😀
Well after I threatened to take The Halifax to court, to recover excessive charges levied on my account, I have received a letter offering to refund half of these to me 'as a good will gesture'.
I'm not sure what to do now. Do I accept £120 or do I gamble and try to take them for the full amount, plus CCJ interest at 8% over t he last 6 years. Hmmmmm. I'm confused.
Originally posted by jimslyp69Go all the way, they would.
😀
Well after I threatened to take The Halifax to court, to recover excessive charges levied on my account, I have received a letter offering to refund half of these to me 'as a good will gesture'.
I'm not sure what to do now. Do I accept £120 or do I gamble and try to take them for the full amount, plus CCJ interest at 8% over t he last 6 years. Hmmmmm. I'm confused.
Originally posted by jimslyp69The oft recommended to the banks to reduce their default charges to a maximum of £12, if the original charges were about £25 I would say accept as the validity of the charges are not in question, only the level of the charge was looked at.
😀
Well after I threatened to take The Halifax to court, to recover excessive charges levied on my account, I have received a letter offering to refund half of these to me 'as a good will gesture'.
I'm not sure what to do now. Do I accept £120 or do I gamble and try to take them for the full amount, plus CCJ interest at 8% over t he last 6 years. Hmmmmm. I'm confused.
Originally posted by cadwahEthically speaking, I agree with you to the fullest. Legally speaking, however, they are obliged under law to refund the full charge, as they charged in excess of the true costs that they incurred.
The oft recommended to the banks to reduce their default charges to a maximum of £12, if the original charges were about £25 I would say accept as the validity of the charges are not in question, only the level of the charge was looked at.
The way I see it is, they took the absolute Michael out of me in the first place, by charging me £39 for an automated letter. So I am going to push back as hard as I can.
I know you work in the industry dude, and I know that you experience fraudulent gits, day in, day out. But I am not one of them. I am just a disorganised idiot, who is one's worst enemy at times. And I am not prepared to pay £39 to someone, who has been deceptive to me, who has more than a billion times my money, for a letter that I never even asked to be sent. The whole thing stinks, and banks in this country in general, have been operating outside the law for years and years.
Payback time.
Sorry but your employers are complete [expletives!]
ood for you, take them all the way,
I'm helping out my flatmate at the minute with his NatWest charges. He's a student and has a loan which he is struggling to afford. Well, he went over his overdraft limit in September and they hit him with a £39 charge. Then they charged him for the laon not being paid another £35. Then they charged him interest on being over the overdraft limit.
Anyway, i found out about this in early January after he asked for my help.
I called a Natwest call center and spoke on his behalf. I explained he was a student and is struggling to live with the loan repayment and the charges they we're levving on his account.
The first operative was unsypmathetic so i asked for a call back from the Manager.
She called back after a few hours, after telling her his situation , she said, well thats the terms and conditions, we can't waiver the charges so there's nothing we can do, apart from a High Risk, High interest Loan.
(Apparently, she wasn't in a high enough position to waiver these charges 🙄)
So after 2 calls and the bank not giving a monkeys, i asked the manager to send out his last 6 years statements on that account and informed her that we will be seekeing to reclaim all the charges levvied on this account in full. She said she would send out the statements, but she really wasn't bother.
Anyway, as soon as we get the statements through, we are going to reques all the money back and the lost interest.
If Natwest try to settle, we will tell them to Feck off..............
Originally posted by jimslyp69If they offered a half deal it maybe because they did wrong and are trying to get away with it.
😀
Well after I threatened to take The Halifax to court, to recover excessive charges levied on my account, I have received a letter offering to refund half of these to me 'as a good will gesture'.
I'm not sure what to do now. Do I accept £120 or do I gamble and try to take them for the full amount, plus CCJ interest at 8% over t he last 6 years. Hmmmmm. I'm confused.
Jimslyp...they wont go all the way to court because they know they are under scrutiny by the banking ombudsman.... here'sfood for thought... my work colleague just got £800.00 put straight back into her bank account TODAY... she only started procedings with this particular bank last week...go all the way
Regards,
Diane
