I am not sure as to how I would go about getting charges back from the Halifax. They areat present are holding paperwork up with the official reciever, and they have done so since before Christmas. They are holding everything up as to the finality of the bankrupcy. They helped put us in this situation and we need the charges back, nearly £1,000. can some -one help and steer me in the right direction. thanks

As I stated before, Halifax could not care less as to your situation. When we first contacted them for help they told us to pay our bills by cash and cancel our direct debits. But they were told if we cannot pay last months bill how can we pay this months. They asked us why, and they were told that the charges they put on the account over a period of 2 1/2 months came to £950.00. They gave us back £250.00 one month to pay for their loan and then charges us more charges. Four weeks later they gave back £350.00 to pay for their loan again and charges and then the charges esculated again. We were living on an overdraught. We had used all our holiday payments for the mortgage, all our savings, and when nothing was left they treated us like a piece of dirt. We were snapped at by members of staff. Our problems started with illness, long term, loss of employment and a death in the family. The policies we took out with the Halifax to cover the Loan and Mortgage which were meant to be for both of us, I could not claim on as I was not the main salary earner, so these policies were cancelled. This was over £100.00 per month.......wasted money. We wrote to the Ombudsman and were told that it was nothing to do with them, they would only intervene if the banks did nothing and we got no satisfaction. We got satisfaction from no-one. We are now declared BANKRUPT thanks to HALIFAX and they are still putting charges on . They need to have a little more compassion, and the FO needs to get to grips and stop this money making scheme that banks are allowed to get away with

I have just e-mailed

When we were in difficulties with the Ha;ifax, we wrote to the Ombudsman, we were told to get in touch with our bank. We were also told that the problem was nothing to do with them. If we got no help from our bank we should contact them again. They are usless.