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

gazebo

I agree with what Mikeyorks is saying in terms of these sounding a little strange.

To clarify a couple of other points for you though.

When producing duplicate statements, the address on these will show the current address for the customer, they will only show a previous address if the account has been closed.

If the statements have been produced in one run, i.e. the customer has requested statements from April 05 - June 07, they do not show the statement number on them for each month. They will instead show that the page you are looking at is, for example page 26 of 96.

(this is why when asking for duplicate statements you should always state the date range you require, not the give the statement numbers)

The other thing I would say is that your solicitor should be asking for either the original statements or at very least, certified copies of the original statements (certified by either the bank or another solicitor).

Good luck.

Mikeyorks

gazebo wrote: »

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

Just noticed that. Certainly no page numbers on mine .... just the 'Statement Number nnn' in the centre. On the right ... below the Roll / Sort / Account are the 'BIC' and 'IBAN' numbers .... then straight into the statement body. Odd?

But makes no material difference to the fact a lot of key 'descriptions' are AWOL? And should not be. My only experience with a 'renewed' or 'rolled up' account (number of transactions exceed the system limit Halifax operate to) ...... is that you lose all the individual data items to that point - it's not just the 'descriptions' that disappear.

gazebo

Mikeyorks - I will confess I was looking at a Bank of Scotland statement as I typed that message.

Your statements may not appear with a page number for two reasons, 1 it's Halifax, not BOS so they possibly don't have this info, or 2 - you only get a one page statement every month (sometimes my statements will have 2 pages, hence they say page 1 of 2, though on thinking about it, they do also confirm page 1 of 1)

And before people start saying that BOS and Halifax statements might be completely different, I can say with confidence that they are not having previously worked in an office which issued the duplicate statement requests, they are virtually identical.

The only big differences between them is the logo at the top and the contact numbers on the back.

Mikeyorks

It is Halifax - and the archived Statements do only cover one page. I do recollect they used to say 'Page 1 of 1' etc ..... but they appear to have dispensed with that in favour of an ascending 'Statement Number' (I'm around 150, currently!

But I suspect you're right .... the page numbers the OP is seeing are as a result of Halifax doing this on request .. and it therefore creating a file to print from.

joannet143

In relation to the BIC aand IBAN numbers.... the roll/sort/account numbers are underneath the Halifax logo, Under that you hac BIC and under that IBAN, and under that page 30 of 40, but there is nothing printed next to the BIC or IBAN.. What are they, should they have something next to it?? Do they mean anything?? From what you've said, there should be numbers next to them, is that right? We have asked for copies of the statements for months, she has been obstructive throughout, and as we thought she had edited the initial statements she provided we asked for the originals, she refuses to provide them, she has ignored Court directions throughout, she knows how to play the system, having worked in that environment for years, along with the backing of Barrister b/f!!

gazebo

The IBAN number is used for international receipts to an account I think (it's asked for when processing certain foreign transactions)

BIC number, pass.

On the original statements I have, these details are present. I also know that if you call your bank to request your IBAN number, they will not provide this over the phone, they insist you check your statement or get a duplicate statement.

I cannot comment any further on if these statements are genuine or have been edited.

My best suggestion now would be that you take the statement to your nearest Halifax branch and ask for a member of staff to just look at the statement and give you an idea of it's validity.

They will not be able to confirm any of the transactions to you if you are not the account holder though.

I cannot give you any more information than already provided.

It does sound like these are dodgy, but I would also stress that whilst she is playing hardball, your solicitor should also know what they can do to ensure the correct information is provided.

joannet143

We've been to the bank a couple of days ago - Under Data Protection they weren't able to go into her account to check - I didn't expect them to provide detail, I understood that, but she couldn't confirm or refute that the statements had been edited, although she did state they looked unusual!! So none the wiser from there, i understand that she has had the statements sent through at a later date which is why there are so many pages.. and go from page 24 of 40, 25 of 40 etc...
The solicitor hasn't said anything, he obviously dosen't know if they are edited either, so how can he give accurate advice to be fair..i'd rather do the work.., the ex is delaying with every trick in the book - She did the same with the divorce apparently... Could it be that the transaction details are archived?? And, therefore not detailed, or (the answer i'm looking for)She's edited them!! - Seriously, thankyou for all your comments so far, thanks for the time you've taken to read and reply to my posts.. Lets keep it coming!! x

Mikeyorks

Mine are archived (Halifax do it online for 2 years) ... and they're faithful copies of how you would get them on paper, if you didn't opt for 'paperless'.

If chunks of description are missing .... they've been edited. Whether deliberate or inadvertent - you need to decide. But if these are fundamental documents to you ... you have to insist on originals. As there's enough doubt with the copies to make them valueless. No one else will accept uncertified copies as proof of ID etc!! So, as proof of income / spending ..... they're not worth the paper they're on.

Icanandwillsavemoney

The BIC and IBAN numbers - one is for international transactions and the other identifies the individual branch where ever it is in the world. Each branch in every bank in the world has a unique number to identify it so when you make a International transaction it hits the right branch of the right bank in the right town in the right country.

Back to the statements, I agree with an earlier post in that you should request certified copies from the bank via your solicitor. Detail the dates required as a reference and basically demand the transaction detail for the gaps.

Hope this helps.

joannet143

Hi everyone, this is still rumbling on i'm afraid, but we need more help... Greedy i know!. Now.. Are you ready??? I'm looking at page 24 of 40, (the first page she provided) it starts "Balance bought forward which i thought was the account balance from the previous page...I have listed the beginning and end of the page that is confusing me.. The numbers and bits in brackets are what they relate to. They are however, obviously, just a list of numbers in the relevant columns on the statements...

BALANCE BOUGHT FORWARD: 1904.64
1.(Date)10/08/06 2.(Description) Cheque - 100891 3.(payment)7.95 4. (Receipts) blank 5.(Balance) -1,273.15
There is then a list of 28 transactions on page 24 of 40, the final one being:
1.(Date) 21/08/08 2. (Description) Direct Debit - (blank detail) 3. (payment) 31.23 4. (Receipts) blank 5. (Balance) -1508.18
Balance Carried Forward 1,661.66

The following page, pg 25 of 40 starts:
Balance brought Forward 1661.66, the next transaction again takes the figure into £-1516.51, the final transaction takes the account to £-1402.14, however the Balance Carried Forward is £1767.70..

Page per page, it starts on a positive, has transactions that end in massive negative figures and at the end, the balance carried over ends up on a positive?? But the transactions don't reflect this...This is still in the area where transaction detail is missing....
The statements are addressed to her new address, so are not original statements, and are print outs... I know this is a lengthy post but your replies are soooo helpful...

Oh,and on these copies, the IBAN and BIC are missing, having checked the other disclosure statements, they are there.. What's that all about!!

HELP! Again.... x