halifax bank charges (merged)

skintscouser

supersal wrote:

YES YES YES I DID IT. Today I got an offer of £1000 for a claim of £1200, I was going to do my mcol tomorrow(pay day!), but now have saved myself that expense. Cant quite believe it, and I have another claim going through for much more so it has given be a real boost to know that YOU CAN WIN!!!!

fantastic! well done.

malkkky

malkkky wrote:

Having a similar experience with the Halifax myself:

1. Wrote letter 1 on 15 December requesting repayment of £1,053. Got a reply about a week later enclosing T&C's and stating that the charges had been properly applied.

2. Wrote letter 2 on 2 Jan advising that I found their first response completely unsatisfactory and if they didn't refund charges within 7 days I would take action through the courts. I offered (without prejudice) to accept £800 as full and final settlement. Three days later they replied saying my complaint had been escalated to customer relations. By 10 Jan I had heard nothing further so I phoned my local branch at 9:30am and said if I didn't have an offer by 3pm that day I would commence proceedings. They rang back half an hour later saying they had spoken to customer relations and had been advised that they were allowed (by their regulator) 8 weeks to respond but they normally try to aim for 4 weeks. I said that I was the one setting the deadlines and if they didn't respond by 3pm I would start the proceedings. She basically said "well go on then".

3. So I did, I entered the claim online at 3pm and now await the outcome.

RESULT (SORT OF)
Just got home to find a letter from Halifax offering me £800 as a goodwill gesture. If they had done that last week I would have accepted but I've incurred an additional £120 court fees since then so i'm going to call them tomorrow and say I want £920 to settle or it goes to court - what do you reckon, is that wise or am I being too greedy?

malkkky

If I do decide to accept their offer, how do I go about cancelling the court proceddings, and should I only do this once the money is actually in my account?

lil_x

Hello everyone i have been reading your threads and it has spurred me on to start trawlling through all my statements and get a letter sent off.

anyway, was just looking at my december statement when we obviously had gone overdrawn and they decided to take £170 out of my already unauthorised overdraft new years eve in charges - for one month! I was furious and thought i'd ring now anyway, they might do that one automatically.

Spoke to a really nice lady(!) who said she could reverse only one but to speak customer services in the morning and promised they would reverse it all then said:

'I don't know if you have heard/read in the press but if you find out how much we have charged you in the past 6 years and write to us about it we have to pay you back so i'd advise you to do that'.

I played the innocent and said thank you for all your help!!!

Can you believe they have actually TOLD me to do it!

crazeycoe

need some help, abbey have charged me over £200 in bank charges for going 78p over drawn, I have spokme to the branch and to the customer services and they said that it was my fault so have to pay but i have refused too ever since, so can you claim back charges that you havent paid as such??

Also can you claim charges back on credit cards.

Any help?

Salama55

malkkky wrote:

RESULT (SORT OF)
Just got home to find a letter from Halifax offering me £800 as a goodwill gesture. If they had done that last week I would have accepted but I've incurred an additional £120 court fees since then so i'm going to call them tomorrow and say I want £920 to settle or it goes to court - what do you reckon, is that wise or am I being too greedy?

Go for it!!!! Best of luck Babe XX:j

Salama55

supersal wrote:

YES YES YES I DID IT. Today I got an offer of £1000 for a claim of £1200, I was going to do my mcol tomorrow(pay day!), but now have saved myself that expense. Cant quite believe it, and I have another claim going through for much more so it has given be a real boost to know that YOU CAN WIN!!!!

Congratulations, well done. Drinks are on you then!!!XX :beer: :beer: :j :j

Edinburghlass_2

crazeycoe wrote:

need some help, abbey have charged me over £200 in bank charges for going 78p over drawn, I have spokme to the branch and to the customer services and they said that it was my fault so have to pay but i have refused too ever since, so can you claim back charges that you havent paid as such??

Also can you claim charges back on credit cards.

Any help?

Send the first letter asking for them back/or not applied, adding in that you have spoken to someone at the branch and they have refused.

Yes you can claim for late payment fees on credit cards.

nickysnoop

Story so far:
Sent 1st letter 21st Dec, got standard "reply within 4 weeks" response.
Sent 2nd letter before action 10th January - no response.
Telephoned Halifax on 17th January and asked them if they would like to make me an offer to prevent court action. They said they will not do that over the phone but i would receive a gesture of goodwill offer in the post within the next week. Decided not to wait for them, so filed court action online today. Total they owe me for charges, interest and court fees will be £4200.

So now got to play the waiting game!

pigsmightfly

nickysnoop wrote:

Story so far:
Sent 1st letter 21st Dec, got standard "reply within 4 weeks" response.
Sent 2nd letter before action 10th January - no response.
Telephoned Halifax on 17th January and asked them if they would like to make me an offer to prevent court action. They said they will not do that over the phone but i would receive a gesture of goodwill offer in the post within the next week. Decided not to wait for them, so filed court action online today. Total they owe me for charges, interest and court fees will be £4200.

So now got to play the waiting game!

Good for you - stick at it

Would you mind telling me what contact number you used to telephone them. I signed an acceptance form for the amount they offered me nearly three weeks ago now and still haven't heard anything from them so just want to chase them up but there are so many telephone numbers and departments! :rolleyes: