Financial Ombudsman

[townley8687]

This is a really useful site, I've started corresponding with the Halifax with a view to get about £2k's worth of charges back. Having sent an initial letter with this request, and received a standard letter back stating, amongst other things,

 

'You have agreed that you have incurred the costs due to numerous reasons where your account has not been conducted properly. The decision stands that we will not refund these as they have been applied in accordance with our advertised charging policy and therefore your account should be maintained in a way as not to incur them'.

 

Enclosed was a leafet and a paragraph in the letter advised me to contact the Financial Ombudsman Service for assistance in resolving my problem.

 

Has anyone gone down the Ombudsman route to get a refund, or is it advisable, assuming that, having sent a further letter with a schedule of charges to the Halifax, if they don't give me my money back, to go straight to the Small Claims Court.

[townley8687]

This is a really useful site, I've started corresponding with the Halifax with a view to get about £2k's worth of charges back. Having sent an initial letter with this request, and received a standard letter back stating, amongst other things,

 

'You have agreed that you have incurred the costs due to numerous reasons where your account has not been conducted properly. The decision stands that we will not refund these as they have been applied in accordance with our advertised charging policy and therefore your account should be maintained in a way as not to incur them'.

 

Enclosed was a leafet and a paragraph in the letter advised me to contact the Financial Ombudsman Service for assistance in resolving my problem.

 

Has anyone gone down the Ombudsman route to get a refund, or is it advisable, assuming that, having sent a further letter with a schedule of charges to the Halifax, if they don't give me my money back, to go straight to the Small Claims Court.

[BankFodder]

 

Has anyone gone down the Ombudsman route to get a refund, or is it advisable, assuming that, having sent a further letter with a schedule of charges to the Halifax, if they don't give me my money back, to go straight to the Small Claims Court.

 

The latter is the recommended route.

The former produces flannel

[BankFodder]

 

Has anyone gone down the Ombudsman route to get a refund, or is it advisable, assuming that, having sent a further letter with a schedule of charges to the Halifax, if they don't give me my money back, to go straight to the Small Claims Court.

 

The latter is the recommended route.

The former produces flannel

[apples]

I have had a letter of offer from the halifax which is less than half that I am claiming back, they suggested that I get in touch with the Financial Ombudsman which I have done, I am now waiting for a reply from them, will let you know.

[daverainy]

Have you sent the Halifax a letter before action? Send them a letter stating you want a full refund plus interest within a certain time or you will file a court claim. If that does not produce the required result, then process a MoneyClaim. Have a look in the Bank Templates Library for the most suitable template.

[tonyevic]

The Ombudsman will not get involved with contract or legal disputes - the Ombudsman is purely a mediator if you cannot get a complaint resolved between yourselves.

 

 

Forget the Ombudsman....they 'SUCK' and as 'imported' righlty says..they wont be interested

You will be better off to sticking the templates/time schedules

[thesergeant]

Continue with your claim, after which of course you can send a letter to the OFT re revoking consumer credit licence

 

Regulatory Section

Consumer Credit Licensing

Room 1C/5

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

Fax 0207 211 8429

 

 

Failure to comply with direction 5 April 2006

 

 

 

Dear Sir/Madam,

 

I wish to inform you that I do not consider Halifax plc to be a “fit and proper person”, therefore this organisation should not hold a consumer credit licence.

Since June 2006 I have requested Halifax plc repay excessive and unlawful bank charges, which they had taken from my account. They refused to do so, stating that the charges were a true reflection of there costs incurred regarding my administering of my account. The charges were for the sending of a computer generated letter notifying me of an overdraft or a refused direct debit. The charges levied were £39.00 on each occasion. By way of the service of a subject access request I discovered that no manual intervention took place on my account.

It is apparent that Halifax plc are purporting that the charges levied on its customer accounts are lawful and a true reflection of the costs incurred. This is not the case, Halifax plc are merely profiteering at its customers expense. The charges levied are far in excess of any cost incurred by them; a fact that they are well aware of. Despite much press coverage and numerous claims against them, Halifax plc continue to levy such charges.

I would contend that the actions of Halifax plc are tantamount to a criminal deception.

I ask that you investigate this matter and consider revoking the consumer credit licence of this dishonest organisation.

 

 

 

All the best

[Armsoft]

Continue with your claim, after which of course you can send a letter to the OFT re revoking consumer credit licence

 

Regulatory Section

Consumer Credit Licensing

Room 1C/5

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

Fax 0207 211 8429

 

 

Failure to comply with direction 5 April 2006

 

 

 

Dear Sir/Madam,

 

 

 

I wish to inform you that I do not consider Halifax plc to be a “fit and proper person”, therefore this organisation should not hold a consumer credit licence.

 

Since June 2006 I have requested Halifax plc repay excessive and unlawful bank charges, which they had taken from my account. They refused to do so, stating that the charges were a true reflection of there costs incurred regarding my administering of my account. The charges were for the sending of a computer generated letter notifying me of an overdraft or a refused direct debit. The charges levied were £39.00 on each occasion. By way of the service of a subject access request I discovered that no manual intervention took place on my account.

 

It is apparent that Halifax plc are purporting that the charges levied on its customer accounts are lawful and a true reflection of the costs incurred. This is not the case, Halifax plc are merely profiteering at its customers expense. The charges levied are far in excess of any cost incurred by them; a fact that they are well aware of. Despite much press coverage and numerous claims against them, Halifax plc continue to levy such charges.

 

I would contend that the actions of Halifax plc are tantamount to a criminal deception.

 

I ask that you investigate this matter and consider revoking the consumer credit licence of this dishonest organisation.

 

 

 

All the best

 

 

Excellent Letter, might use this against Abbey, Halifax & Capital One

[townley8687]

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