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ihatehalifax

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  1. Thanks for your helpful comment, as I said this thread wasn't started by me so I don't want to turn it all about me but I'm assuming everyone is in the same boat and receiving the same lack of communication, should I start making a standing order for what I can afford to pay them (£30 a month starting 1st May) or should I wait? As I dont want to pay this if all there going to do Is cancel out my payments with charges, also do I just pay off the original balance in the region of £300 I think or will I now have to pay £550 with all there penaltys and charges?
  2. Thanks, I shall get that sent to them tomorrow. My orignal debt was £270 which i owed them, since none payment it has gone to over £550, ive never once ignored the debt as im sure a lot of people havent, they just dont respond to emails, are they allowed to add such high fees, or penaltys as they call it??
  3. Hi, I havent visited the forum for a while and hope you dont mind me "hijacking your thread" but as you are in the same boat as me I recieved the following email in regards to offering them a payment plan. Im assuming it isnt true what they are saying on the email in regards to the door step collections or Penalty charges?? Hi Craig, Unfortunately we are unable to set up a payment plan for you, but you do need to make payments towards the account of what you can afford to help bring the balance down. Due to late payment you have to expect to pay some kind of penalty whether you have advised us of your situation or not but if you co-operate with me I am willing to negotiate about some of the fines on your account but I need your commitment and a payment to enable me to do this. In regards to door to door collections, they are eligible to visit your address and do not need any permission or warrant to do this. We are able to use our door to door collections team and they are more than eligible to try and recover the full balance for us, and add on their own additional fees for making the visit. It is up to you if you want to co-operate. You have provided your work number as a contact number and we are eligible to attempt to contact you daily on all numbers you have provided to try and recover your debt. As you have an outstanding balance with us we have every right to do so and until an arrangement is made that is suitable for both of us or we receive the minimum payment (Interest) we will continue to contact you on all numbers provided as part of collections process. Kind Regards Nicola Coleman Nicola Coleman
  4. any one know? as im waiting for some funds to clear and not sure when the banking system starts again for today?? as to when I will have access to money that is suppose to clear today.. any info wud be great guys... thanks in advance
  5. Thank you so much for your help you've put my mind at ease knowing Halifax wont be touching a penny Regards
  6. Yes it make sense! I think My accounts people at Norwich union have told me they are going to get in touch with payroll to say the recall was succeful i will copy the email i recieved back: "What happens when we recall salaries, we have to wait till finance comes back to us and say they have worked. Therefore we cant repay your salary till the monies return. It should be a couple of days, as they are sent away today. Regards Michelle Berwick Payroll Advisor" I then sent the reply: "Thanks for your response, So am I right in saying it has been sent to my old bank? but you are now trying to retrieve it? Regards" and there reply to that was: "The money is on the way to your old bank but as we are recalling the money it will never reach it!!] Regards Michelle" Hope this helps you! Hopefully it means this will never be in Halifax's Hands?!?! thanks for your help again
  7. Thanks for your reply and help! As i changed by bank details after payroll processing began, which means i couldnt change my details to the new account ( Alliance n Leicester, So not halifax) before they issued payment for this month, they have said they are going to recall this and then send it to the new details I gave them today, (due to be paid in on 27th November, As i work in Pensions am i right in thinking this takes 3 working days?) So does this mean they still cant touch it still? Im just worried that they will take the money and leave me with hardly anything for bills/xmas HR told me they are recalling so it wont even reach halifax, Thanks for your patience and help AB123uk
  8. Hello, I am wondering if anyone here can help me! as Ive stopped using my halifax account as I have over £160 charges on the account after going over my overdraft by £5 (£150 overdraft so I am now -£310 overdrawn ) as i didnt put in any money to cover the illegal charges! But i have now got a slight problem, my wages are due to go in there Monday for £710 meaning im only likely to get £400 of that (other £300 in charges etc) They paid this by Bacs, anyone have any info on Bacs payments? as I emailed my HR pay at my work and they have said they are going to recall it before it goes to my halifax account ( I opened another account for it to be paid into from the future ) I'm just worried if it goes anywhere near halifax then they will take the charges out! Please help me
  9. Today sent out the first letter with copies of all the bank statements totalling nearly £1000. I'm so glad i found this site and will be donating as soon as I recieve my hard earned money off these scumbags... I'll keep you updated!! wish me luck everyone:grin:
  10. yeah i sent the letter with the letters they had sent me telling me of the lovely charges they are about to give me, spent nearly a hour printing them off! should claim for ink catridges too. I sent the first letter yes, basically stating the laws and demanding the full amount back... cant believe i didnt take action before on them! If only everyone who ever recieved a charge did the same thing, they would soon change there ways
  11. Hi, i have sent the letter of to halifax today, regarding my charges, Instead of requesting the list of charges from them i just printed off the notification of charges letters of the interner banking account I had with them, and sent them with the letter requesting the total amount of all the charges added up. Is this ok? I will update you when i hear from them! 21st November: Letter asking for refund of charges sent out
  12. Hello, I am about to send a letter to halifax with regardes to the charges and wanting to be refunded. I got the letter of the templates available and printed all the letters with the charges on of my internet banking account. I added up all of them ( just under £1000 in a year ) and sent them with the letter. Am i doing the right thing so far? how long normally do they take to respond? Many thanks for your help
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