jones vs halifax**WON**

[gary33000]

Hi im new to the site and was trying to open the interest calculation spreadsheets but they are not letting me is that down at the moment or is it my pc thanks

[clarry]

I am having the same problems.... can anyone send them to me?

[gary33000]

Hi i have just sent the preliminary request letter and i have recieved this reponse.

 

YOUR BANK CHARGES

thank you for your recent complaint. I am sorry you are unhappy about the charges which have been applied to your account.

 

OUR INVESTIGATION

 

I have carried out an investigation of your complaint and I am satisfied that the charges have been correctly applied to your account. This letter explains the reasons behind my decision.

 

Why you have been charged

when you opened your account,you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the terms of the account.from time to time, we have also sent you information about the current level of charges. this information formed part of your agreement with us and we have applied them strictly according tothe terms agreed. we apply these charges because when customers have insufficiant funds in thier account to cover a payment they have asked us to make,this means additional work for us. As a result,we feel it is reasonable to charge for this service.

 

how we can help

if you continue to manage your account in this way,future charges will be applied to your account.we know you do not want this and we would like to work with you to help you avoid these charges altogether.we offer free banking,which means your account is free of charge,as long as your account is in credit or within an agreed overdaft limit.To ensure your account remains free of charge,it can help by keepnig a running check on how much is in your account.Yopucan get an up-to-date balance at any of our cash machines,over the phone and online.

 

outcome

I am sorry to advise you I am declining your complaint.I hope I have explained the reasons for my desicion.

 

If you have employed someone to handle your complaint on your behalf,please note the following

halifax does not charge you to investigate your complaint

halifax will not be liable for any costs incurred if you do decide to employ a third party to hadle your complaint during this review

in the event any payment was identified as due,in general halifax will only make payment directly to the complainant

should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right.we are keen to resolve your concerns,if we are unable to do so we'll provide you with details of how you can contact the financial ombudsman sevice for help.if i dont hear from you in the next 8 weeks i will assume your happy.

yours sincerely

elijah bailey

 

so if any one can give me some advice i would be gratefull

thanks

[gary33000]

Hi i posted a thread for advice on how to handle a letter i have recieved in my other thread jones vs halifax yesterday at 14.00 and i havent recieved any replys should i ignore this letter i.e is it a standard letter.

[Dusary]

Hi Garry!

 

Best to stick to one thread IMHO.

 

That way - you can always BUMP your question.

 

I'll go now have a look.

[**Tilly**]

hi yea yees its just there standard fob letter i got one today and i filed my claim just carry to your own timescales just shout if you need help there is always someone around to help

[Dusary]

Garry,

Tilly got there before me!

 

Yup - that's right.

 

Proceed onto next stage!

 

Good luck!

[sea-sidelady]

This is a standard letter, so yes ignore it and carry on with your claim.

 

If you dont get a response to a message, just use the word "bump" and your thread will be put back to the top of the list.

 

It gets very confusing when you start multiple posts.

[kennythecelt]

Dusary to the rescue once again.

You are in safe hands Gary. Better to have one thread and then everying is in the one place and someone can look through it and help.

Teamwork here is excellent- thats part of the route to success!!!

[Bookworm]

3 threads merged.

[gary33000]

thanks all for your prompt respose this has settled my earlier fears

[gary33000]

Just thought id quick update you ive sent the letter before action been a week so far and no word back from them as yet,just hoping we dont have to go down the court route but knowing my luck we will have to

[Dusary]

That seems to be their standard response - no acknowledgement, no reply, no apology.

 

So, like all the other CAGer winners - press on!!!!!!!!

[gary33000]

do you think i should ring them to try and sort it out over the phone or at least check that they have recieved my letter before action

[moneyhelp]

Nope... move on to your N1

[gary33000]

JUst spoke to halifax because letter before action 14 days is up tommorrow and was hoping we could sort this out and was told your letter of the internet is wrong we have up to 8 weeks to look at your case so whoose right shall i file form n1 tommorrow or not

[moneyhelp]

Yes file - I was told this yesterday, they are trying to fob you off!

[gary33000]

Hi just submitted my N1 to the court with my spreadsheet so just sit back and see what happens now hopefully doesnt take to long as cars just broken:)

[Dusary]

He! He!

 

My tax disc ran out yesterday, and my MOT.

 

I'm driving my car down to Perth to have it serviced there tomorrow.

 

The bill will probably be +£700.

 

AM I WORRIED?

 

NOT!

[gary33000]

just had letter offering me half of the claim rang them up and declined and they offered me the full amout excluding interest that will do niceley thanks all of you a donation will be on its way:)

[livelylad]

Congratulations, I shall change you thread title to Won.