I have recovered account charges for several people.
With one person who's account I got refunded she had an overdraft of 3000 pound and her charges were refunded worth 1655 pound. Now when Halifax sent her a letter she then telephoned and asked if the overdraft would be decreased as a result of this and will she still have access to the funds she was told the overdraft would not be touched and she would still have access to the funds. She then asked if she could have that in writing. Then few days later she gets a letter confirming it. However a week later the charges were refunded however the overdraft had been removed and she did not have access to the funds,
does she have a case, i was thinking about sending the bank a formal letter threatening further action. Saying something like, as a result of the overdraft being removed and me not having access to my funds it has left me in major financial difficulty and has become costly since i made some financial decisions with assurance I would ahve access to the money.
The letter she was sent says this
After that it basically just says if you are still unhappy with this then please do not hesitate to contact to Financial Ombudsman etc etc etc.
Now personally i think its the "You will therefore have access to the funds" Which specifically stands out as something that she has a case for.
Any suggestions any help is greatly appreciated