do you feel lucky punk? well do ya!??

[kingkee]

has anyone tried or can anyone hazard a guess at what my chances are of taking halifax on again for a second time? They settled before but hit my account with £195 of charges in 2 months!

Granted this is my fault for being a fool, but there is no way on THIS earth that they require £39 to "cover their costs". What costs? Sending an automated email? Or sending a "denial" to the calling transaction? I expect to pay something, fair enough, but not £39!

 

Anyway, what do you reckon? Should i give it a go?

 

Also, if you start a small claims against them and the court favour the bank, do i just lose my £120 or do i have to pay any other costs? I am willing to throw £120 at the courts and enjoy the ride.

 

Cheers all

 

K

[callumsgran]

the court wont favour the bank, I'm surprised you still have an account with the halifax! but i'd definitely go for the additional charges, its your money! good luck

[kingkee]

my problem is i don't know how the scenario works? do i have to go to court? do i have to provide any more details other than what is on the claim form? Will i get an opportunity to stand up in court and say "you want the truth? you can't handle the truth!!!!"?

 

I'm still with them as i was in the process of moving direct debits and standing orders. as soon as they are moved i am going to keep them. i like a cash only account where i put my monthly spending money and NOTHINg else. Until i can find another candidate. I really am rubbish with money. most evident i'm sure.

 

thanks for your reply.

 

i sent a letter to the manager about a month ago and no reply. Now i want to hit them with the court, but i can't remeber whether i am supposed to wait 40 days or if there is a step i'm missing. The link i had to all this has since disappeared. THIS disappearance is what made me think twice.

[callumsgran]

if you know what your charges are and you've sent a prelim letter you should now send an lba letter giving them 14 days before filing a claim ok?

[One of Them]

If you've already settled the last claim and been charged again, if you claim it back they will give you 30 days and close your accout.

[kingkee]

sorry about not replying sooner. I lost my login details. anyway, thanks for your help. lba letter? what is lba? 30 days then close my account? hmmmmm, not a problem, i am using a different account now.

 

Thanks again all!

[JonCris]

sorry about not replying sooner. I lost my login details. anyway, thanks for your help. lba letter? what is lba? 30 days then close my account? hmmmmm, not a problem, i am using a different account now.

 

Thanks again all!

 

Sorry to be blunt but PLEASE read the FAQ's Then if you still have a problem understanding everyone will try & help.

[kingkee]

FQA? Frequently Questioned Answers? I know FAQ.....Letter Before Action. Cheers!

[JonCris]

smarty pants check again!

[kingkee]

Very good!!! I hope the banks aren't as tidy as you...

[JonCris]

We all do & much of the time they aren't The muppets!

[michelefauk]

Hi

 

i am on Round 2 with the Halifax. They settled my first claim end of June, now have taken another £300 in charges. Sent prelimary letter and LBA to which no reply at all, not even a standard letter, have now sent them another letter telling them I am taking court action again,still nothing from them. Court papers sent off friday so watch this space!

[kingkee]

very strange. in my case they have not replied to anything either. very odd. I will give them their 14 days and unleash the moneyclaim!