to make the post longer than 10 character long)

raq

bigbird1971 wrote:

Bigbird, they are clearly dragging their feet. Have you had a written acknowledgement from Customer relations or Halifax Head Office? If so give them a ring. I got a letter from C/Rels - tel 08457 253519. They gave a ref no. to quote if I needed to speak with them. Not sure what you've had but if they mess you about any more it sounds like it's time to move on to court action / Moneyclaim. . keep us all posted on how it goes. Good luck!


Hi skintscouser thanks for advise rang them today and they tried to tell me that they had until the 29th of the month to reply and that they look at all claims in date order. I said that we were working on my timescale and not theirs and they simply replied that they were working on the financial regulations time scale and that they were in there rights to take this long!!! the cocky gits..... andyway told them that i would give them a further week to reply and if not i would proceed to court.

Just noticed tho that i might have cocked up and put three charges in that were prior to the six years should i resend my letter without these charges on.....what a divvy

MISSKITTY

What do you think on this quote about their date order and going by the financial side of things and not ours.???