Halifax statements help!! It's a long one - sorry x

joannet143

My partner divorced years ago, but never finalised the financial issues... Despite getting everything, the PBFH is now trying to claim his pension. It's the only asset he has left, as he is still paying the loan off that he took out to get rid of her in the first place. She has new partner and they now have plenty of money, however we are skint, live in rented accomodation and have just reached about £10,000 in legal fees!!! She is representing herself.. (Partner is a qualified barrister!!).

The ex has played games throughout the financial disclosure, and provided as little detail as possible.. When this started she was still in the marital home, she initially provided 1 months financial disclosure (statements, expenditure etc) before she became devious!! She ran up her catalogues and credit cards to claim poverty ( a treadmill on one of the statements is a necessity you see!!) We asked her again for the bank statements and she then provided 4 months worth... (still not the 12!!) Since then, She has sold the marital home to a company for a £50,000 loss before we were able to get the house valued - as directed by the Court!! Allegedly, new partner has bought the house, filled the house with furniture, bought a new second car for himself... that she uses occasionally... as she gets the bus to work - whatever!!! and he gave her a cash gift of £3000 (as documented in one statement and paid for thier holiday to the Maldives last month... Anyway, a month before the Court case - last week - she has eventually provided the bank statements we requested.

We requested statements from August 06 - August 07, the same that we provided to her, which would of proved her erratic spending before she knew to manipulate her finances... However..

The copy statements she has provided from August 06, the statement just shows the date and either bank debit or bank credit and the amount... It does not show any details of the transactions, shops or location. I believe she has edited them before copying them... However.. I don't bank with the halifax so i can't be sure... Can anybody who banks with the halifax or works there please let me know for definate that this information would be on the statement...

She won't provide her credit card statements either stating this will cost £180 in total, she has credit cards with Egg and Barclaycard, and again it's the transaction details we require... Are we just to accept she can lie to the Courts and hide information?? That is if she is....

Sorry about the length of this post... and thankyou in anticipation... Please can someone help

jonesMUFCforever

Well the Egg statements can be printed off for 12 months for free!

Icanandwillsavemoney

[quote=joannet143;


The copy statements she has provided from August 06, the statement just shows the date and either bank debit or bank credit and the amount... It does not show any details of the transactions, shops or location. I believe she has edited them before copying them... However.. I don't bank with the halifax so i can't be sure... Can anybody who banks with the halifax or works there please let me know for definate that this information would be on the statement...

[/quote]
What she has provided you with is a list of transactions NOT copy statements. Halifax copy statements will have the Halifax header and full details of who, what and when but a list of transactions is printed off there and then by any of the cashiers immediately.

joannet143

I don't think i've explained it very well, i got a little carried away without being clear i think... PBFH has provided us with what looks to be proper statements... Halifax header/page numbers and account details.. and it looks like a statement, however, between Aug 06 - APR 07, it literally states DATE, BANK CREDIT or BANK DEBIT, PAYMENT AMOUNT, BALANCE... However, when the statement gets to APR 07, (the same as she had supplied us with previously) you suddenly have the same as above but along with all of the transactions details, ie, details of shops and locations, cheque numbers, details of wages paid, child benefit and direct debits etc are then shown... But it is all off the same print out.. Pages 22 of 40, 23 of 40,that kind of thing... I hope that clarifies things.. Thankyou so far... I really appreciate any help and advice... The Stress!!!!!:eek:

gazebo

it did sound like just a cashier based print out of account history, but if that were the case it wouldn't read as BANK CREDIT the information would be in shorthand such as DR, CR or BCA, DDR etc.

I think that these statements are genuine, unfortunately it won't help you much at the moment to know this. If an account has had over a trigger number of transactions it will 'renew' itself. What this means is that the account history prior to the trigger will be archived by the bank.

This effectively means that when statements are requested, only a limited amount of information would be provided on the statements prior to the 'renewal' date.

If this is what has happened, it doesn't mean that full details of the account history is lost completely, however it may be very difficult for the bank to obtain full details of where debits were paid etc.

If you are entitled to the information,ask your solicitor to write a letter to the bank detailing the exact transactions you wish to know full details of.

They should then carry out further investigations on their systems to obtain the info required, but it would then be provided as a letter rather than on a statement.

I don't know if this will work, but it would be my suggestion.

Mikeyorks

An unedited Statement from Halifax has 5 columns .... Date / Description / Payments / Receipts and Balance.

