i just wish i had found out about this site earlier. could of saved myself from the financial mess i am in now. but at least i am trying to sort it. i know lots of people who just stick their heads in the and and ignore their problems. just printed out the step by step instructions, and data letter thing. gotta get it all sorted.

yeah, someone really needs to stand up to them!!! i just cant believe how much they do screw you over, and then they try to get you to use a debt advice company that they pay for??!!! now thats not being biased is it? and they told me to ignore the advice i was already being given, and has worked well so far! dont know what i would of done if it wasn't for the student advice team at uni!

oops, seems like this thread has gone wrong!!! i have a full thread elsewhere!! hehe! guess it shows i dont use forums much!!!

thanks for advice, all noted (see now in little letters!!! hehe!) my dad computer is very antique, or it should be anyway. but he has internet access. therer seems to be a huge problem with halifax, or is that just me thinking this???!!!

HEY ALL, AS A NEWCOMER HERE I FIRSTLY SAY HI ALL, AND PLEASE PLEASE HELP ME!!! I WAS DIRECTED TO THIS SITE BY THE STUDENT ADVICE CENTRE AT MY UNIVERSITY. I HAVE BEEN HAVING MAJOR PROBLEMS WITH HALIFAX, BOTH WITH MY NORMAL ACCOUNT AND WITH MY CREDIT CARD. I HAVE READ A LITTLE THROUGH THE POSTINGS AND HAVE FOUND IT HELPFUL, BUT NOT QUITE SURE ON WHAT I SHOULD DO NEXT. A LITTLE BIT ABOUT MYSELF. I AM A STUDENT NURSE, ON A NHS BURSERY, WHICH MEANS I DONT GET A STUDENT LOAN, AND HAVE BEEN 'SURVIVING' ON ABOUT £5500 A YEAR. I AM AT THE END OF MY COURSE, SO A JOB WITH MONEY IS IN SITE!!! ANYWAY; PROBLEM ONE, HALIFAX STUDENT BANK ACCOUNT ON THIS ACCOUNT I HAVE A £2000 OVERDRAFT FACILTY, ON WHICH I HIT EVERY MONTH. IF I GO OVER THIS (WHICH SEEMS TO HAPPEN QUITE ALOT!!!) I GET CHARGED, AND THEN THE CHARGE COMES OUT THE NEXT MONTH, WHICH PUTS ME BACK OVER MY OVERDRAFT, SO I GET CHARGED AGAIN. THIS IS A VICIOUS CIRCLE IN WHICH I DONT SEEM TO BE ABLE TO GET OUT OF. THEY JUST SAY THEY CANT DO ANYTHING IN MY LOCAL BRANCH. I DONT KNOW WHERE TO GO NEXT. THE LADY AT STUDENT SERVICES HAS BEEN BRILLIANT, BUT EVEN SHE CANT HELP!!! PROBLEM 2 HALIFAX CREDIT CARD. I WAS SOLD THIS WHEN I OPENED MY STUDENT ACCOUNT, TO START WITH IT WAS A GREAT HELP, THEN THEY STARTED CHARGING ME LATE FEE'S, AND CHARGING ME TILL I WENT OVER MY LIMIT AND THEN I COULD NOT AFFORD TO PAY BACK THE AMOUNT IN WHICH THEY WERE ASKING ME. I WAS PAYING BACK ABOUT £40 A MONTH QUITE HAPPILY, UNITL THEY STARTED ASKING ME FOR MORE, THEN THEY CHAGNED DIRECT DEBIT DATE TILL END OF MY WORKING MONTH, SO I HAD NO MONEY TO PAY WITH. AFTER THAT IT JUST SPIRALLED. THE LADY I HAD SPOKEN TO AT UNIVERSITY HAD HELPED TO START. HALIFAX REFUSED TO CUT INTEREST RATE, OR MAY AN ARRAGEMENT TO PAY, OR HELP ME IN ANY WAY. I ONLY SAW A WAY OUT IN LETTING MY ACCOUNT FALL INTO DEFAULT. HOWEVER THEY RANG ME THIS MONTH, ASKING ME WHAT I WAS GOING TO DO ABOUT MY DEBT, WHY HADN'T I ASKED FOR HELP ETC, GENERALLY BEING RUDE, THEN THEY ASKED WHY I HADN'T TRIED TO MAKE A PAY ARRAGEMENT. I TOLD THEM THAT ONE OF THEIR ADVISORS HAD TOLD ME I COULDN'T. THEN THEY TOLD ME THAT AN ADVISOR THAT THEY HAD WROTE ONTO MY ACCOUNT DEATAILS, THAT THIS HAD ALREADY BEEN OFFERED IF I SENT THEM A FINANCAIL STATEMENT THING FROM CITIZENS ADVICE. SO I AM BACK AT SQUARE ONE, CHASING HALIFAX... AGAIN. SORRY FOR THE LONG POST. BUT I AM GETTING TO THE END OF MY TETHER WITH HALIFAX. AND I DONT KNOW WHAT TO DO NEXT!!! GINA

HEY ALL, AS A NEWCOMER HERE I FIRSTLY SAY HI ALL, AND PLEASE PLEASE HELP ME!!! I WAS DIRECTED TO THIS SITE BY THE STUDENT ADVICE CENTRE AT MY UNIVERSITY. I HAVE BEEN HAVING MAJOR PROBLEMS WITH HALIFAX, BOTH WITH MY NORMAL ACCOUNT AND WITH MY CREDIT CARD. I HAVE READ A LITTLE THROUGH THE POSTINGS AND HAVE FOUND IT HELPFUL, BUT NOT QUITE SURE ON WHAT I SHOULD DO NEXT. A LITTLE BIT ABOUT MYSELF. I AM A STUDENT NURSE, ON A NHS BURSERY, WHICH MEANS I DONT GET A STUDENT LOAN, AND HAVE BEEN 'SURVIVING' ON ABOUT £5500 A YEAR. I AM AT THE END OF MY COURSE, SO A JOB WITH MONEY IS IN SITE!!! ANYWAY; PROBLEM ONE, HALIFAX STUDENT BANK ACCOUNT