Halifax have a huge fight on their hands, I am gonna fight this to the death. They have made me very ill over the way they have conducted themselves. I am a single mother claiming tax credits, and rely on CSA money every month too. I am claiming 2717 from one account and god only knows from the other, which thay have closed down without informing me. I had an overdraft but as i wasnt using that account they didnt re new my facility, so i went into unauthorised over draft 1300. For months they were delving into my other account and taking wat they could from it to go into the other account to clear my OD. I had all my benefits paid into my card cash account, and they took it and left me with 4 pence. This was happening every week, and funny as it seems, it was a race against the bank manager to see who gets the money first. By me doing this I was leaving my bank empty and so my DD were not being paid, but they still wouldnt if the bank took the money first. I cried down the phone to them about this leaving me with nothing, and they said cant you borrow from your family. What a F*&%ing cheek. In the end the bank realised that i was beating them to it and froze my account so i couldnt get access to my benefits, i was so distraught, they made me very ill, and i could see no end to it. So i opened an account with Abbey, and it feels weird having all my money to myself. So i want them to pay. I have since received a letter from them that they decline my request and now I have sent a letter back basically saying i suggest you rethink your decision, as it will get messy, in a round about way. How they can do this is dispicable, anyone else had the same bother?

Thanx to you all for your help, I am utterly p%%ed off with them, how they can just go into my account and take wat they want is unbelievable. Would i be able to go for compensation for distress and worry. They left me with 4pence in my account and i have 2 boys aged 10 and 8. This isnt the 1st time they have done that. As soon as i had money put in from the CSA of family credit they transferred it, and best of all when yjey cottoned on to wat i was doing ie: racing to the bank b4 they could get it, the sneaky bastards froze my account so i couldnt get access to it. Is that allowed ?

I need help! I wrote to Halifax asking for my a breakdown on my bank charges on 2 of my accounts. They sent me statements only relating to one of my accounts, and have been told that as my other account is now closed they are not willing to send them !! I sent them a letter detailing the amount i am reclaiming which is about 2200, they have sent a letter back basically declining my letter as they think the charges are fair blah blah blah. So wat now? If i go to a small claims court in Glasgow, will i be able to go for compensation for distress. Everyday between april and june 06 it used to be a race between me and the bank manager. I am a single parent, and rely on tax credits and CSA money. I had a 1300 overdraft, and as i wasnt using that account they decided to not renew it so i was in an non authorised overdraft. I had all my money paid into another account, and Halifax used to go into that account and take wat they wanted. In 3 days they had taken 900 out of my cardcash account and put it in my O/D account and left me with 4 pence. I used to receice 16 missed calls from them a day, and when i did pluck the courage up to spk with them, they asked me when i was able to pay the rest off. I explained to them about my circumstances, but they wasnt interested. I asked them how i am sposed to live on 4 pence and they replied " cant you borrow of your friends" i was outraged. So every motning i would race to the bank and try and get my money out b4 they got it. By me doing this all my direct debits and cheques were not being honered and so accrued more and more bank charges. I cannot believ they are allowed to do that are they? delve into my account and transfer money without asking me? U cannot believe the stress i was under. In the end i opened up another account with the Abbey, and halifax closed my account. That is the one with most of the charges and they wont send me statements. Do i have a good case? So wat do i do now with the charges on my overdraft account where do i start. Like i said they have said no their not paying. Hope you can help me

Hi Im new to this, wat is an LBA ?