Halifax charges -£39

catalonia13

thanks again Fedz, I'm still laughing about them 'kisses', I've had a really naff day worrying about all this but they have made my day! ) always better to gtb with a smile on your face eh?!

chickadee

MarkyMarkD wrote:

It doesn't prove that at all. There's no need to be offensive to other people even if they are provocative like THE ROCK.

All it proves is that they didn't attend in court. Previous posts from an Abbey employee stated that they didn't receive the notice of claim and hence didn't know the case had gone to court. The same post also stated that Abbey were going to appeal it.

....or maybe it just indicates that it would be more cost-effective for Abbey to pay the damages (max £2,000?) than hire a solicitor, get a proper decision and risk setting a precedent for all of the other banks?

By not attending court, they can claim that the case was won on a technicality and still retain their sparkly white image?

tinalives

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FruGal_2

The Halifax did some months recently make a policy decision that halved the charge for some of the pro forma letters.

fluff_2

halifax! dont even go there!!!!!!!!!!!!!! bank charges attrocious.sending you letters,etc.all banks the same now.they are all getting out of hand!!!!

catalonia13

MarkyMarkD wrote:

Catalonia

Getting back on track, you said in your OP that the charge arose because a BACS credit you were expecting arrived late.
It isn't Halifax's error, so why are you harrassing them?
The correct approach is to demand compensation from the person who made the BACS payment late.

I have never ever stated that my lack of funds was the Halifax's fault, to the contrary, if you read my OP.
Nor do I think one email (so far) constitutes 'harrasing them', I am, again if you read my OP, objecting to the extent of the charges, I don't object to, and would expect to pay for, a reasonable amount for their inconvenience.

I have also discussed, quite amicably, and certainly not demanded, this matter with the CEO of the company responsible for the late BACs who will refund me any charges, be it £39 or a lesser amount without question. OK?

Tony_H_3

You are in a very fortunate position of being able to truely test this letter theory then, on one hand you are assured by the company in question that they will cover the charges (Whatever they may turn out to be ??? ). You are also in a position to test this letter safe in the knowledge that if it does fail the charges will be covered anyway.

Goodluck to is what I say.

catalonia13

Hi Tony,

not quite! The company will refund the bank charges of up to £39, but not the initial court fee of £20, or the whole court costs (k's) if I lost my case......!

dchurch24

If you lose the case in the small claims court, you do not pay the winning party's costs.

HelenR_3

THE_ROCK84 wrote:

And what about the cost of damaging the banks rep because of unpaided DD and cheques! £30 is easy justified in my opinion.

Which bank do you work for ?