Been avoiding this - help!

[BethB]

Hi

I joined this forum back in September I think but found it all rather overwhelming! I need to move forward with several different issues and have returned to the site today to get information. This site looks like an excellent resource but again I'm finding with so much information I don't know where to start!

I understand the process and the standard letters that can be sent, but have a couple of specific queries I can't find the answers too and wondered if anyone would be kind enough to advise or point me in the direction of the information I need.

• I have a £400 overdraft with the Halifax that is mainly made up of charges over the last 6 years. The account has been closed and transferred to a collection agency (Robinson Way) who bug me on the phone constantly! I have drafted my letter to the Halifax and want to pay the £10 in cash - is it OK to hand the letter and cash in at the branch? If I do this, should the letter be addressed to the head office or the branch?
• What should I write to Robinson Way to get them off my back. Am I right in thinking the account will be 'in dispute' once I've sent of my request to the Halifax?

I have other accounts I need to deal with but think I'll focus on what at a time at the moment!

Thanks.

[ukaviator]

Hi Beth

The account has been passed over already to the collection agency, so you can only write and ask for your charges / statements. Once you have that information you can then approach them for your charges to be refunded.I would'nt contact Robinsons just yet, and you must keep paying your bill each month. Don't give them any excuse to keep hassling you.
Keep us posted on your letter writing.

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

All the info to get you started is here:
http://www.consumeractiongroup.c o.uk...se-read-these/

There are more links below to assist you get around the site.

Good luck

Ukaviator