Please help :)

[cat-lancs]

hi, many thanx 2 this site and members on it for helping me try claim back my charges from the halifax so far wouldn't of bothered if it wasn't for you guys and gals

 

anyway i'm stuck and im hoping you can help me out...

the Halifax recently wrote back to me saying I knew the situation when I opened my account, blah blah blah blah.. I'm presuming they say this to alot of people to try and put them off claiming... but I'm confused on which letter I reply to them... I have read it on this forum before, but can't find it now

it did start off as...

 

'I write in response to your letter refusing for a refund of bank charges.'

 

I hope you can help

 

Thanks

[**Tilly**]

hi cat if you have had a response to your prelim then your next letter is your letter before action

here you go

http://www.consumeractiongroup.c o....lates-library/

[cat-lancs]

thanks alot for your help...

 

the 1st bit says

 

'I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].'

 

they did actually respond to me, just not in the way i would of liked!!

 

also, does this part of the letter 'I am enclosing a copy of the schedule of the charges which I am claiming' mean i just send them the copy of charges again (the spreadsheet) ?

 

and would you suggest i take out...

 

'Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.' ?

sorry 2 be a pain lol

[**Tilly**]

hi its okay and your not a pain its better to ask then get it wrong yes send schedule of charges

and attach to your letter the paragragh is optional but dont add if you dont intend to go through with it have a read around some of the threads they can be helpful and have a look in these

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

Example Step-By-Step Instructions

these you help you understand a bit more about reclaiming your charges back but worrys or questions just shout and somebody will come and answer them

 

 

 

Frequently Asked Questions

 

[cat-lancs]

thankyou very much. it just confused me which letter to send to them now.. as letter 3 (letter before action) starts off with ''I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].' so i didn't think this would be the correct letter.

 

Thanks for your help tilly

[**Tilly**]

the order the letters go in s.a.r. requesting your statements prelim requesting your charges back lba last chance before court

[cat-lancs]

okie dokie, thanx

[overflow]

Hi Cat

If you follow Tillys advice you wont go far wrong she's the bees knees.

 

Knows what shes talkin about.

 

Dont worry if you get a bit worried about anythin , weve all been there, there is always someone who will help you out.

 

Please dont think that any question you have may be stupid . If you dont ask you wont know

 

regards

[cat-lancs]

thanx everyone... i think i no what im doing now. i just hope they pay me back in full without involving the courts

[overflow]

They nearly always do .

Your on your way

DONT WORRY

 

Good Luck

[cat-lancs]

thanx. i only have £831.00 charges from the halifax and £120.00 from capital one... i wish they'd charged me more now lol

[sea-sidelady]

It is still better in your pocket...

[Dusary]

It is still better in your pocket...

 

 

Totally!

[cat-lancs]

yeh i hope i do get all me charges back, im skint at the moment with moving house etc

[overflow]

Hi Cat

 

Im sure youll soon come out a winner and it really doesnt matter how much your claiming back.

Weve got to show the banks that we wont be fobbed off any more and the more people put claims in the better.

Its about time the "little people" had thier say.

We are known for our "stiff upper lip" attitude" but some times its important to step up to the plate.

[cat-lancs]

do you reckon the charges will be dropped a big amount after all this? coz the ###### still chargin me 30quid a go

[**Tilly**]

only time will tell

[moneyhelp]

do you reckon the charges will be dropped a big amount after all this? coz the ###### still chargin me 30quid a go

 

Keep adding them to your spradsheet right up until court

[cat-lancs]

it's been 14days since i sent the Halifax my 'letter before action'... but I've also been told by a friend that banks have suspended payouts until the court case has finished... is this true?

[**Tilly**]

hi cat have a read of this link but carry on with your time scales if you had no reply from your lba then is time to file your n1 or mcol please read this link

***please Read***

[sea-sidelady]

No, you carry on with your claim as usual.

 

If you are ready to file then file.

 

Most of the courts are still paying out as normal.

[cat-lancs]

thanx alot people