121o121 v Halifax CC ***SETTLED IN FULL***

[121o121]

With my LloydsTSB bank account claim settled, I'm eager to start on both my credit cards now, Halifax & Cahoot.

 

I made a subject access requests to Halifax a few weeks back, and have today received my statements. Pressumably the two fee's claimable with credit cards are "overlimit fee's & late payment fee's"?

 

Regards

[gizmo111]

Yes - thats what I have claimed on Citi.

 

Good Luck

[121o121]

Thank you Gizmo111.

 

I'm even more determined with the Halifax as they are the only ones to cash my £10 cheque!

[Aaronsdad]

Make sure you claim that tenner back too!

 

A D

[121o121]

Top of my list mate!

[121o121]

Prelim sent 8/12/2006 for £565.00.

[AppleCrumble]

hi 121

just a quick question, did you get all your info from your SAR in one lump?

I'm really perplexed as I got mine today but all I have is from 2003 - beg of 2006, just wondering whether to hassle for the rest of it they might come seperately?

good luck with your claim

[121o121]

Hi Applecrumple

 

My statements start from 2003 and continue till present. I estimate I am missing approximately 2 years worth (2001 - 2003). I have sent a non compliance letter and suggest you do the same.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

[AppleCrumble]

wow, speedy reply thanks very much 121!

It was a really rude letter, just addressed me by surname, no Ms, and wasn't even signed HUMPH!!!

non compl letter off toot sweet!

[121o121]

Halifax are the only ones that cashed my £10 cheque so it's even more important I get all my statements from them.

 

I have sent my prelimary letter as I can adjust the amount right up until I file the claim. That gives them 28 days to forfill my request.

[121o121]

LBA printed and ready to send tomorrow.

[hillards]

Enjoy the trip to the Post Office (you are sending it registered?) LOL

[121o121]

No, I won't send it registered. All my letters to Halifax, Cahoot & LloydsTSB have been normal 1st class to date.

 

That'll get there....

[121o121]

Have received a letter from the Halifax this morning.

 

It says that my account was opened on the 1st of April 2003. However I know it was opened before then.

 

I had reported my card lost/stolen once and I was given a new account number. I'm presuming that the statemetns they've sent relate to just my new account number and not my old one.

 

If this is true, I presume I would need to write to them again with the old account number (if I can find it) and send a seperate SAR? Aslo it would be 2 claims to start?

 

Has anyone else had experience of this?

[hillards]

Probably worth giving them a call. There should have been a name on the letter they sent to advise they were sending statements out, although there may not be a number. Try 01422 380880, the main switchboard at Trinity Road.

 

If you can find the old account roll number then ask them to provide details on that as well, pointing out the problem that caused the account to be changed.

 

Depending on the total, you could lump them together in your claim. Just keep the details seperate so they can also do the calculations.

[121o121]

thanks hillards, thats a job for the new year.

[121o121]

Sorry for the lack of update....

 

I have today received (in response to my LBA) a letter saying...

 

"To demonstrate our commitment to you as a valued customer I have refunded your account with £565.00 which represents the total charges on the account."

 

Its the full amount I asked for, with no conditions attached and I didn't even start the MCOL.

 

RESULT!!!!!!!

 

Another donation on its way!

[hillards]

Oh, that's not on!

The rest of us were not valued customers then ???

Seriously though, well done on your win!

[121o121]

Thanks, I'm not sure why they've done it.

 

Reading other threads it doesn't appear to be the norm for Halifax, but I'm not complaining.

[jonni2bad]

Great news - congratulations!

 

(Don't forget the SURVEY too...)

[doo]

CONGRATULATIONS......

 

Also quick question, are their any implications on claiming for credit card charges, was wondering whether to do hubbys but don't want to loose card facility or have credit limit reduced.

[121o121]

hi doo

 

well i never had my account closed or my limit reviewed, but i cannot guarantee they won't. have a look at your card issuers sub catagory and see how they deal with their claims.

 

good luck.

[doodlepip]

hi, just received credit card statements from the Halifax this morning, but only upto August 2006. I called them up and they said after 2006 they were only charging the £12.00 pound charge and would not be refunding those charges. Is that correct or can I claim for those aswell.

 

Also did you only ask for 8 % interest , as they have charged purchase interest and also cash advance interest and have shown the interest rate on the statements. Should I be asking for the 8% on top of those each month

 

I know I sound a bit thick, however I already claimed through my bank account and got full amount plus 8% and costs. Dont want to rock the boat but some of the purchas interest is as much as 15 a month.