Bookworm v Halifax - RESULT at last!!!!

[BankFodder]

.97 is only an example!!

you have to calculate your total claim. The calculate how much interest is making per day at 8% per year. It might be.27 pence

it might be .33 pence.

[Bookworm]

Right. Gotcha.

[Bookworm]

Moneyclaim online says "acknowledged"... B*stards buying themselves another 28 days .

[richardc]

Bookworm, anger really is a very negative emotion. Replace it with the will to win:rolleyes:

[Bookworm]

It wasn't anger, it was cynical fatalism

 

 

Reply received this morning, they intend to defend in full.

 

Meanwhile, they have just bounced a d/d due to their mistake in the first place. Grrr...

[richardc]

Moneyclaim online says "acknowledged"... B*stards buying themselves another 28 days .

 

28 days from date of service.

 

I'll bet they will cave in before you enter the Courtroom

[Spiceskull]

Hang in there girl - it's a further 28 days at 8% APR...

[Bookworm]

Thank you both. Yes, I know, it's just a bit disheartening that everybody else is getting their money, and some much bigger sums!!! *stamps foot* IT'S NOT FAIR!!!

 

Meanwhile, I'm skint, have a child burning with fever, and I want to cry. There. Not so tough after all.

[Spiceskull]

Here, borrow my shoulder for a few minutes if you really MUST cry...but I reckon you are made of tougher stuff, and you will save the tears until they are tears of joy...

[Bookworm]

More like tears of despair at this moment.

 

Have just returned from drs with sick child, DH informs me Halifac phoned with offer of settlement! They'll refund all charges bar one, says he-who-can't-get-a-word-in. What about court costs and interest? I don't know, says he, it wasn't mentioned.

 

So I call. This was customer services. Same offer. I said what about court costs and interest? What court costs, said he. I said I had issued court claim, which has been acknowledged, I assumed that's why he had called.

No, don't know anything about that, he said. There's no point in discussing further then, he said. We'll have to go through the courts now.

Well, that stumped me. I asked if he was really confident they would win if in court? Really? But he wouldn't get drawn to a comment. Sod.

 

So there we are, absolutely not 1 step further than yesterday. Oh well... It is quite scary that customer services was absolutely unaware that I'd already filed, and that the claim had been acknowledged!!!

[Che]

Thank you both. Yes, I know, it's just a bit disheartening that everybody else is getting their money, and some much bigger sums!!! *stamps foot* IT'S NOT FAIR!!!

 

Meanwhile, I'm skint, have a child burning with fever, and I want to cry. There. Not so tough after all.

 

I had a cry this moring whilst I was trying to get through to someone at the Halifax and I felt SOOOO much better after it, It also allowed me to be constructive whilst on the phone and take no crap from them and get a charge taken off!

[gothicf0rm]

oh customer service did the same with me, they called up and asked me what my problem was and how i could help. the difference between me and bookworm is i went off at the person for being so badly informed they were unaware i was taking the bank to court. what has happened though is that customer service are not allowed to negotiate legal issues so they will pass it to their legal team who will then make you an offer. im pretty sure the halifax does have mechanisms to deal with this and refund customers, but what they dont have is something that works fast enough to deal with deadlines people set so they have to pay out additional legal fees.

[Spiceskull]

but what they dont have is something that works fast enough to deal with deadlines people

Once they do get this in place, perhaps we should consider 7 day turnarounds...

[Bookworm]

Woo-hoo!!!!!!

 

I finally got my 1st refund!!!!!

 

Reason given: purely commercial basis, "it is unlikely that Halifax will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims track, in which costs are not generally awarded."

 

Now then. It also says "if you incur any future charges you wil receive 30 days notice and your account will be closed". Not "might", "will".

 

Interestingly enough, there HAVE been additional charges added since I issued my claim, and I was about to get on to that. I shall let you know the results, but first, I'm going to go read up the info about threats of closure I glanced through yesterday.

 

They have already refunded the money to my account, btw.

[Spiceskull]

No prizes for guessing who will be on the cherryade tonight - well done...!!!

[Bookworm]

And a 2nd result straight away!

 

Phoned Customer Relations about added and pending charges. Every single penny is being refunded or charges in the pipeline waived. to me!

 

On a more serious note, I went on about the retaliatory action of closing account, and since I had incurred more charges, what were they going to do about that then?

The answer was that since the charges were incurred before I got the letter, it didn't count, so to speak, and if I incurred any more charges from now on, then they would give me 30 days' notice. Ooooh, I'm scared .

 

Right, I'm going to write to the OFT now, I think. I warned them I would, fair is fair.

[Spiceskull]

The answer was that since the charges were incurred before I got the letter, it didn't count, so to speak, and if I incurred any more charges from now on, then they would give me 30 days' notice. Ooooh, I'm scared

They really haven't got a chuffing clue, have they ?

[Tinkerbelle]

hahahahahahaha Well done!!!

 

I'm so pleased for you! Reading this thread was like reading a mystery novel..you just didn't know what was going to happen next. It has also given me hope!

 

I'm waiting for some statements from the Halifax, and then I will be putting a claim in. I have estimated that they have taken approx £750.00 so far.

 

Once again, CONGRATULATIONS & WELL DONE!

 

 

p.s. Loving the dancing beans... hahaha

[brecken]

Well done, results like this make it all worth while, Im off work just now with a flu/ stress related virus, no doubt brought on by all this action, you have just made me feel much better, my money claim form goes in sat.

 

enjoy YOUR money.

[Bookworm]

And just for a cherry on top of this particular cake, letter to the OFT is now ready to post to complain about the threat to close my account.

[Spiceskull]

Well BW, you're certainly stamping. Are they apologising yet?

[HD]

Brilliant:D . When will they learn that these bully-boy tactics wont work? There are too many of us who can support each other to continue cowering under their threats.

[aisrael]

Excellent result Bookworm!!! Just in time for the easter hols. Enjoy it!

 

PS. where did you get those fab smilies

[jonni2bad]

Great result - this sort of news makes good reading for all of us in the early stages of our claims!!

 

Halifax here we come....

[Natasha]

well done bookworm lets hope this is one of many refunds!!