Credit Card Reclaiming Discussion

jenniww

samjones1710 wrote: »

Quote:
Originally Posted by samjones1710
Hi all,

I'm new to this and am trying to reclaim around £1,100 from Halifax.

I sent them the letter from the site along with a list of charges I had accrued and asked for complete repayment plus interest. I received a letter from them on 20th July acknowledging my complaint and that they would resolve this in a max of 8 weeks, but would write to me within 4 weeks with an update.

Not suprisingly, it has now been 4 weeks since I got this letter and I have been sent a 4 week holding letter saying the matter will be resolved in the next 4 weeks.

I've got a feeling they are going to throw the complaint back at me and was wondering whether to sit tight and wait, or to be a bit more agressive with them.

Any thoughts?

Cheers

Classic complaint handling ie 56 days maximum timescale before you can take it to the FOS.

Thanks for this natwest

Just got a reply from Halifax. They are offering me £325 as a goodwill offer. I'm not particuarly please with this and am going to write back requesting the full amount.

The only thing is, I am wondering whether to sign their form accepting the £325, as this may jepordaise my chances of getting the full amount back. The letter includes the wording 'I confirm that I accept the offer of £325 from Halifax in full and final settlement of my complaint regarding Credit Card charges on my Credit Card account'.

Will signing this mean I cant claim for the outstanding amount?

Thanks for all your help so far!

Am finding the same with Halifax...is it worth hanging on for the final date they've given or phone them up to try and move it on?

Also, Nationwide only returned print out of dates from 2004 with charges attached rather than ALL statements for me to sift through. Shuld I trust their information or ask for full statements?

mmmkbb

hi there just wondering if anybody can help

i was with natwest cc for almost 3 years. 2 years ago i move houses and my mistake i did not update my details with them, i did not receive my statements for 2 years.
now i just called in and ask about the balance it was well over limit for 2 years. it is like interest on top of interest.
after reading so many success stories i am quite confident now. i got my cc number but no account number on my statements. can anybody tell me where can i find them?
if i give my direct debit cuurent account number will they mistake that as bank charges reclaiming?

thanks

craigp001

I put in a claim with Halifax for my charges etc which amounted to around £1200 with interest.

I have today received an offer of £234.00 from them with a letter saying the charges are fair and that the offer is the difference with no interest added to the settlement that is a goodwill jesture.

If I send this to the ombudsman or to court what is the chance of me being awarded the full amount claimed of £1200 ?

Has anyone any information on this. I have telephoned them today and they have said they will review the matter and get back to me.

Any tips or pointers for me what to do next. Im not happy with the offer.

Thanks in advance

Orford

mmmkbb wrote: »

. i got my cc number but no account number on my statements. can anybody tell me where can i find them?

Your credit card account no. is the same as the credit card no.

Orford

craigp001 wrote: »

the offer is the difference

This makes me think this is a credit card claim rather than bank a/c charges?

craigp001

ive had the same letter and dont know if to claim via the ombudsman or the courts. Trying to get some advice if anyone can help ? I want £1200 back and been offered £234 as a goodwill jesture.

Orford

Orford wrote: »

This makes me think this is a credit card claim rather than bank a/c charges?

craigp001 wrote: »

Trying to get some advice if anyone can help ? .

Can't help if you don't answer the question. Is this a bank or credit card claim?

caro50

Hi

Can anybody tell me the address for Halifax reclaiming letters for credit card account ?

thanks all

Orford

Halifax CREDIT CARDS


Halifax Card Services
Pitreavie Business Park
Dunfermline
Fife
KY99 4BS

shoe_2

Hi
Can anybody give me the address please to ask for the list of charges for credit card charges
Thanks
Shoe
Lloyds TSB