Thanks for replying everybody - my overdraft limit is 10k and I am probably about 2k over that - about £900 in charges. I was going to include the od with the DMP with the CCCS - whom I have now spoken to them and they will include it - not very willing though as debt has accured after started DMP. Just need a new bank account now.

please can somebody help me as I am sat here in tears and have to nobody to talk to and don't know what to do. I have posted before regarding claiming back charges from halifax and i admit i am over my overdraft limit - some of which is the charges. i have just had a phone call from halifax more or less accusing me of theft (the person I spoke to called it theft) as I have spent money that I wasnt allowed. I have no way of paying the money back as I won't have anything to live on or pay my mortgage (I have a DMP with the CCCS) and was going to include my OD with them and am in the process of opening a new basic account. Now I am scared to death that the police are going to come round and arrest me due to this "theft", I know I shouldn't have spent the money but I did and there are also some cheques to come out of my account that I wrote the cheque guarantee number on. Is this more theft? Please can somebody help me, I told the Halifax i would pay money in by Friday but I have no way of doing this. I don't know who else to turn to and am in aterrible state and dont know what to do.

Hi there. I have read through the forum and need some advice before starting to claim back charges but its a long story so please bear with me. I have held a Halifax current account for a number of years and have a large overdraft facility (or had). I have always kept within my limit until recently when due to personal circumstances I have gone over the limit and therefore been charged £30 per time (at the moment total charges are approx £700) and I am over the my O?D limit. As such my account has now been suspended - meaning I can't use it I guess. I called the collections department a couple of times last week and have never had such abuse thrown at me - they were really rude and nasty to me even though I was in tears, sobbing down the phone, telling them I wanted to sort it out, could they help?, needed to pay mortgage etc. Anyway their answer was a flat no! Anyway, I am in the process of opening a new account and want to know if I claim with the Halifax and am successful, will they pay me by cheque or direct into the account as I don't want it paying in the account as I am going to add the debt to my DMP with the CCCS. Is it a hard process and if it goes to court will they through it out due to the large O/D, i would hate to sit in front of a judge and try and justify my O/D. I also am loathe to speak to the Halifax again as they were so rude and I can't do anything about it anyway. I have stopped all payments going into the account so I have funds and am in the process of changing all DD's when I get a new account. Anyway, thats it I guess so any advice would be very, very much appreciated. I know I sound awful cos I've got into such a mess but really I am not. If you can help, i would be very grateful as not sure where to start. Have got a list of all charges as they send my letters to my online banking facility. Where do I start? I feel really cheeky even thinking about this when I owe them so much money!!!!!!!!!!!

Hi, I am a newbie and am going to read all the forums regarding reclaiming bank charges from the Halifax, who are at the moment treating me awfully and have had me in tears numerous times. Not sure what to do so will have a read through then probably post lots of questions!!!! I have never been a member of a forum before so please forgive me now if I do something wong. Hope to speak to some of you soon.