2nd Claim with Halifax

[DGF]

In September last year I won my claim with the Halifax (after they settled out of court), but then in December I received another charge which took me over my overdraft. This resulted in me being charged again and again. In the end they took £213.00 in December because 1 of their charged took me overdrawn. I decided to do a 2nd claim with the Halifax for the £213.00. After sending the LBA I received a letter saying "I note you have previously accepted a payment in full and final settlement of your complaint regarding bank charges on your account. At that time we advised you that any future charges would stand, therefore I am unable to agree to your request for a further refund".

 

Can I now continue to take them to court for my 2nd claim or have I hit a brick wall because they stated in my first claim that any future claims would stand?

 

Any help on this would be much appreciated.

 

[bongobaz]

just continue as normal!

i have claimed twice from halifax and now am starting the third!

[DGF]

Did you get the standard letter stating any further charges would stand? And did you end up taking them to court?

[bongobaz]

i got a standard letter after the prelim then they paid in full after my lba the 2nd time

just had the standard letter from the 3rd prelim so lba goes out next week!

[DGF]

OK Thank you.

 

My LBA letter crossed in the post with their decline letter so should I send the LBA again or wait 2 weeks before action?

[sea-sidelady]

You dont need to send another lba. Keep to your times again on this claim.

[DGF]

Thanks. So I sent the letter on 30th May, should I wait until say 16th June before doing a MCOL?

[sea-sidelady]

The 14th will be ok.

You only have to give them 14 days.