First Letter Sent

[mas101]

Largely based on the template in the library

 

 

The Manager

Halifax plc

Trinity Road

Halifax

West Yorkshire

HX1 2RG

 

 

 

 

Dear Sir

 

Request for repayment of charges

 

ACCOUNT NUMBER: XXXXXXXX

SORT CODE: XX-XX-XX

 

 

My Request

 

Following my telephone requests at the end of last year, I am now writing to formally request a full refund of charges which you have levied from my account since April 2005. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

Your Responsibilities

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

Frankly, I am shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I am also alarmed and concerned to note, despite repeated telephone calls to your telephone banking centre, you have not even fulfilled your earlier “goodwill” gesture and reimbursed the charges agreed to in your letter of or around November 2005. I need hardly point out that your failure to act in this matter has directly resulted in further charges being levied to our account.

 

My Requirements

 

Following receipt of your IAR and close inspection of our statements, I calculate that you have taken £928.00 between 19 April 2005 and 14 March 2006.

 

Additionally I believe you have entered a default notice against our credit record, which has occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking, by you, of penalty charges which you had applied unlawfully to my account.

 

Therefore, in addition to full repayment of the sum mentioned above I require that you remove such default entry from the register in relation to this account. Please note that mere correction or amendment to the entry will not be acceptable.

 

 

Targets to resolve this matter

 

I trust that you will now enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive repayment.

 

If you do not respond or fail to respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

Yours faithfully,

[mas101]

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group