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indiajack

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About indiajack

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  1. However, you do hit on a point I am trying to make - it affects the poor more than the higher income stratas. There are at least three points emerging from this: 1. Why are they not charging interest instead of fees? The processing costs are much lower than £1 a day and even when added to the interest charge, still lower than £1 a day. Can there be any reasonable justification for a £1 charge on an overdraft of £0.01? 2. These fees are imposed on overdrafts that have been arranged and agreed with the bank on these basic current accounts; and not on negative balances in those cu
  2. @Sabresheep - the £1 a day fee applies arranged or agreed overdrafts with Halifax. The reason is for timing issues where you need to spend money or are charged early by direct debit (as Vodafone does at times) before money coming into your account clears or there is a delay in clearing. If you do not have an agreed overdraft, the charge is £5 a day. The point is the cost of the fee and not an interest charged for the "borrowed" money that has been agreed. The cost of processing the overdraft is very small, if this results in a net deficit for the bank's aggregate funds for the
  3. @StJane, That £10 buffer was the result of my engaging with Halifax and the help of Sir Malcom Rifkind in 2012. Halifax then wanted to do the same. That £10 buffer is being removed on 1st December 2015
  4. Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged. So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced. Is this imposing excessive charges or treating customers unfairly??
  5. They say the the account is with RBS The debt was an old credit card bill. It was paid off more than 6 years ago under a negotiated discount. Because it was over 6 years ago, my docs are no longer there - I had a clutter clean-out. There was a CCJ for some arrears in 2005 for a misunderstanding on the PPI attached but I settled this in full and the CCJ was struck off/cleared. It is possible that under the current PPI situation I would not have had to setlle.
  6. I had lost my job and made an arrangement to pay RBS via their collection agent £5.00 since 2003. In 2008 as I got a highly paid temp job, I made a written arrangement with collections agents . Bryan Carter for full and final payment in settling the obligation by paying about 65% of the outstanding. I have been contacted by RBS and Experto Credite on the debt that I settled under an arrangement paying a lower amount in 2008 via the previous collection agents Bryan Carter. I stopped paying my had not heard anything, received a statement of account or any communication
  7. I shall be moving the SIM to my new handset on 20 Dec. But it seems that my Samsung Galaxy Mini has decided to access the mobile network on 3 Nov to 6 Nov until I put a block on it. I am being told that even if I did not set my phone up for mobile internet, it has widgets which will do it automatically. I am wondering if this is correct and if so why the widgets have only just come on when I have had the phone for two years without it doing this?
  8. There is no pattern that I can discern and I work in field of identifying patterns, except that it happens mostly on weekdays/nights. I will get another cheap handset and move my SIM there But my handset has been checked by Vodafone at its shop.
  9. Yes indeed small amounts regularly occurring. i do have the bills on-line and will print them out. The amounts are yet small in total but I think it is good advice to send a letter of action. Has anyone else experienced this from Vodafone?
  10. This has been going on since April this year. On examining my monthly bill in April, I found that there were charges for my mobile ringing my landline. Sometimes, the calls were short, sometimes relatively long. I am the only one in my household and there is no one to call. On occasion, the calls were when I was within 3 metres from my land-line and sometimes when I was asleep. There were also call recorded when my phone was turned off. There are no records of calls on my mobile log. BT does not operate a log of calls received - or so they tell me. I have been communicating w
  11. I have this to add and would welcome comments and advice: This has been going on since April this year;On examining my monthly bill, I found that there were charges for my mobile ringing my landline. Sometimes, the calls were short, sometimes relatively long. I am the only one in my household and there is no one to call. On occassion, the calls were when I was within 3 metres from my landline and sometimes when I was asleep. There were also call recorded when my phone was turned off. There are no records of calls on my mobile log. BT does not operate a log of calls received - or so they tell
  12. Thank you, I am sorry to bother you wwith another question - When and how can I make the 20C application? I am very grateful for your help.
  13. There is one question I have failed to ask, What track do i choose? The current amount the claimant has posted is £8,400, including court and solicitors fees. I am unsure whether it should be the fast track or multi-track option that has to be ticked many thanks Kumar
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