Hiya everyone, I have gotten a letter from halifax suggesting £401.00 how rude. They owe me close to £3000.00 so I sent off the rejection of offer letter and then I started getting post about them cancelling my card and can I return their cheque book and all that. I called them twice and told them that they have been charging me for a standing order that I had tried to cancel like 7 weeks ago and they have been still charging me for lack of funds and all that. I have stopped my salary from going thru halifax and wisely opened a new account with another bank thank GOD, because now I can safely monitor how my direct debits are being paid out. Halifax Customer Relations Officer apologised but its no good to me. They have also threatned me with legal action and Bailiffs and paying for all costs. I have now gone online and downloaded the N1 Claim form and the Xcel Sheet for charges but I am at a loss now as to how to send in the claim? What do I do now? I remember when I first joined I read about the process to follow but cant find the thread now. Help:o

Halifax has me so in debt I cannot begin to express my days of crying and begging friends for advice and help until I googled and discovered this site. Thank you in advance for the support and the forum. Halifax is a whole other story. Every month I got payed they took my salary to pay off their bank charges and even tho I came out of my overdraft they dragged me right back in with charges, they stopped paying most of my direct debits thereby making me incur further debt and never once called me to say a thing or write to me. I just kept getting the standard letter saying we weren't able to pay your bill this month. But I never worried as most of my bills were like £20.00 and I work two jobs to pay them all. Anyways long story short, I am in debt to my landlord to £1,500.00 due to Halifax not paying several weeks of my rent even though I have a weekly salary and one monthly one coming in and not to mention a Standing Order for them to pay my rent every Friday. One CS at the bank said to me that their Bank Charges took precedence over my bills so for three months they were absorbing my entire monthly salary thereby leaving my account empty so that when bills were due there was no cash in the account. Twisted vicious circle. I am going to be evicted and I never have enough money to travel, or eat (I live on toast and oats). So depressed I just wanted to give up. Then I googled and I discovered this site. I have sent the first letter and recieved a standard letter saying they are sorry to hear that I was not happy with my charges. Then I sent them the PreLim letter and I called before that asking for my Schedule of Charges and they sent me the Investors gibberish. I called them back and was told by one Customer Service Rep that she does not know why they would have sent that to me, but to this day still nothing. Hence the PreLim letter went out last week. I have added up the bank charges and it's running to £3900.00 in bank charges and approx. £400.00 in overdraft charges and counting. Wish me luck I am so flustered I dont know what to do.

I have signed up for the TalkTalk and was told to wait two months. I never got it so I transferred my land line account back to BT who dealt with everything. Now TalkTalk is constantly sending me bills saying I owe them £47.32 and I never once used their phone line. When I contacted them I was told that it's charges for my line rental and all of that even though I never even got the broadband they still charged me for it. Now I have gotten a Bailiffs letter and I am angry and scared as I am useless when it comes to the ins and outs of the system when it comes to Bailifs. Halifax is a whole other story. Every month I got payed they took my salary to pay off their bank charges and even tho I came out of my overdraft they dragged me right back in with charges, they stopped paying most of my direct debits thereby making me incur further debt and never once called me to say a thing or write to me. I just kept getting the standard letter saying we weren't able to pay your bill this month. But I never worried as most of my bills were like £20.00 and I work two jobs to pay them all. Anyways long story short, I am in debt to my landlord to £1,500.00 due to Halifax not paying several weeks of my rent even though I have a weekly salary and one monthly one coming in and not to mention a Standing Order for them to pay my rent every Friday. One CS at the bank said to me that their Bank Charges took precedence over my bills so for three months they were absorbing my entire monthly salary thereby leaving my account empty so that when bills were due there was no cash in the account. Twisted vicious circle. I am going to be evicted and I never have enough money to travel, or eat (I live on toast and oats). So depressed I just wanted to give up. Then I googled and I discovered this site. I have sent the first letter and recieved a standard letter saying they are sorry to hear that I was not happy with my charges. Then I sent them the PreLim letter and I called before that asking for my Schedule of Charges and they sent me the Investors gibberish. I called them back and was told by one Customer Service Rep that she does not know why they would have sent that to me, but to this day still nothing. Hence the PreLim letter went out last week. I have added up the bank charges and it's running to £3900.00 in bank charges and approx. £400.00 in overdraft charges and counting. Wish me luck I am so flustered I dont know what to do.

This is my first time and it's not the best time for me. I am hoping that the advice that I get from this site helps me to get thru the emotional stress of having to deal with my bank taking money from me and then having the nerve to shout at me on the phone or give me long silences when i dare ask them questions. I am barely surviving on my salary and my bank makes it harder for me when they charge me £30.00 for every transaction they have to pay or could not pay on my behalf. Please help me with some advice at least. Thanks!