is there anyway for me to fight back and get back any of the charges?

Any Advise Plz?

after almost 2 month i have received a reply which states:

the supreme court decided that as long as they are clearly set out, the level of unarranged overdraft fees cannot be assessed for fairness under the unfair terms in consumer contract regulations.

we believe you feel the charges are unfair and high however the outcome of the legal proceedings means theses fee are not penalties and under regulations the level of the fee is a reason for finding them unfair!?!?!

as a result we won’t be upholding your complaint or providing a refund of the fees.

please advsie what i can to from here as theses *ankers have taken over £450 from me and telling is it not unfair! is there anything that can be done?????

thanks i will try to speak to him and will do my best to try and help/ maybe contact shelter.

with regards to housing benefit, belive me peopl are getting away with huge amounts of rent in westminster. depending on number of children and indivual circumstances, i know people cliamimng £1600 per week.

i have recentlry noticed a homeless person around where i work. i know there are many people sleeping rough in london but as i see this guy everyday, his situation does bother me quiet a bit. i have not spoken to him yet but i will nvery soon to find out about his situation but i do not want to sound insensetive towrds his stuation and to be honest dont really know what to ask him.

anyways i want to know how does a homeless person not quilify for housing benefit or how can the social serives help his current situation.

he is sleeping beneth a modern block of flats which i know for a fact that many of its residence are [causing problems] the housing service andcliamimg upto £800 per week.

i have decided to write o the local MP and the local housing benefit office as well.

thanks a lot and hope to recive lots of help here.

i cleared the £180 charges and t has been more than 4 weeks since i wrote to them. in their letter it stated i will receive a reply within 4 weeks.

do i chase them up and and send a reminder letter?

also as my account was under i am expecting another £150 approx in charges to be added to the account end of the month which will again bring my balance to -£150 or whatever. i have since taken all my money out on this account and refuse to pay anymore money to this account even if it takes me over drawn.

This is unfortunately how things are at the moment.We have evidence that even the FOS now appear to be upholding complaints in the banks favour by saying the OFT lost the case and so they cannot assist with refunds of unauthorised overdraft charges.

The exception would be if it can be shown that the bank made an error,or where the charges are likely to cause financial hardship.

These areas are still clauses within the Banking Code.

They KNOW that they have 8 weeks to look into your complaint and as always know they can drag things out and be within the rules-the only consolation being that since the waiver has ended then they cannot take longer than this.

If you can put together evidence of financial difficulties,I would go down this route since they have less of an escape route.

Fill out an income and exp sheet and get it into your branch-ask for a receipt for it.

Unfortunately until we are in a better position to offer more specific info pending the new strategy which is being worked out,theres little else that can be done.Keep us posted though.

cheers. what do i do about my current balance? do i clear the debt or let it roll ?

i went toa branch today as i could not go to my own branch. i met one of the advisor and explained the situation that im not happy about the charges and etc. he looked into my account and informed me since i have filed a complaint, nothing else can be done and i have to wait for the proceedure to take its course. as the letter mentioned it could take up to 4 weeks.

i am now £-180 in my account and he told me to pay this money off so the charges don't escalate.

any thoughts on what i should do as i refused to clear the debt at the time and told them its not my fault that i am £-180 over drawn.

was my last day at work so did not get the chance to go to halifax

will go to my own branch tomorrow

i have recived a reply from halifx today saying we are sorry you ar making an complaint blah blah blah and that the matter will be investigated and it will take upto 4 weeks !!!

i will be going to a halifax in about an hour's time and the situation as it stands is that i will be again cgarhed something like £150 bu the end of the month so even if i clear this -£180 now they charge me another £150 at the end of the month

i will be going to the nearest branch tomorrow and having a go at anyone

those (Edit)

does this effect my credit score?

thanks maroondevo52.

i have just realized that my account is now -£180 and they will be charging me £5 a day unauthorized OD.

what can i do???????????????????

i still have not had any replies back fro halifax

they are due to take out monies on 7, 8, 9th december. as i want to get things moving i will take out the paert you have mentioned and send off today or monday morning.

it will read

Dear Sir or Madam,

Account number: account number

I am writing to request that you repay all the overdraft fees and interest charges that have been applied to my account since 1st October 2009. I do not believe these charges fair.

My partner and I have been with Halifax for more than 10 years and have a total of 3 current accounts. When this account was opened we did not ask for a overdraft facility and therefore expect payments to be declined if there are no funds available.

The charges total £350.00 and therefore ask that you repay the full amounts already deducted and stop any further charges being applied in December. Please find a full schedule of the charges with this document.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

I hope that you will enter into a sincere dialogue with me about this matter andlook forward for a full response to this letter within 14 days.

Yours faithfully,

signature

name

this is the letter i will be sending and pleasse let me know if i neeed to change/add anything

Dear Sir or Madam,

Account number: account number

I am writing to request that you repay all the overdraft fees and interest charges that have been applied to my account since 1st October 2009. I do not believe these charges reflect the true cost to Halifax of going into unauthorised overdraft.

The charges total £350.00 I believe I have been and will be unlawfully deprived of the money and therefore ask that you repay the full amounts already deducted and stop any further charges being applied in December. Please find a full schedule of the charges with this document.

My partner and I have been with Halifax for more than 10 years and have a total of 3 current accounts. When this account was opened we did not ask for a overdraft facility and therefore expect payments to be declined if there are no funds available. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

I hope that you will enter into a sincere dialogue with me about this matter andlook forward for a full response to this letter within 14 days.

Yours faithfully,

signature

name

should i write to my branch/manager or a different department?

I had the same problem.

 

Rang the call centre and just got the usual rubbish 'computer says nooooo'. They were usless!

 

I got the number of my local branch and arrnaged to go in and see them. First of all they tried to say I had gone OD and therefore had to opay them. Mine was 3x£35 for 3x£14 DD!!! Gave them grief and also said it was a bit rich coming from a bank that I probably owned more of than they did and they couildnt handle their own finances anyway!

 

They eventually backed down and refunded all 3 charges.

 

I am going to SAR them anyway and get back the previous 6 years as they have royalling hacked me off!

 

So go direct to your branch, the call centre monkeys just read from a script and will basically refuse you.

what reason did you give them for getting your money back?

to be honest i have been so busy that i did not get the chane to speak to them. as i have been charged again this month i have decided to write to them and threaten to move my 3 accounts from halifax.

thanx. i will contact my housing office to find out.

does anyone know where a tenant stands with regards to decorating their coucil property. is the coucil responsible for any decorations or not?

im thinking of switiching banks but can not afford to pay off the OD. will other banks offer a same OD limit inorder to pay off Halifax and close down the account ?

you seem to have claimed back quiet a bit. what should i say to to them in the morning about these charges ???

i have 3 accounts with halifax, if i do change banks does that reflect negative on my credit for future credits o car,CC's and good ??

also what will happen to my od if i don't pay it off ?

so how do i fight this ??

also advice re the new £1 charge would be helpful.

no mate, if its a Direct Debit they charge £35 for each one...! having the same problem with them.....

not direct debits, its was buying lunch ! payment should decline !

also if i have an authorized OD will i get charged £1 a day from dec ?????