neilstapley350 vs Halifax *WON* :)

[neilstapley350]

Hi I have started the ball rolling requested may bank statements from the period 2002 to 2006 as initially I could not remember when I actually opened the account polited lady in the branch informed that they would would be a charge of £5 within 5 days they arrived and after totaling the charges up it came to £3019. Realising I could go back 6 years paid a futher visit to my branch to find out when the account was opened. I was informed that the account was opened in Dec 2002 which is strange as the statements I have got go back as far as June 2006 (Me thinks they have begun to smell a rat) well found out why now and have requested the full statements but this has been two weeks now so I think they are stalling. I have decided to proceed with the claim for the £3019 and have sent off the first letter.

Do you think i should have waited for the remaining statements to arrive or can I make a second claim when they finally arrive.

[LEGOLAND1]

Hi neil as long as you know the full amount when you put in your money claim then as you have started the ball rolling, just continue with your time table and update your schedule when the other statements come in. If they come before you send your LBA then just add aline to it stating that the charges have increased since the last letter due to recieveing new statements, which had new charges on them. Its what you claim on your moneyclaim that cant be changed. so good luck

[neilstapley350]

Cheers thank you will keep you posted on my progress

[neilstapley350]

Well still no statements and its been nearly 4 weeks now. Called them today regarding it and they gave me the usual response of been lost in the post. They have re-ordered yarda yarda yarda.

 

They will have recieved the prem letter today so let the fight begin.

[neilstapley350]

Well recieved the expected response and the expected leaflet well two infact one from the branch saying they have requested information about my account also saying and I quote.

 

"THESE CHARGES ONLY PARTIALLY COVER THE COSTS WE INCUR AND COMPARE FAVOURABLY WITH OUT COMPETITORS"

 

Would really like like to now how much it really costs them if they charge me £63 to pay £1.70 train ticket.

 

 

They also know this is not going to go away as they have also given me reference number for futher correspondance.

 

Do I ignor the letters and continue with the 14 days or shall I respond?

[LEGOLAND1]

Hi neil ,yes, this is run by your timetable so just stick to it I had almost the same letter then a few days later an offer was sent to me, its just stalling tactics. when their 14 days is up send them the LBA. Mine will be going recorded delivery in the morning.

Good luck.

[neilstapley350]

Well they are sticking true to the timetable recieved a letter to today offering £956 as a gesture of goodwill, which of course I am not excepting.

 

I have a few questions.

 

1) Can I merge the reject letter and the LBA letter.

2) Can I include in the schedule of charges the charges that have not yet been applied but know will be applied at the end of the month.

[Tinkerbelle]

Hi Neil,

 

Yes you can combine your LBA and refusal of their offer. There is a template letter in the library.

 

If I were you I wouldn't add those charges on as they haven't really added them to your account yet.

 

You can always add it when you come to filing your claim

 

Good Luck!

[neilstapley350]

Start the money claim today and I unsure weather to raise the claim against Halifax or HBOS.

[neilstapley350]

I am have started the money claim today and in the template in the particulars of claim it mentions that I will send another copy of the list of charges.

 

Do I need to do this ? Since the LBA letter was sent the figure has changed as more charges have been applied to the account.

[neilstapley350]

Recieved Acknowledgeemt of reciept yesterday morning from MCOL and yes you guessed it Halifax are going to defend the case.

 

__________________________________________________

 

09/09/06 - Preliminary letter sent

12/08/06 - standard halifax response received

20/09/06 - offer from Halifax for £959

25/09/06 - LBA sent

09/10/06 - MCOL done (£3178.81 Charges + £358.37 Interest)

10/10/06 - MCOL notice of issue recieved (Claim deemed served 15/10/06)

14/10/06 - MCOL notice of acknowledgemt confirming Halifax intend to

defend (Dated 12/10/06)

[LEGOLAND1]

they did the same with us but the following day the money was in our account so any day now. good luck.

[neilstapley350]

Hopefully. Been looking through the other threads and it seems that it happens with in a week give or take a few days so fingers crossed.

__________________________________________________

 

09/09/06 - Preliminary letter sent

12/08/06 - standard halifax response received

20/09/06 - offer from Halifax for £959

25/09/06 - LBA sent

09/10/06 - MCOL done (£3178.81 Charges + £358.37 Interest)

10/10/06 - MCOL notice of issue recieved (Claim deemed served 15/10/06)

14/10/06 - MCOL notice of acknowledgemt confirming Halifax intend to

defend (Dated 12/10/06)

[neilstapley350]

Settled in full

*****£3657.18*****

___________________________________________________________

09/09/06 - Preliminary letter sent

12/08/06 - standard halifax response received

20/09/06 - offer from Halifax for £959

25/09/06 - LBA sent

09/10/06 - MCOL done (£3178.81 Charges + £358.37 Interest)

10/10/06 - MCOL notice of issue recieved (Claim deemed served 15/10/06)

14/10/06 - MCOL notice of acknowledgemt confirming Halifax intend to

defend (Dated 12/10/06)

17/10/06 - Settled in full £3657.18

 

[Michael Browne]

Excellent!!

 

Please fill in bank survey... and maybe a donation

 

Well done, enjoy the dosh!!

[Tinkerbelle]

Well done and congratulations

[bearo]

Congratulations!!!!