halifax bank charges (merged)

vick*

Thank you so much.

I will report back.

I think I might be in the wrong thread here though, I'm not really finding my way around the forum very well - its huge.

Apologies for invading the Halifax thread!

Edinburghlass_2

You'll find a thread for most of the main banks and also help threads for the various stages you need to go through.

As regards a closed account send off the letter with the £10 for all the data held on you and give your name, any relevant addresses and your date of birth and they should be able to trace your account.

Have a read of Martin's article, then read it again and follow the steps

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

bazzag_2

I am just about to have a go at Halifax for £9K+

I don't mind if they close my current account but my mortgage is also with them.

Does anyone have any experience with Halifax as I am worried they may close my mortgage?

EvilEdna_2

In my experience Halifax aren't closing accounts. As for the mortgage, I don't think that they have the same clauses as other accounts ie at any time the banks can demand payment in full, but I'm not an expert and amn't 100% sure.

Edinburghlass_2

bazzag wrote:

I am just about to have a go at Halifax for £9K+

I don't mind if they close my current account but my mortgage is also with them.

Does anyone have any experience with Halifax as I am worried they may close my mortgage?

All banks can and some do close accounts/withdraw overdrafts but your mortgage is a different agreement you have signed and should be okay.

drewster_uk

Hi All

Just a quick question: I filed MCOL last night - do i need to send another schedule of charges to the bank, and or to the court?

If so do I need to show the 8% interest figures also?

Thanks

Drew

cantona07

Hi,

Just received the standard response from Halifax.

"We're sorry to learn you are unhappy...Customer relation manager will reply... no later than 4 weeks".

Should I send the follow up letter now or should I wait 7 days?

Rex_Mundi

drewster_uk wrote:

Hi All

Just a quick question: I filed MCOL last night - do i need to send another schedule of charges to the bank, and or to the court?

If so do I need to show the 8% interest figures also?

It would be better to do this. Send a copy to the bank, and the court (Northampton address for MCOL). You will need to show the interest.

Rex_Mundi

cantona07 wrote:

"We're sorry to learn you are unhappy...Customer relation manager will reply... no later than 4 weeks".

Should I send the follow up letter now or should I wait 7 days?

Move ahead at your timetable, not theirs. Send the next letter once your first deadline is up.

kazzaj

I sent my LBA to the Halifax on 23 January and it was delivered there on 24 January. They have not contacted me since receipt, not even an acknowledgement letter.

I am wondering whether, when the 14 days is up, it might be worth me giving them a ring before I file court papers to see if they are prepared to discuss a settlement.

Has anyone else done this successfully and if so, what is the best number to call? I sent my letter to Trinity Road.

My claim is for £7789 (plus interest) so this would REALLY come in handy at the moment.

Thanks