Thank you so much. I felt so totally alone with all of this and to be honest, very ashamed I was in debt, (only due to bank charges) I feel a wave of relief and alot stronger that people are rooting for me (and others in this position) and all the help is here from all the good people on this site.

I have so much beef with Halifax. From the 22/1/07 to 29/1/07 they have taken £120 bank charges from me and will be taking a further £129.00 tomorrow (Monday 5/2/07) Halifax paid a switch payment for £4.62 and are now charging me £30.00 for doing so! To add more insult, I took out a loan before Christmas and asked that the re payments start on 31/1/07 as that is when I get paid. All was agreed (by telephone I might add) They rejected the loan payment on 23/1/07 and I have been charged a further £39.00. They did send a nice letter on 29/1/07 which I recieved on 1/2/07 stating it was unfortunate they rejected the loan payment and could I ring them to make payment. I then received another, rather nasty letter dated 30/1/07 stating if I ignore this letter they will seek further action to recover the debt. This is for the loan payment due 23rd February 2007!!! I thought it was illegal to send 2 debt letters for the same debt within a day of each one? I feel so stressed out as I have to work full time as my husband no longer can as he is disabled (Due to a misdiagnosis at the hospital) and I just seem to be working to pay bank charges. Now they have taken all this money, I do not have any money to live on for the rest of the month and so the sorry cycle will go on where they will pay items, reject others and charge me £30.00 a time for the priveledge.

Thanks so much Happy Old Dog, the info is very much appreciated.. Will get reading and post in the correct forum..

Hello everybody..I am new to this site and still trying to find my way around, so please be patient with me if I have posted on the wrong thread!! I have so much beef with Halifax. From the 22/1/07 to 29/1/07 they have taken £120 bank charges from me and will be taking a further £129.00 tomorrow (Monday 5/2/07) Halifax paid a switch payment for £4.62 and are now charging me £30.00 for doing so! To add more insult, I took out a loan before Christmas and asked that the re payments start on 31/1/07 as that is when I get paid. All was agreed (by telephone I might add) They rejected the loan payment on 23/1/07 and I have been charged a further £39.00. They did send a nice letter on 30/1/07 which I recieved on 1/2/07 stating it was unfortunate they rejected the loan payment and could I ring them to make payment. I then received another, rather nasty letter dated 30/1/07 stating if I ignore this letter they will seek further action to recover the debt. This is for the loan payment due 23rd February 2007!!! I feel so stressed out as I am working full time as my husband no longer can as he is disabled and I just seem to be working to pay bank charges. Now they have taken all this money, I do not have any money to live on for the rest of the month and so the sorry cycle will go on.