HBOS aka Halifax Bank of Scotland

foxyj

Hi,
Heres my dilema,
I added all my charges up over the past 6 years and popped interest on top and they came to £488.85.
Now, i know its not as much as everyone seems to be claimimg back but to me, my other half and our daughter it's half the cost of a last minute holiday!
So. I wrote to the Halifax and they replied saying "no, you can't have your money back as you were told in your bank agreement that these charges would be applied if I did anything wrong!"
Now, as I understand it the actual dispute is the amount charged and not the charges themselves?!
Anyway, I sent them one of Martins wonderful letters saying I still wasn't happy and I'd be taking further action if they didn't give me my money back.
They replied just on the 2 week deadline with an offer of £193.50, (which is less than half) which would be credited to my account within 14 days, also saying this is a goodwill gesture and they're not in the wrong.
This has now already been credited to my account, 7 days in, but i'm still not happy really as it isn't going to get us a last minute holiday! They said if I still wasn't appy to return the money and contact them.
Do I do that?
Am I going to get bullied over the phone?
Do I stand a chance of getting the full amount back if i go through the small claims court?

Any advice would be great!

emma_c

• claimed £1600 + interest
• got a letter offering me £750, with a phone number to call if that wasn't acceptable
• phoned up, got put through to lovely lady, did some not very hard bargaining & now have £1500 being given back to me

RESULT!!!!!!!!!!!!!!!!!!!!!
:j :beer: :j :beer: :j

so if there is a phone number get in there & go straight in with a high figure, seems to work!

Massive thanks to Martin & all on this site for all the information
:T :T :T :T :T :T :T :T :T :T :T

lewisandjake

I have now claimed by default 4,800 but am awaiting payment. Did you have to call in bailiffs. When did you get your offer. I don't know what to do next!!

luckydi321

Finally got paid out - never thought it would happen
Sent for my statements 11 April and finally recieved them 15th June after several phone calls.
Sent letter requesting refund of £2733 plus interest straight away and a cuple of days later recieved a - dont think so letter!
Rand the numbers posted on this site (thanks to all who posted them) and asked for a review!
Rang a week later to give it a bit of a push!
Recieved letter on the 7th offering £1340 (was in hospital so rang when i got out)
Agreed over the phone a settlement of £2500 on 12th - I little less than I was asking for but it was a figure I had in my head to settle on - besides its definetely money I never thought I would see again!

I would suggest to people still claiming - go for it, once you have your no your not getting it back letter to ring ask for a review and then keep ringing every week till its sorted! definetely worked for me

and many thanks to graham and them team as well as everyone posting on here - without you all I would never had got this money back!

dami150

Haven't posted on here for a while but I have had a couple of successess including a £3000 part payment from Halifax. I am about to file a claim for the rest plus interest on the three accounts I have with them.

I am thinking of making a combined claim for all three as filing three separate claims will be costly as the total is around another £2500 plus interest.

Does eveyone think this is a good idea, I have to say I can't see what the difficulty might be as I have individual records for all three but I would like some feedback please.

Thanks as always

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ncdbarton

I've posted a couple of times, about how far i've got with the Halifax claim.

As of today the Halifax have not made any offer of any kind to me :mad: and have also confirmed that they will be defending the court case.

I understand they have 8 weeks to produce a defense ? is this normal practice for the Halifax and will they show up on the day or not ?

curly_em_2

Halifax won't pay me back for my bank charges. They said in the letter that basically that when I signed up for the account I was aware of the charges too. Not sure what to do next quite scared of taking them to court. Can anyone suggest what I need to do next?????

christhesparky_2

I used the financial ombudsman, was very easy, costs nothing and if they fail you can still go to court

wayoflife

curly_em wrote: »

Halifax won't pay me back for my bank charges. They said in the letter that basically that when I signed up for the account I was aware of the charges too. Not sure what to do next quite scared of taking them to court. Can anyone suggest what I need to do next?????

is this their first letter? if the answer is yes then do not worry at all as they do this with everyone.

I have successfully reclaimed over £5,000 for several people and have experienced many dealings with halifax.

Write to the chief executive with a 14 day threat to take them to court.
if you need the contact details for the Chief Executive then ask I will give you it

Definately set up with the Ombudsman

curly_em_2

wayoflife wrote: »

is this their first letter? if the answer is yes then do not worry at all as they do this with everyone.

I have successfully reclaimed over £5,000 for several people and have experienced many dealings with halifax.

Write to the chief executive with a 14 day threat to take them to court.
if you need the contact details for the Chief Executive then ask I will give you it

Definately set up with the Ombudsman

I waited nearly 2 months for this they took so long. Chief exec can I write to him? please send details.