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  1. If your account is showing as in credit today, but you know your account will be overdrawn tomorrow, I would suggest going into your branch as early as possible in the morning and paying £25 into your account and try to negotiate with them with regards to any possible charges that may occur. Emphasise that you have taken time out of your busy schedule to rectify the matter as soon as you could, and that this is the first time such an instance has occurred in your account history. Be EXTREMELY POLITE, don't threaten court action and try not to bring up all this business about everyone reclaiming unlawful bank charges AT THIS STAGE. If you are lucky you will get someone helpful to speak to and the charges may be waived. If they are unwilling to help you, ask to speak to the branch manager and explain your position to them. If they are still unwilling, ONLY THEN bring up your view that these charges are unlawful and any attempt to deduct such charges from your account will be met with recovery action on your part. Hostile/aggressive action before the charges have even been applied will generally get you nowhere and you'll definitely have to follow the process everyone else on here is going through. Best of luck!
  2. You can move on to the next stage as soon as you receive your statements from Halifax.
  3. I can't be 100% sure, but I think that the banks are legally entitled to use any payment to offset any monies you otherwise owe to them. Technically you are still getting your money back, but they are ensuring they get their money (that they lent you and (going by your post) you defaulted on) back too. I don't necessarily think that the fact that the account is in the hands of a debt agency makes a lot of difference. In fact, they pay the agency to manage your account, so anything they can do to reduce their costs, they will do and have done so in this case.
  4. My local branch returned my postal order this morning too. Anyone reckon it's because they can't be bothered (read: too much hassle) to cash them in? Anyone else had their PO returned? I know if you go into the branch personally, or send them a cheque they are happy to keep your money. What's the deal with PO's?
  5. That is acceptable if not a little extraneous. Personally I would adopt a simpler approach.... Dear Sir, Thank you for your letter dated *blah*. Please find listed below the information you requested. Please be advised that the timescale of 40 days to provide the information I requested in my previous communication *dated blah* is still applicable. I look forward to hearing from you by the due date. Sincerely, Entering into a dialogue about how they should do their jobs is a waste of your time. IMO.
  6. Even if you have just one charge of £30 in the past 6 years, I'd still push to have it returned. In your case, £120 is still a significant amount (maybe not to the banks). It's YOUR money, if you want it back. Go get it!
  7. Yeah, it is always better to include as much information as possible in order to close out as many excuses on their part as you can. If you are writing to them and are worried about them construing that as a reason to start the 40 days over, add a paragraph reminding them of the initial date of contact (your first letter) and include the date you believe the 40 days is up and that you expect their complete co-operation by this date. Be mindful of the fact that most employees these days (be it in a bank or supermarket or whatever) are unlikely to be paid enough to think for themselves, especially when it comes to dealing with 'uncomfortable' situations.
  8. I suppose it all depends on the amount of information you have given them at the time of your request. Did you just give them the account number without a sort code? It is concievable that you may have mistyped your a/c no on your letter and the guy dealing with your case is unwilling (for delaying purposes) to use his initiative to locate the correct number. I don't think they can be in breach of the Act if they genuinely do not have enough information to process your request (as they imply in their letter to you). I still think the best way forward is to collate the account number, sort code and roll number youself and then telephone the number given on Monday morning, reminding them that they only have a week or so left to comply.
  9. From personal experience, I know that Halifax can find other accounts in your name from just one account number. I have an active account with Halifax and 2 previous accounts that are now closed. I went to my branch on Monday with my bank card, went to the counter and asked for the details of my other accounts. The man swiped my card and within a couple of minutes he handed me a piece of paper with the account numbers, sort codes, roll numbers and closing dates of both those accounts. If they can do this in branch without any bother, then they can certainly do so up in their comfortable offices. Therefore my opinion is to pop into your branch, get them to give you the details and then phone this guy up and advise him to pull his thumb out of his bum and do his job properly. I know you shouldn't have to do this, but it removes the delay from their end without excuses.
  10. As I mentioned in another thread, I posted mine recorded delivery direct to my branch. I recieved a letter from the branch manager this morning returning my £10 postal order and advising that 6 years of statements (for 3 accounts, 2 of them closed) had been ordered for me. I addressed my letter to "The Bank Manager". (Posted Weds of this week, reply recieved this morning (Saturday)). I recognise that each branch manager may take a different approach to these letters so yours may just keep the money and forward the request to head office. However, if you go into your branch and see a customer service advisor they will DEFINITELY keep your money and forward your request to HO (probably taking the full 40 days). Best of luck
  11. Both my mum and I bank with Halifax, but as we live in different towns we have different branches (obviously lol). Anyway, I paid her a visit during the week to help her out with getting her bank charges back whilst at the same time doing mine. I printed out two DPA disclosure requests, one for each of us. We went to the post office, got 2 £10 postal orders and posted the letters off to the respective branches. Today, we both got a letter from our branch. Mums read: Thanks for the request and the £10, we have forwarded your details to head office who will process your request within the 40 days. Fine, brilliant, job done. But..... my branch went one better than that and my letter said: Thank you for your request, we have ordered you 6 years of statements and are returning your postal order (enclosed). Any further help, please contact us etc. On the flip side, my partner's mum (also a halifax customer) has been threatened with account closure and overdraft withdrawal if she wants to pursue a claim (she's only asked for statements so far). She is now waiting for statements to see if the charges = > overdraft. With other friends all having different experiences, with Halifax and other banks, it seems to me that how easy this process is is down to how sympathetic the staff member is at point of first contact.
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