Colour-me-happy v Halifax - SETTLED IN FULL

[colour-me-happy]

Forgot to add, the postman was quite bemused by all the envelopes so I told him all about bank charges being illegal, chatted to him for about 10 minutes and he got a pen and wrote down the web address!!

[mas101]

Thats great news.

 

Of course they havent really said that ALL charges are automated, they have simply said the majority of your charges are automated.

 

But of course, in your original request you asked for details of any manual intervention and they have stated none (other than refunds). I would say its great news!!!

[colour-me-happy]

Thanks, glad I'm not getting excited about nothing!

[colour-me-happy]

Something is not quite right....

 

I got my investors report last week Mar 2000 - Mar 2004 - 2 years missing, pushed them for my statements and have got the full 6 yrs.

 

I'm just going through my 1st account and according to the investors report I had been charged £1591 over the 4 years but according to my statements I have been charged £1565 over the 6 years!

 

I know for sure I have been charged almost £1000 in the past 12 months alone (still got all the letters they have sent/emailed me)

 

 

 

Does anyone know if they list them as something else on your statements?

 

I'm really confused :o

[colour-me-happy]

Re: the letter before action....

 

In the bit where it says -

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX

 

I have an overdraft anyway do I still claim the overdraft interest (I don't think I do but just want to make sure)

[SRF]

Classic - but I suppose even the lowest form of life has to eat occasionally...

 

A bit harsh i feel, its not exactly the guy at the call centre, or the girl at customer services who is lining their pockets with the money paid in charges, but the bosses who decide to impose them...

 

Just wonder what wonderful job it is that you do?

[missy]

Hi

 

I am sure the DPA says any information requested has to be provided in a format that is easily read. I am sure this is another stalling tactic used by the bank to add confusion and waste time.

[colour-me-happy]

I've had my statements for a while now but have delayed sending the prelim letter as I had a 2 week holiday and didn't want to miss any deadlines!!

 

anyway prelim letter was sent yesterday Special Delivery requesting £2500!

 

Will keep you updated with any replies.

[colour-me-happy]

Re: above post, must say they were quick in replying!!

 

The have offered £145 ....... obviously not going to accept.

 

Will keep you posted!

[colour-me-happy]

Hi Guys

 

Just to update, heard nothing from the Halifax since the paltry offer of £145, which I accepted as an interim payment!

 

So claim filed with Moneyclaim for close to £3000

 

Will update as and when!

[colour-me-happy]

Halifax have paid in full!!! :D

 

I can't quite believe it, I was shaking when I checked my account this morning, not had any correspondence from them but the exact amount I claimed was just in my account!

[barracad]

Congratulations!!

[just_hel]

just registered with the forum following last nights tv programme tip and read through your log to see if i actually have guts enough to do this myself. your last message is all the encouragement i need.

well done and really pleased it worked out for you

main message has to be tho, thanks for giving all us newcomers the courage ourselves. have a feeling theres going to be lots of us!!

 

[blinkyblinkyblonk]

well done colour me happy appropriate name i feel lol

 

i sent my letter before action yesterday so im waiting

 

and just-hel i too watched the programme last night and i feel alot more people will be coming forward to this website, as it is so great and informative

i would never have had the knowledge and guts to do it without all the help from these wonderful people, and reading the achievements of others successfully winning.

[colour-me-happy]

just registered with the forum following last nights tv programme tip and read through your log to see if i actually have guts enough to do this myself. your last message is all the encouragement i need.

well done and really pleased it worked out for you

main message has to be tho, thanks for giving all us newcomers the courage ourselves. have a feeling theres going to be lots of us!!

 

 

I'm so glad it has encouraged you!

 

From reading the forum I knew people were getting their money back but I kept thinking something would happen with my claim and it would go belly up .

 

I was so nervous but really if you follow the advice and step by step guide you will be fine. Good luck and keep us posted with your progress!

[colour-me-happy]

Got the letter advising they were going to reimburse me this morning....

 

It's quite funny, they say "Halifax is willing to reimburse £xxxx.xx in respect of charges incurred, together with £xxx.xx in respect of approximate interest that Halifax has calculated was charged on your account as a result of the charges. " They didn't calculate the interest I did!! :

 

Also got the usual my responsibility to operate the account correctly and if I incur any further charges they will close the account ......... a charge is due to come out tomorrow, so I will be interested to see what they do!!

[spackie]

can you get yourself tied in for a further fixed term.

when is your term up?

if you are going to find it tricky to move your mortgage then i would extend your fixed term before recovering your money.

i dont see how they can go back on a mortgage

[colour-me-happy]

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