Kier1986 v Halifax - SETTLED IN FULL

[callumsgran]

hi kier, have you started a claim against them? can you pay off the account? if you can i would then claim it all back off them if not be patient someone on here will get back to you! i dont deal with halifax so am not familiar with their tactics, but someone will help i'm sure. DONT PANIC! that may well be what they want you to do, also if you havent already open a parachute account Diane

[Kier1986]

I haven't started it because I didn't have the £50 fee! I have it today and depending on what advice I get I'm off to file the claim! What a rude awakening this has been! On such an un-holy day! 6/6/06 !! Not my day is it?

 

AND I have my theory exam today

[dan-rides-bikes]

1. do you have an other accounts with Halifax ?

2. do you have any benifits\wages paid into this account ?

 

i would write them a letter if what they owe you on this account is more than the debt stating that the debt is in dispute and you will not be making payment until you are happy with the situation

[Graeme Barry]

to be honest i think your account needs to be out of red to claim, if i was you i would clear overdraft change banks (will prob close your account anyway after claim) then continue with your claim

[Faustus]

They're trying to bully you. As already advised. Write to them, offer to pay the overdraft off with an amount you can afford. Make it clear that you are paying them off but you will reclaim all the charges levied that have pushed you into overdraft. Inform them that you are reporting them to the OFT for harrassment and bullying. Inform them that you are charging them £39 for your adminitstrative costs and you expect to fund your account accorrdingly. Get a new account and move. Look at a S10 action to stop them from processing any information about you to Credit Reference agencies.

 

Keep EVERY single letter you write or they send to you.

[dan-rides-bikes]

no your account does not need to be out of the red to claim

 

if what they owe you is more than the current level of debt - write a letter disputing the debt and carry on with your claim

 

or set up a payment plan with them - at the end of the day the bank wants their money back, but so do you

 

offer them a token payment if they require some sort of payment

 

 

i currently have a halifax account which is £350 in red - and i have a payment plan with them to pay back about £7 a month

[strude]

Kier1986 don't panic, for now just think about you exam.

The bank wants exactly want you are doing PANICING so don't give them the satisfaction.

Someone on this forum will be able to help I'm sure.

Good Luck with your exam.

[Kier1986]

Thanks everyone, I've agreed to pay £30 a month starting on the 13th June to clear the balance and requested a stop on the account...Now I'm definately off to revise for my exam and then going to give in my N1 claim form as I have now got the £50! yaay Thank you all!

[blinkyblinkyblonk]

kier, i just saw your post and wanted to tell you my situation

 

I cant read your letters as they come up small on my pc! but I have had a notice of debt from the halifax, and threats etc, but I am in the process of setting up a payment plan to them,through consumer credit counselling service, , with regard to my overdraft debt, they sent me the letter ages after I sent them a notice of a debt management plan, which was in the pack from the cccs, obviously as usual they dont read it, so hence the Notice of Debt.

 

I see you have offered to pay them which is good, as i have done so, so i feel confident in claiming now as i have my overdraft debt covered.

so dont panic and good luck in your theory.

[Kier1986]

Right so Halifax owe my £469.03p and have made a "gracious offer of goodwill" of £137.00p :-|

 

Now excuse me if this sounds stupid but... WHAT THE HELL!? Why would I accept such a "gracious" offer when it wouldn't even cover the unauthorised overdraught?!

 

They must think I'm stupid!

 

Anyone else had any ridiculous offers?

[Bookworm]

Yep. B/card, looking at 2.5k, they offered me £60!!!!

 

PS: Can you please keep your updates and queries relating to the same claim to the one thread? I've just had to merge 3 threads, all relating to your Halifax claim!

 

.

[Kier1986]

haha! that's disgusting! I wonder who decides on thses stupid offers? Maybe they have some sort of low random number generator...or they all just pick the lowest possible amount that they think they can peeve us off with!?

[Kier1986]

That's only because the threads I make disappear! I'm sorry

[Kier1986]

Here's a copy of the reply to my "gracious" offer

 

Dear Mr Robertshaw,

 

Thank you for your recent letter dated 6th June. I am only glad that after a month of me trying to contact someone within your company that you have found the time to do so.

 

I am sure you will appreciate that after nearly two months of correspondence regards the unfair penalties, in respect of charges, levied from my account that my patience has been amicable. However, it has now worn thin.

 

I would like to remind you of your “gracious” offer of goodwill as stated in your letter; “I am prepared to refund £137.00 of charges in full and in final settlement of your complaint.”

 

Firstly I would like to thank you for your offer, but I must turn it down. As I have previously stated; I calculate that you have taken £429.03p in charges from my account in the passed six months. Hopefully this will illustrate why I am both disgusted and shocked by your offer.

 

I would like to point out that I have filed an N1 claim form with my local Small Claims Court, which you should of received copies of on 7th June 2006.

 

I would like to take this opportunity to thank you once again for this offer and invite you to make any further offers that you feel are fair, before the 14 day deadline of my court claim (21st June 2006).

[Kier1986]

I've finally been offered a full refund on all bank charges plus interest!

[jonni2bad]

CONGRATULATIONS

This is great news, well done.

Would you please fill out our survey - Bank Charges Refund Survey

(and don't forget we can only survive if we get donations!! cough cough)

 

 

[mechs]

Congratulations, Kier ... you fought the good fight and won! Well done!

[blinkyblinkyblonk]

well done

 

fight the good fight!!

[Kier1986]

This topic was closed on 2019-03-08.

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