The Description column : All Debit Card payments are spread over 2 lines comprising transaction type and merchant name / place. Direct Debits are single line with just the transaction type - merchant name. Cheques are just single line with 'Cheque' and the serial number.

The other columns are self descriptive?

An original Statement has a pale blue background. But if you use the Halifax online archive facility there is an 'easy print' facility which is just black on white.

joannet143

Have they definately been edited...?? I believe so as i explained earlier, but i don't bank with Halifax but as the Court case is coming up, do we now push for a Urgent Court Order?? I'm not sure if it's normal procedure but if someone is about to blatently lie to the Court, do we go to Court and get the judge to direct the banks/credit card companies produce the documents instead of relying on the PBFH.. it's such a big decision as we'll have to pay for the Solicitors and the Court time - and it's really hitting us hard now?? We need to prove the lies or else b/f could lose the only asset he has left..

gazebo

nobody on here can tell you if they've been edited without seeing them

If the suspect statements look the same as the ones you have already seen, then they are likely to be genuine.

As Mikeyorks has correctly confirmed, statements are in the following format.

On each page is the customers name and address in the top left hand corner. On the right hand corner is the name and address of the holding branch along with Roll Number, Sort Code, Account number and page number

At very top is the date to the left, Statement No in the middle and Halifax logo on the right

There is then a line which confirms the account type e.g. High Interest Current Account Statement
details of any overdraft the customer may have and then

Five columns which are headed as follows

Date Description Payments Receipts Balance


The statements end with details of the bank at the very bottom which include where they are registered and the company number etc

Original statements are on quite thick white paper and the columns mentioned have a slight blue hue to them (the Balance column is white)

If you're lucky there is also loads of printed information the back which starts off saying 'It's never been easier to keep in touch...'



As I said in my original post it may be a 'renewed account'. Do any of the statements between the date range where it is only showing as a bank credit/withdrawal and the ones which show full details, is there any section which shows the account as being 'New' - but with a balance beside it?

Also, no one that I can see has actually stated or replied to you saying that they have been edited.

We have all just explained what genuine statements look like, or the other scenario of you having been provided with a list of transactions which is not the same as a statement.

It is clear that you have not been provided with a cashier list of transactions.

jennifernil

We bank with Halifax. On our statements there is some detail. A DD will show who it is to, similarly a Standing Order. A credit will show who it is from. A debit card payment shows who it was made to. Cheque payments only show the cheque number. Transfers to/from other HBOS accounts only show as a transfer.

joannet143

Okay, i have access to the statements now... These are only photocopy statements we have but.... The Logo is in the top right hand corner with bank account numbers underneath. followed by page numbers, page 24 of 40 etc. The name and address is on the left hand side - although we have just noticed that the address on the statement is to her new address, that she moved into in December 07. The statements begin from 10/08/06, this page is numbered 24 of 40. The details on the statement are: Date, Description, Payments, Receipts, and Balance. On the description for pages 24 of 40 to page 30 of 40, the descriptions of transactions are listed as Debit Card, Direct Debit, Cheque along with Cheque Number, Standing Order or Bank Credit. There is no detail as to where debit card transactions took place, no detail where incoming money has come from or who the direct debits relate to,that is until page 26 of 40, where one transaction is shown to be Halifax Personal loan, then it reverts to showing nothing until page 30 of 40, where some details of transactions are listed, but where some descriptions are still blank. It is then hit and miss until page 34 of 40 which lists all the transactions and locations. This is dated February 07. I hope this explains it better, there is no refence to the account being 'renewed' that i can see,unless i'm missing something.. If i need to provide more detail for you to help, let me know and i'll have a look... I do appreciate your comments and time for helping me with this... Thankyou all...

Mikeyorks

They're not 'issued' Statements from Halifax. For a start Halifax give you continuity by showing a 'Statement Number nnn'. There are no 'page numbers' .... which indicate what you are seeing has been printed from a file. The absence of descriptions implies selective editing .... as all legitimate Halifax statements have some form of description (as previous posts) on every item line.

The fact your copies are from a file ....could be legitimate as I don't know how Halifax print 'paid for' or 'DPA subject access' statements? These could be file based ... I doubt it, but I don't know. But when you couple that with the missing descriptions ..... it does suggest more than a bit of manipulation? And Halifax wouldn't do that!

I would insist on originals ... the copies are clearly 'worked'.