I opened a current account with Halifax in June 2015 with a £250 overdraft facility which I used on a regular basis but cleared every month.

In August 2016 I ran into financial difficulties due to an increase in overdraft fees, up to £100 per month.

i wrote and explained I was suffering hardship and Halifax cancelled the fees for that month.

By this time I was using payday loans to keep my head above water.

I struggled along until January 2017 when I again claimed hardship and more charges were cancelled.

However, the charges soon crept up to £80 or £90 per month as I was unable to clear my overdraft at the end of the month.

In March I opened a current account with the Post Office and stopped using my Halifax account apart from making deposits to try and clear the O/D.

In October I received a letter advising that my account would be closed in 2 months.

I rang customer services and was advises that if ! paid £52 to clear the excess on my overdraft they would halt additional charges.

I agreed to this but my next statement showed a further £40 had been charged

. I think that is the maximum since they reviewed their charges.

I wrote in December but got no reply or acknowledgement.

I wrote again in January by recorded delivery but again received no reply

last week when I was informed that the account had been passed to Wescot.

I am unable to access my account but Im still getting emails saying there is important info in my message box.

What do you suggest as my next step.

Ignore Wetcloths, they're powerless to do anything.

Get back onto Halifax (In writing) and lodge a formal complaint, mark their emails as Junk so they bounce back.

Did you pay them this money (£52??)

Thanks for the advice

No I didn't pay

If you could start a new thread re PDL ..this thread is with regards to your Halifax Overdraft.

Regards

Andy

Although Halifax never replied to my letter I have had a letter from Wescot acknowledging that I have raised a dispute. Are Halifax allowed to pass the account to Wescot when there is a dispute?

Although Halifax never replied to my letter I have had a letter from Wescot acknowledging that I have raised a dispute. Are Halifax allowed to pass the account to Wescot when there is a dispute?

Yes...disputes are irrelevant...its all about the money..any which way