Terms and conditions

tuckman

Hi all
First post.

Started claiming bank charges from halifax,bank account and credit card,only started 2 weeks ago.
Have had a letter off Halifax card services stating that they cant refund any charges because the charges were clearly stated in the tems and conditions.

Is this normal.
Thanks

GarethR

tuckman wrote: »

Hi all
First post.

Started claiming bank charges from halifax,bank account and credit card,only started 2 weeks ago.
Have had a letter off Halifax card services stating that they cant refund any charges because the charges were clearly stated in the tems and conditions.

Is this normal.
Thanks

Yes its quite normal, its called delaying tactics!

In simple if you have sent the letter requesting your charges back then continue with your Letter Before Action (LBA) suggesting the court route, alternatively if you dont want to go the court route try the FO.

Remember to stick to the timescales on this site, not theirs!

:beer:

guardian2020

Hi Tuckman...i think we have all had sim letters regardless of which bank or building society we are with..its jut them trying to frighten you into thinking THEY are right but THEY are not...stick to your guns and go for it, after all its you money they have taken..good luck m8 Caz

Stephen_Leak

tuckman wrote: »

Hi all
First post.

Started claiming bank charges from halifax,bank account and credit card,only started 2 weeks ago.
Have had a letter off Halifax card services stating that they cant refund any charges because the charges were clearly stated in the tems and conditions.

Is this normal.
Thanks

Its SOB (Standard Operational B*llsh*t).

Your first claim letter should give them 14 days to reply. If you have not received an acceptable reply by your deadline, send them the second “Letter Before Action” letter.

<O:p</O:pAt this point, you have to decide between referring your claim to the Financial Ombudsman and starting court proceedings.

If you don't think that you could successfully handle a court claim, or can't afford the court fees and aren't eligible for fee relief, then the Financial Ombudsman is an alternative. It is free of charge and handles everything for you. They charge the bank involved £400 for each complaint they accept. However, they cannot award interest like a court. Their success rate is good but, if the Financial Ombudsman is unsuccessful or the settlement is unacceptable, you can still start court proceedings.<O:p</O:p

If you threaten to refer your claim to the Financial Ombudsman, give them until 8 weeks from the date of your first letter to reply. However, if the reply either suggests that you now refer your claim to the Financial Ombudsman or says a definite no, then you can refer your claim to the Financial Ombudsman straight away. If you have not received any reply for the 8 weeks, you can then refer your claim to the Financial Ombudsman.

If you threaten to start court proceedings, give them 14 days to reply. If you have not received an acceptable reply by your deadline, then start court proceedings on Money Claim Online.

Please read Martin’s article and the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration. <O:p</O:p<O:p</O:p

tuckman

Thanks for the replys.