Halifax Packaged Account Claim***Successful***

[Ftgab19]

Hi all again,

 

I'm currently trying to put a bank charge claim for my friend,

I've stop because I need to find out if he can claim hardship.

 

When looking at his statements, I found he has paid a lot for his Halifax account. I asked him why does he pay?

 

He said he was told he had to get the "Ultimate Reward Monthly Account" to get an overdraft.

I've found online that this is textbook miss-selling,

he also doesn't use and has never needed any of the insurances with the account.

 

I'd like some advice on if I'm going the right way on this.

 

I've drafted the moneysavingexpert letter for claiming back the charges and worked out the 8% simple interest.

Not sure if you can claim the 8%, but i found a few sites saying you can.

 

I'm sure my letter needs a bit of work, I'll upload it with the spreadsheet.

 

 

My Letter:

 

Account Name: Ultimate Reward Monthly

 

Account No: 0000000

 

Dear Sir/Madam

 

I have had the above account since 07/10/2009 but believe it was mis-sold to me on the basis that, I was told at the time I had to get the account in order to take out an overdraft.

 

I calculate that you have taken £704.74 in fees, in addition to which I also claim 8% simple interest of £169.47 which totals £874.21. I am enclosing a copy of the schedule offees which I am claiming.

 

I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service.

 

Yours Sincerely

 

Friends Signed

 

Friends Name Printed

 

Thanks

Andrew

[Ftgab19]

Could anyone tell me if this letter would be ok to send?

 

I've seen people getting there claims a lot sooner then the 8 week time scale I'm giving the bank in my letter. Should I rewrite the letter?

 

Thanks

Andrew

[maroondevo52]

Hi,

 

Letter looks ok to me, you can only send it and see what they say.

[Ftgab19]

Is there anyway to go down the court for packaged account? My friend is going to lose his job soon and would need the money in at least two months. He can't really afford to be told no and take it up with the FOS who could take months to even look at it.

 

Thanks

Andrew

[Ftgab19]

Just to update

 

I sent the above letter and he got the money paid in two days.

 

I asked for £704.74 in fees and 8% simple interest of £173.03. I also gave them 8 weeks to resolve my complaint. They sent £781.12 in fees and £153.13 in interest.

 

Andrew

[maroondevo52]

That's great news Andrew, well done.

Your friend will be pleased.

[Ftgab19]

Thanks maroondevo52,

 

Can you update the title to let people know my friend won and the case is now settled.

 

Thanks

Andrew

[Andyorch]

Thread title amended to reflect the outcome.

 

Well done Andrew.

 

Regards

 

Andy

[Ftgab19]

Thanks Andy

[citizenB]

Well done

[intend]

Excellent - given me the boost needed to start a claim for my son-in-law with Lloyds.