for what ever reason tax credits have messed up big time!

they have put 800 in to my old bank account which is closed and has been for a long time, as it is overdrawn, im on phone to Halifiax to sort and all im getting is well it will pay the debt off!

Ive made it clear this can not happen as it is my rent money, and is needed ASAP! they have said now they cant find my account!

Ive spoke to tax credits and all i get is well it will be returned if not used!! help!!

best thing is they just said set up a payment plan or we keep the money

When did you give the tax credit folks the correct account information?

What is a long time?

It's not Halifax' fault. They will be very happy to have received a contribution towards your overdraft debt.

I wouldn't of thought the Halifax is going to give you the money.

How is an account "closed" when overdrawn?

It may be closed in your eyes but not in the Halifax eyes.

You owe the Halifax and suddenly they gets payment reducing your overdraft. They now have less money to write off or less money to chase you for.

the account was frozen

tax credits sent it to an old account that we have not used since last april,

they admitted mistake,

theres an overdrawn balance but their fees,

i cleared it all before not using it

they charged me £28 for being overdrawn for 1 day then kept adding their fees on top.

it is in dispute.

The penalty fees are unlawful

Take them to the FOS if they keep messing got around

the account was frozen

tax credits sent it to an old account that we have not used since last april,

 

they admitted mistake,

theres an overdrawn balance but their fees,

 

i cleared it all before not using it

 

they charged me £28 for being overdrawn for 1 day then kept adding their fees on top.

 

it is in dispute.

have you told tax credits your new account details, and when did you tell them?

Yeah fos involved, they helping,

tax credits were told of a new account in November then the joint details in July they have even admitted that because it's working tax that the system didnt update that section!!

Even though the call log you can hear me say it's for all tax credits.

well done!!

dx

I would ask tax credits to reverse/recall the payment...given its their error....I doubt you will have any success against Halifax on your own...its not a closed account..its a case that you dont use it any longer and its in dispute...but its still active...thats why Halifax was allowed to pay in and the transaction cleared.....otherwise Halifax would have rejected the credit.

Andy

I'm awaiting a tax credits manager to call me back and have had to ask all payments to be suspended till sorted! I've documents and the calls to prove it there error, and they admit it but still won't change account without me writing g it and can take 21 days.

I've got the money as FOS involved they sorted, I'm now battling tax credits, thanks guys

I'm awaiting a tax credits manager to call me back and have had to ask all payments to be suspended till sorted! I've documents and the calls to prove it there error, and they admit it but still won't change account without me writing g it and can take 21 days.

 

I've got the money as FOS involved they sorted, I'm now battling tax credits, thanks guys

Well getting the money is excellent news. That is one less worry.

You can now concentrate on ensuring that the tax credit folks have the correct details so you don't have to go through this again.

yeah thats my plan now, im now without any more till it sorted as not paid by new job till october 31st! not happy