Itsme Vs Halifax 2 accounts

[itsmeandonlyme]

Hello guys,

i have been following the strandard procedure in claiming unlawfull charges and fees and after SAR, Prelim and LBA ,i finaly received a first letter from halifax offering me a full refund of fees and charges including interest.

Now, i still do not know what to do as i included contractual interest in my claim.

As per claim :

Unlawful charges clearly identifiable:

Solo account:£238.68

Visa Current account: £255.62

Contractual at 29.8% APR:

Solo account £248.96

Visa Current account £211.00

SAR £10

Stationary fees £3.36

TOTAL Penalty fee + interest = £ 967.62

The offer from Halifax is only for £238.68+ £255.62

i am going to read through all successeful Halifax claims to get an idea how many cases included contractual had been won... I also understand that there is always a risk that judge can throw my claim and i could get nothing.....

Can senior memebers of CAG please give some advise? It would be highly appreciated

Kind regards,

Maria

[itsmeandonlyme]

Thank you JonCris, i am going to phone tham tomorrow and see what they offer:)))

[itsmeandonlyme]

Where is the 29.8% rate come from?

 

The rate came from Halifax customer services assistant that told me speccificly how much is the unathorised ovedraft rate on my account.

 

 

I did phone today and spoke to 2 different assistants, that kindly told me that the max they could give me is £550( offer was for £495)...

Second very pleasant assistant said that they just do not pay any interest before the court claim....and kindly advised me to file the claim and than they will pay the interest...

 

Now, here is me sitting and thinking do i want more money and risk that judge will throw my claim with contractual interest or just accept what they owe me?)))))

 

it's a bit hard to find a successeful thread with contractual...will keep looking...

 

If anyone has any ideas...please let me know:))

 

 

 

Kind regards...

[itsmeandonlyme]

Hi itsme. I don't know of any Halifax people getting CI, but if you go to the "search" button which is underneath the forum detail. Click on it and type "contractual Interest" it should pull up some threads of people that have claimed it.

 

 

Thank you...will try it...it's not easy to make a decision, but i do not want to be greedy and loose.............

[itsmeandonlyme]

i would check with them tomorrow, could have done a mistake there:)))where are u with you claim?

[itsmeandonlyme]

Thank you Bong, for getting back to me:)))

I am going to send them a letter similar to your one and reject the offer.

 

and file N1....I am not going to drop CI (Thank you for the advise)

 

kind regrads

[itsmeandonlyme]

rejection sent...still thinking should had accepted or not......drives me mad...is it normal? or it's only me?)))))))))))))

[itsmeandonlyme]

oh..well...no reply from them...Now, just a simple question: do i need to file 2 claims for 2 accounts...or can i do in one?

 

 

thank you

[itsmeandonlyme]

Well, you're about 2 weeks ahead of me, keep me posted!

 

I'm lodging mine as 2 claims - one for credit card charges and 1 for charges on 2 bank accounts. Although thinking about it, I might just do it as one claim. Undecided yet.

 

hello monkey:)

I have 2 accounts and one credit card...with Halifax...Preparing LBA for the credit card...

With CC i added 8% straight away and advised tham if they wont settle before court i would ask for a contractual interest if i win...

 

 

kind regards,

 

 

Maria

[itsmeandonlyme]

whoah, hold on there!

 

Could you explain this statement to me further pls?

 

 

I found it on the Dave's thread and thought it's a great idea...As per his letter:

 

I have decided to add interest at 8% to compensate me for lack of the use of those funds during the period that you had wrongly taken them. I realise that you will say that your charges are fair and within the OFT guidelines.

 

The OFT have said that they won’t investigate charges BELOW this level, not that the charges were lawful and right; but if you say they are I WILL ask you to prove this in open court!

 

If I do have to take this to court I may choose to add contractual interest in the spirit of what’s good enough for you is good enough for me! This will obviously affect the total claim significantly.

 

 

I had changed it to suit my claim....but decided to post the original..as the idea it's not mine:))))))

 

 

What do u think?

 

 

regards,

 

Maria

[itsmeandonlyme]

I did give it a good thought...

I am talking about Credit Card claim....

The current account i had started with contractual from Prelim...

So ..not changing anything...

Contractual interest is risky as well....will see what they come up with....

 

I do agree with you...it's not usual to do so...thats why i asked for it in the CC Prelim....

 

 

regards,

 

 

Maria

[itsmeandonlyme]

Good new or not so good??

 

on the 29th of April got £725 refunded...to the account...not sure what should i do...need a good think...it's more than £550 offered earlier, but less than the amount i am claiming.....

 

x

[itsmeandonlyme]

Just an update, I had received a letter from halifax credit. They are not prepared to refund me anything at all. I will send a CCA request.

 

Question is: did anybody claim through court fees for time spent on the preparation, postage etc. I am claiming contractual as well.

 

 

 

Thank you.

 

 

 

Kind reagrds,

 

 

 

Itsme

[itsmeandonlyme]

Dear Hell,

 

you made me laugh:))))))))))

 

Well in my case i had sent a letter claiming contractual with all those neil biting costs and they refused to pay a penny.

 

So this is me thinking to get a copy of the agreement and file a simple N1.

When i spoke to them Ms Smith said that to get contractual i had to go to court:)) I wanted to say to her -i had just been there and didn't like it at all:)))

 

My Creation claim is still going....going to the court stage....

Sending you a little friendly kiss as i believe you left that very nice anon feedback:))

 

xx

[itsmeandonlyme]

Hello Hell,

 

 

U so funny:))) great sence of humour:))

 

Yesterday, i received a letter with offer of £150, as they say half of the charges applied to the account.

 

Well, will wait till the copy of the agreement arrives.

 

 

 

Who r u fighting with now?

 

 

Kind regards,

 

 

Itsme

[itsmeandonlyme]

Just a quick update, i have received an offer on my Credit Card: £312, which is 100% of all charges applied to the account, but it doesn't include any PPI charges, no interest..no nothing...

 

Question: can i accept the offer but still push PPI claim and interest(+ time spent, postage..etc)?

As they included that acceptance form...

 

 

Thank you...

 

 

Kind regards,

 

 

Itsme