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baldness

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  1. I can update you all on this. As per my earlier post, I started to incur the £5 per day charges on an overdraft of £1000 whilst I was unemployed. I went 56p into unauthorised overdraft after several years paying the £1 charge and prior to that the fixed %. I wrote to them 3 times and got no reply. I stated they needed to freeze interest / charges on my account because I was long term unemployed. I continued to receive default notices etc with the overdraft mounting up each month with no activity on the account. When i last looked they had added something like £1000 to my £1000 od making a "debt" of £2000 plus. After 3 recorded delivery letters and no reply I figured I had done my bit and could show a court I had made reasonable efforts to deal with Halifax. Now they have stopped adding charges and sent the debt to a debt recovery firm who try to pester me every once in a while. I am not recognising the debt and it will go away after 6 years. If not I will appeal to the ombudsman. Only yhing stopping me now is that I don't see the point because the "debt" isn't directly affecting me right now I had no difficulty opening another account that gives me a debit card and I should have done it years ago instead of paying the daily fee to Halifax when I was on the dole for several years. I heard of someone that found that that Halifax don't completely cancel your debit card after they have told you in some standard letter that they are cancelling your card / freezing your account etc.. Thats cancelling, not threatening to. Like me youd assume that you couldnt use it to buy groceries or withdraw from cash machines and I suspect youd be right. However, I understand months later, amazon can get paid using a such a card (somehow) and thus they will deliver goods to the card holder..I presume on smallish orders under say ....£100. No check seems to be being done with the card issuer. Once the goods are paid for and delivered it isnt immediately obvious where the fault lies and whilst im sure it is covered in small print somewhere Halifax may end up adding some real debt to the made up debt on a persons account. All very annoying. Halifax cant even organise stopping authorising use of your card by certain online retailers months after they have informed the card holder the card has been cancelled and months after you have been in dispute with them over an account thats in unauthorised overdraft and they have frozen...
  2. Send them a dollop of ****e. Maybe not at the same time though. My hardship letter went in today. Yours seems very reasonable to me and hey get yourself over to the FO site and file there too. Hope you will use their international landline number and not the 0845 to call them on too. best of luck.
  3. What can you say about these jokers eh ? I have been on de dole for 3 years. 1000 od Run account well ie very very few infringements. Went 56p into an unauthorised od - yep got by the debit card [problem] where they dont stop you w/d ing 56 p when they have authorised a card transaction. start racking up the £5 per day instead of the £30 that is just about manageable on 240 quid income a month. Well .... Telephone staff have NO ability to refund o/d charges Customer Service / complaints staff - yep the ones that if pushed for 30 mins cough up a complaint reference then they try your phone twice and you never hear from them again. - have no ability to refund o/d charges They have no customer retention team Now i am clearly a reasonable on paper hardship case.... unemployed 3 years .....under 3k a year income .... So if they wont refund me voluntarily, freeze interest, give me a different account to pay my dole into etc .... Anyone else is pretty much .. probably .. wasting their time ...trying to be reasonable with them. I have v been a good customer for 20 plus years .... had high paying jobs etc .. Now I am off .. they can swivell. I am asking for interest to be frozen, putting in the old FO complaint .. and I'll take the hit on my credit rating.
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