***Have you received a letter from Halifax***

[kennythecelt]

Here's another link from FSA.http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/direction_disp.pdf

[Noddy73]

People. If you receive these letter and they break the FSA waiver YOU MUST complain to the OFT, FOS and FSA. If the FSA get a large number of compliants regarding BANKS ignoring the waiver, they will go NUTS and remove the waiver or fine / b*llock the banks. Also complain to the bank about break the waiver. They are required to inform the FSA of compliants. Double Whammy.

[kennythecelt]

Good call Noddy!!

 

 

Haven't talked to Noddy in years!!!

[mo]

hi,ive had one of theseletters and they have already paid me,I dont know if to sign it or not?

[mrsfoot]

Absolutely fantastic find KOG. You are a star!!

 

One question...does this only apply to cases with decisions made after the direction?

If so what anout all who are receiving the letter after the payment??

[1rnold]

Hi kog

What a wonderful person you are to spot that . I had a Halifax letter this morning and my case is in the MCOL awaiting to be heard. Similair lines to those already stated in this thread and come recorded delivery basically telling me to accept their offer in full and if it is accepted I can not ask for a further sum following the test case. I rejected this offer earlier already as they refused to acknowledge it as partial thus never received it. They have given me until 7th October to reply otherwise they assume I will await the outcome of the Test Case (thus they are expecting for the Courts to put all cases waiting to be heard on Stay).

Going to lodge a complaint now due to thier tactics as suggested.

thanks

Reeta

[1rnold]

HI All

Wrote back to them about their 'offer' (£624 when my actual charges are £3774 excluding interest charges which came up to £200 roughly) . Pointed out that it was no where near the Schedule figure (attached this again in case they 'lost' it). And quoted the above section as well to them . Lets wait and see the outcome......I thought I would be more on the ball this time as I waited to long previously to do this. Quick respond in case they 'struck out' my MCOL case and the 9/10/07 deadline on my letter may be reinforced by them. Let the battle begin as I am now daily scrolling the threads on this forum/website.

thank Reeta

[kennythecelt]

Keep going Reeta and good luck!!

[harrythehawk]

A "me too" here ! have posted a rant on my own Halifax thread but good to see I am not alone !! I am not put off by their ridiculous announcement and intend to use this to my advantage, it is just the wording of this is so loaded and doesn't give the full facts, my complaint is about PPI on a Credit Card ... why on earth I need this letter and why they state it is in their opinion about Bank Charges is beyond me when they have already acknowledged it was about mis-sold insurance, although I can only assume this is what it referred to as their was no reference or account number on it, just my name ??

 

All in all more shoddy customer service from Halifax, just strengthens my resolve to defeat them at everything !!

[1rnold]

HI All

Got a letter from halifax stating they have changed solicitors to Optima legal services (based in bradford) and their defence which is full of the Terms & Conditions. Do I ignore this and wait for something form the courts? Will have to check out some threads. asked moderator to move mine. Well the fight goes on.........

Reeta:p

[fallingleaves]

I was made an offer which I accepted as a partial offer without prejudice with the intention of claiming the rest through the court process.

 

I put this is writing at the time to the Halifax. As the "gesture of goodwill" was made and the letter referring to it and the other information relating to the acceptance of it was made well before the 27th July which is when the FSA direction came into force am I right in thinking that the payments made are not covered by the direction.

[Haley348]

I have been reading with interest the new letters being received by the banks about waiting until the resolution of the test case with OFT.

I sent my my Prelim letter to BoS on 27 Jul asking for repayment of charges. I have since recieved a letter back similar in all respects to those posted stating that they will not pursue my complaint at all until resolution of the test case. They have made no goodwill gesture.

The advice given in the other links indicates that I should proceed with my complaint as per my original timeline.

Therefore, should I send an LBA and if so, would anyone have any advice as to the wording of this letter, as the template is more for when the bank does not respond?

Any advice would be greatly appreciated.