HBOS aka Halifax Bank of Scotland

ncdbarton

CharlieNkennedy wrote: »

glad to say after starting 8th may regarding claiming $1012,Finally got offer 6 days before 8 weeks up of 50% last thursday called 2 try for improved offer typical person dealing with it off ill,So finally got fon call today and after her trying to play hardball saying nomore than 75% i finally got £900 which im very pleased with as i live in scotland and didnt want 2 have 2 go through the court, ive read forum everyday and would like 2 thank this site for making me stay postive and determined.dont let them win people:beer: :T

So you got an offer of over 75% over the phone :rolleyes: funny that i was told that offers over 75% had to be dealt with by another department ?

(Land_of)_Maz

i heard that 75% was policy now but not sure how definate that it. I think it depends on who you get on the phone. In my experience some are more pleasant and amenable than others. You'd think it was their own money some of the time!! Probably just agency staff too!

HBOS Account 1 - £650 back in charges,
HBOS 2 - pending
Capital One - £240
Egg - pending
New Look card - pending
Dorothy P's card - pending.

Thanks to all who post and give encouragement. When i meet people who aren't claiming charges i can't believe it. It should be like national service and made compulsary!!! lol

TONYROD911

lothianguys wrote: »

Recently received an offer from FDirect but in the same post received a letter from Halifax stating that i have no claim and have not been mis charged, they mention that in their terms and conditions you must have enough money in your account to avoid going overdrawn.
I have checked through my statements and worked out that they have charged me over £800 in charges over the past few years. Could someone advise if this is correct. The letter received just seemed to be a standard letter with a photocopy signature and this was sent from Head Office.

HELLO TAKE NO NOTICE OF WHAT THEY TELL YOU NO MATTER HOW YOU GOT CHARGED THE CHARGES ARE UNLAWFULL AND THEY KNOW THIS .JUST KEEP AT THEM AND YOU WILL GET MOST IF NOT ALL OF YOUR MONEY BACK.EVEN PHONE THE NUMBER AND PERSON ON YOUR LETTERS AS IT WILL ALLWAYS BE THE SAME PERSONS NAME ON EVERY LETTER SO DONT BELIEVE YOUR WRONG BECAUSE THEY ARE HOPE THIS HELPS A LITTLE......TONYROD911

TONYROD911

dam wrote: »

Hello all,

I am at the end of step 4 (letter threatening court action) and I have heard nothing whatsoever, is it worth a phone call or do I go straight onto step 5?

Thank You

I AM AT THE SAME LEVEL AS YOU THE HALIFAX OWE ME £752 THEY OFFERED ME 347.I PHONED THEM ON 16.07 AND THEIR OFFER WENT UP TO £500 SO YES PHONE THEM UP AND SPEAK TO THE PERSON WHO SENT THE LETTER.I HAVE DECLINED THEIR OFFER AS I WANT ALL MY MONEY BACK.I HAVE SENT ALL MY PAPERS TO THE FINANCIAL OMBUDSMAN AND THEY WILL ADD WEIGHT TO YOUR CLAIM IF NOT GET IT SETTLED FOR YOU...TONYROD911

TONYROD911

neverbeten wrote: »

Any help will be greatly appreciated. I wrote to the HBOS and yesterday received a brown envelope with only my last 2 and a half years bank statements in it. Why would they not have sent the last 6 years and what can i do about it?:mad:

I PAID £10 FOR MY STATEMENTS AND ALL I GOT WAS A PIECE OF PAPER AFTER THE 40 DAYS WAS UP.ALL YOU NEED TO DO IS GET IN TOUCH WITH THE INFORMATION COMMISIONER AND THEY WILL SORT IT FOR YOU AS YOU HAVE PAID FOR THIS SERVICE.IT IS A CRIME TO WITH HOLD INFO SO DONT WORRY AND ASK FOR YOUR STATEMENTS ON PAPER COPIES.I GOT 6YRS PAPER STATEMENTS BACK WITH IN TWO WKS AFTER INFORMING THE IC ABOUT MY PROBLEM.HOPE THIS HELPS...TONYROD911

Edinburghlass_2

Two things Tony, can you knock the CAPS lock off and the posts you are answering are more than 6 months old so I'm guessing that neverbeten has finished his claim by now

rikm12345

ncdbarton wrote: »

So you got an offer of over 75% over the phone :rolleyes: funny that i was told that offers over 75% had to be dealt with by another department ?

HI,

I had the same offer of no more than 75%.

I'm not happy, but its better than a slap in the face with a wet kipper.


Rik

EMC100

I was claiming £1700 from the Halifax and they have sent me a letter offering me £750. I am going to the next stage of phone negociations.
:rotfl:

mleverick

Hi there, I am new to the forums and just wanted to let you know how far I have got with Halifax, I sent the first letter as I had calculated myself what charges I was owed on 05/07/07 and I received a reply, it didnt look like an automated one dated 12/07/07. They reckon they have carried out an investigation of my complaint and were satisfied that the charges were correctly applied bla bla bla reminding me that I formed an agreement with them when opening the account so would know if I went overdrawn what the charges would be. Anyway they are seeming to be helpful by saying that Halifax will not charge you to investigate your account (I SHOULD BLOODY HOPE NOT) and that they would like to help with any further matters I have, now although it hasnt been signed in Ink, it has come from a different office to the one I set it to. So anyway, I have just ignored it and gone to the next stage, that is the second letter from Martins template threatening Court action and havent yet had a response. Did I do the right thing, or should I just have accepted it?
Please help Martin:money:

IZZY01

mleverick wrote: »

Hi there, I am new to the forums and just wanted to let you know how far I have got with Halifax, I sent the first letter as I had calculated myself what charges I was owed on 05/07/07 and I received a reply, it didnt look like an automated one dated 12/07/07. They reckon they have carried out an investigation of my complaint and were satisfied that the charges were correctly applied bla bla bla reminding me that I formed an agreement with them when opening the account so would know if I went overdrawn what the charges would be. Anyway they are seeming to be helpful by saying that Halifax will not charge you to investigate your account (I SHOULD BLOODY HOPE NOT) and that they would like to help with any further matters I have, now although it hasnt been signed in Ink, it has come from a different office to the one I set it to. So anyway, I have just ignored it and gone to the next stage, that is the second letter from Martins template threatening Court action and havent yet had a response. Did I do the right thing, or should I just have accepted it?
Please help Martin:money:

Hi mleverick,
It looks to me like this is the banks final response, as they usually say they have 8 weeks to respond. I think you can now go straight to the Ombudsman
rather than wait the 8 weeks. Either that if you are going down the court route, I would carry on to the next stage,
Izzy