Oh no, just when we thought we had finished. Is there ever an end to this. It seems that as soon as they refund money they slap on interest for the previous months. very fed up now. Caron

Hi, Its Caron and daughter back again. We had won £850 bank charges refund in full plus court costs. Now refunded into account which means that the account is (or was) in credit again. Oh dear, when Halifax approached to take money out and close account, we had a little suprise. They have now taken £19 in interest for August, £19 interest for September and £28 overdraft fee for August. (Money refunded on 31 August). The counter assistant phoned Customer relations but they refuse to refund this. What do we do now? Do we start again with months of letters, just when we thought it was over! Caron and daughter.

We did it....At last. After weeks of harrassement from the bank and threats that they were taking action, I filed a court action and paid £120. That was only a week ago. Yesterday we got a letter saying although they are not at fault, my 18 year old daughter is, they will refund the full amount £822 plus court costs as it will cost them more than that to defend her claim in court. Thanks for your help. Now to try for my other daughters account. happy mum and daughter.

I have just read how to get a default notice removed. Thanks for the information. I have applied for her credit file from Experian and copied the letters for her to start sending when the report arrives. I shall now go to the on-line court stuff and start reading this. This is now done and the claim filed at a cost of £120. All letters typed and off to the post. Thanks for help.

Yes she has her original account from when she was a baby. We have changed this to a grown up account!!

All the letters we receive are from the same address but differant people and differant sections. We have followed the order of letters, starting with the prelimanary please can I have these charges dropped as they are unlawful and unfair etc. Followed by an answer saying no you signed the customer contract agreeing to charges etc. We sent them the next letter and so on and are now up to the court next. So far they are being unreasonable and starting a default notice and credit agency involvement. This is very stressful and worrying as their is no way my daughter can afford to pay this costs.

Yes, she was 18 in November 2005 and opened her account in March 2006.

Hi, I started a thread somewhere but will start again as it was a while ago. I am fighting for my 18yr old daughter who has run up £1000 bank charges is only 4 months of having her account opened. Anyway, we have sent all the letters including harrassement letter as she gets 5-10 calls per day demanding the money now. They ignore all written correspondance. Does anyone know who to address letters to as we have so many differant people contacting her, that not one seems to know what they are all saying. She was offered a £200 refund that we acepted in writing and also asked for the full refund. Someone else wrote to her last week saying she refused their 6 month refund offer (as she has only had the account 5 months does that mean we can now say yes to the full £1000 back?) They have now passed her account to a credit company. We offered to pay £50 per month into her account until this was settled, and are doing so, but this has been ignored. Can they now default her account? We are now going to fill in the court forms, but I think we will loose this battle.

Thanks for that thread, I have read it all and just sent a letter to the Halifax about harrassement. See if that shuts them up. Who do they think they are phoning an 18 year old and demanding £900 today. 9 calls in less than 3 days!

I am new to this site so Hi to you all. I am taking on the Halifax for my 18 year old daughter who has been charged £900 bank charges over 3 months. We have writen to them to ask for these charges to be refunded and of course got the standard reply.. What a joke they are only prepared to offer her £200 reduction. We are accepting this and taking them to court for the rest. In the mean time (we seem to have 4 departments now writing and phoning us, just to confuse things!) they are now taking "further action" to recover their money as she has apparantely broken a "promise" to repay £900. At no time did they mention a payment plan to her,or get her agreement for one. Do they make things up in their sleep!! Last night they phoned again demanding payment now in full and then hung up on her before finishing the conversation.. SOO frustrating. They have until next week and we will fill in the court forms. C&c

Hi, Found my message at last, A novice at this game totally. Thanks for encouragement. Will keep on reading until we are sure we doing right thing. Ta

Hi I am also new to this group. I posted a note this morning but it has disappeared. Can anyone tell me how long it takes to get a thread started. Thanks Car

Hi all, I heard about this site from my brother last week. My 18 year old daughter has had her bank account with the Halifax for only 4 months, and became rather baffled by their gargon, got herself overdrawn by a massive £2. It then snowballed because her wages from her part-time job (paid by direct debit) were not paid in full for the month. She has now been charges £914 charges for cheques she wrote against these missing wages. We have started action as described hear, and yes Halifax are true to form and said she broke her agreement and they will charge for cheques they pay. Their "good will gesture" is to reduce £200 from the £914. We are going for their jugular and hope it works. She of course is really worried and only finished college this week. What a start to working life!!!