Won

[chadam]

They have arrived but they are non understandable. They have sent me a reprint dummy? Which is basically alot of numbers and dates and i don't understand how i am expected to know what are chargers as it dates back to 1998 and they have changed in value since then. Please help me sort through this mess!

[richardc]

Go back to them and ask for an explanation/guide.

[Seminole]

Also see Bookworm's sticky post above entitled Investors Report.

[BankFodder]

If the statements don't have the detilas on them than you shold write back tersely and tell them that you conisder that they are being obstructive and that you will send a cpy of the statements on to the IC for him to decide upon.

[chadam]

Where have all the template letters gone i cannot find them anywhere and need them ASAP

[Guest stephen]

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

[susanm]

Under bank Libraries, straight under cag

[chadam]

So i sent my intial letter asking for copies of statements which i recieved then i sent another letter stating how much the fees were and that they had 14 days to reply otherwise i would send them another letter. It has now been over a week since the 14 days finished so i am unsure now what letter i send out and what the process is from here. I would really apprechiate any help on this. Thanks

[Bovvered]

You should now send a letter before action giving them another 14 days before you file a claim

[alanfromderby]

There is a step-by-step guide in the FAQ's.

[chadam]

Does anyone know the address for the Halifax credit card dept?

[chadam]

I have an account with Intelligent Finance which is associated with the Halifax who do i go through to make claims and gets statements etc. Is it the Halifax address?

[cookie0117]

i was just looking to do the same thing, i`m going to send it to the address in the cheque book:

PO Box 1717

Livingston

EH54 7AZ

 

i`ve sent a letter to that address before and they got it.

[chadam]

Can you please advise me of what to do after a lengthy process i have finally recieved a comprehendable response from the Halifax. Basically the letter starts by saying that:

'they have tried to contact me by phone? It states that like other organisations they incur costs for every transaction made.Regardless of the shortfall involved when direct debit's arent paid etc. They say that they clearly outline there charging policies in the terms and conditions when you apply for an account.The terms and conditions of my account state that there must be funds in my account to cover my transactions. They cannot be responsible if i have authorised payments against funds that were not available. Ultimatly it is my responsibility to manage my account. However as a gesture of good will they are prepared to refund 84.00 of charges in full and final settlement of my complaint'.

 

Ok so what to i do? The charges that i am actually complaining about are £2352.00 and that dosn't include the interest. I have sent them letters from your template so they had clear instructions.

 

What is my next step do i sign or take it further and if i do what do i have to do?

 

Also would be really interested in the Trevor Mc Donald Documentary.

[pmhread]

Carry on with your own timetable. What you have there is a basic template letter being sent to everyone... not long to go now!!

[chadam]

Thanks but i don't know what the next step is?

[chadam]

Can you please advise me of what to do after a lengthy process i have finally recieved a comprehendable response from the Halifax. Basically the letter starts by saying that:

'they have tried to contact me by phone? It states that like other organisations they incur costs for every transaction made.Regardless of the shortfall involved when direct debit's arent paid etc. They say that they clearly outline there charging policies in the terms and conditions when you apply for an account.The terms and conditions of my account state that there must be funds in my account to cover my transactions. They cannot be responsible if i have authorised payments against funds that were not available. Ultimatly it is my responsibility to manage my account. However as a gesture of good will they are prepared to refund 84.00 of charges in full and final settlement of my complaint'.

 

Ok so what to i do? The charges that i am actually complaining about are £2352.00 and that dosn't include the interest. I have sent them letters from your template so they had clear instructions.

 

What is my next step do i sign or take it further and if i do what do i have to do?

[natalie]

Was the offer in response to the LBA or the prelim?

 

If it was the LBA I would start you moneyclaim now and sent a short letter stating that you will not accept any less than the full amount as settlement.

 

If it was the prelim send the LBA again adding a line stating you will not accept any less than the full amount.

 

They will pay up, they just play games to try to get you to back down first.

 

Natalie

[alanfromderby]

MOD NOTE: Natalie's advice is spot on - but could I just add that it would be helpful if you could keep your progress to this thread (which has just been merged into your previous ones). It makes it much easier to follow your progress.

[chadam]

Well after 3 months and some persitance i have finally had my money refunded along with my court costs of £110. I recieved £2262 plus my court costs and didn't even have to go to court i simply had to submit my intial claim and within a week i got my money. What an excellent result. I now recommend and advise all my friends. Keep going and be persistant and on the ball!

Good Luck!

 

Charlotte

[lisachambers1961]

i can't find the template letters - sent 1st letter asking for copies of statements on 20th July, had reply within a week saying they were dealing with the request but nothing since - it's bee over 3 months. need to know what to do next - can't find step by step instructions either.

[bearo]

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Please start your own thread also thanks!

[chadam]

This topic was closed on 03/07/19.

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