halifax bank charges (merged)

Alimc_2

Hi, it seems that Halifax appear to be doing different things with different people. Do you think this is the case ? I sent my letter to them claiming bank charges for £332. They sent me back a letter basically saying don't be silly ! Anyway, sent second letter giving them five days before taking them to county court (all using Martin's templates). They've responded saying that they will be looking into my complaint with a complaints leaflet. It looks from this forum that they have sent that letter to some people as a first response but to me as a second response.......hope this makes sense. Anyone finding the same ? Thanks.

Rex_Mundi

All the banks are giving different responses to different customers (even if the claim is for the same amount).

In your case..............Once your dealine is up, issue your court claim. Do not be put off or delayed by the bank.

Alimc_2

Hi Rex_Mundi. It just seems so odd that the banks do that rather than a standard response. I think my five days are up so will get my self sorted and do an online small claims. Thanks for your response

skintscouser

Alimc wrote:

Hi Rex_Mundi. It just seems so odd that the banks do that rather than a standard response. I think my five days are up so will get my self sorted and do an online small claims. Thanks for your response

they are doing this deliberately. there are two things that have been consistent. firstly the banks (tactical) inconsistent approaches, and crucially secondly, that they have yet to turn up to defend their 'case' for penalty charges in any court claim (to my knowledge).

150376griffiths

I sent off my first letter in December 06 asking for 6 years of statements, once I recived this I worked out my total cost of charges + intrest sent of a letter asking for £2,800.00 and on the 20th Jan 07 I have an offer from Halifax for £2,440.00. Hope this helps

aly-xx

I sent letter asking for charges to refunded at beginning of jan, I received a letter back yesterday saying that a customer relations manager will investigate and I will receive a reply shortly, but no later than 4 weeks, do I just wait for them to contact me again within 4 weeks ?
aly

Ivana_B_Rich

Hello skintscouser

A big thank you for the very helpful link. :beer:

Edinburghlass_2

aly-xx wrote:

I sent letter asking for charges to refunded at beginning of jan, I received a letter back yesterday saying that a customer relations manager will investigate and I will receive a reply shortly, but no later than 4 weeks, do I just wait for them to contact me again within 4 weeks ?
aly

No, follow your timescale and not theirs.

LouBlue

Hey everyone

This is my 1st post but I have spent the whole day reading through this thread and the success stories thread so I am RARING to go!!! I am going to send a letter Recorded Delivery first thing Monday morning to request the past 6 years' statements.

Question: I have a current account and credit card with the Halifax. And I am sure there are a horrendhous amount of charges incurred! Am I more likely to get a decent offer (if lucky, I know) if I claim for the current account first, and then if successful, do the credit card afterwards? My thinking is if I claim for them both at the same time, it would pee them off and make them more difficult. What do you think?

I am extremely nervous about doing all this but after reading all your posts, I am determined to see it through! :eek:

This is a wonderful site and gives me a lot of inspiration! Well done to everyone! :T

Rex_Mundi

LouBlue wrote:

Question: I have a current account and credit card with the Halifax. And I am sure there are a horrendhous amount of charges incurred! Am I more likely to get a decent offer (if lucky, I know) if I claim for the current account first, and then if successful, do the credit card afterwards? My thinking is if I claim for them both at the same time, it would pee them off and make them more difficult. What do you think?

Your chances of success will be the same if you claim for one or both accounts at the same time. The same laws apply. Make sure you set up another account somewhere. Even if you only claim off your bank account, they may ask you to close this if you reclaim.