Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Wrote to Halifax in December that I was in finacial hardship and they refunded me £175 of the £2400 of the bank charges and froze charges for 3 months. I wrote to them again recently explaining that my financial situation had got worse and that they should reconsider my claim. I explained why my financial situation had worsened including items being returned because of insufficient funds, unable to pay credits cards, rent arrears, utility bills etc. However they wrote back to me saying that they were sorry that I had got in the situation. However they referred back to their original decision and that if I was unhappy I should go to the ombudsman. I even wrote to the director and got a reply which referred back to their original decision.
Should Halifax be doing this and what can I do? I have heard that the fos is a waste of time.
Hi Masha
Go to CAB, get a financial statement drawn up with them which all creditors will have to accept as proof of your financial hardship situation and start paying Halifax a goodwill payment of £1 pcm. CAB will contact Halifax for you if you request. Good luck SJ
Halifax only saying sorry to Hardship
in December that I was in finacial hardship and they refunded me £175 of the £2400 of the bank charges and froze charges for 3 months. I wrote to them again recently explaining that my financial situation had got worse and that they should reconsider my claim. I explained why my financial situation had worsened including items being returned because of insufficient funds, unable to pay credits cards, rent arrears, utility bills etc. However they wrote back to me saying that they were sorry that I had got in the situation. However they referred back to their original decision and that if I was unhappy I should go to the ombudsman. I even wrote to the director and got a reply which referred back to their original decision.
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