Hi everyone I am here on behalf of my mum and I would really appreciate some help. My mum is 67 years old and lives off a basic state pension and some pension credit. She is a home owner but has no savings. Prior to 2007 she had a basic, non-fee paying current account with the Halifax. In 2007 she was advised by Halifax staff to open an Ultimate Reward current account. Like many pensioners she struggles to manage on her pension and she was told that she could have a "free" £300 overdraft which would help her if she opened the Reward account. As you know, the Ultimate Reward account offers "perks" such as emergency home repair cover, AA breakdown cover, mobile phone insurance and travel insurance. I must point out that my mum doesn't drive and therefore doesn't own a car, she has never owned a mobile phone and she is unfit to travel due to health reasons. The only thing she could possibly benefit from is the home emergency repair cover. She was never asked whether she drives, owns a mobile phone or travels. As time went on she went further into the £300 overdraft but never went beyond it. She had cause to contact the bank in March this year and the staff member told her that they could extend her overdraft to £350 to help her manage. In April the same thing happened; she contacted the bank to check her balance and was told that she was almost at £350 into her overdraft but fear not, they could extend it to £400. My mum just pays her way and has never had any debt, nor has she ever had a loan or mortgage. In June this year she was diagnosed with cancer and is now recovering from a major operation and has thankfully had the all clear. Nevertheless she has had a pretty tough time of late. I have never interfered with her finances and I only get involved if she asks me. When she went into hospital in June she gave me her bank card and asked me to pay a few bills etc for her. I was horrified to see that she had an Ultimate Reward account. When I asked her if she realised just how much she was being charged for this she didn't have a clue. I know it sounds ridiculous, but she didn't even know about the "perks" and she didn't realise that she was paying for her bank account - I think it used to be £10 per month but it's now £15. On top of that is the amount that she is paying for having an overdraft of £400. The first £300 is free and beyond that she pays £1 per day, for every day that she is over £300. I know she has been silly and very naïve but that's my mum I'm afraid. She likes the staff as they are always nice and friendly on the phone...grrrr.... Now that I have explained to her that she has a debt to the bank that she can't get out of due to massive charges each month and that she is receiving "perks" that mean absolutely nothing to her, she is beside herself with worry. I am trying to find the agreement that she signed when she opened the account but as yet I haven't been able to locate it. I have established the exact date when she opened the account. I also have the dates when the overdraft was extended. I made an appointment at the Halifax and attended with my mum on Monday. I asked the staff member to close the account but she said it couldn't be closed until the overdraft was paid. I asked if the debt could be treated as a loan which my mum could pay back at a fixed amount each month, but the lady said this wasn't possible. So until the overdraft is paid my mum is stuck with the account (and the monthly fee for the unnecessary perks). I took my mum to another bank yesterday and she has opened up a new current account for her pension to be paid into. All we can do for now is try to pay money into her old Halifax account each month to clear the overdraft, but obviously she will still have to put enough in each month to cover the cost of the account itself. If I had the £400 myself I'd gladly give it to her, but unfortunately I don't. I'm sorry this is so long but I really would like to know how to proceed from here. I feel this account was mis sold to my mum from the start and I feel she should be reimbursed the fees. Do I complain to the Halifax first, or do I go to the Ombudsman? What do I say and how do I word it?? Do I need all her statements since she opened the account, or do I just ask for the fees back and trust they will calculate it? I am so angry that they have taken advantage of my mum who is so trusting and yep quite naïve, but who has never been in debt in her life and who has been throwing her meagre pension at the Halifax bank who don't give a flying fig how much she is struggling. I will be so grateful for any help that anyone can offer me. Many thanks in advance.

Hi, I'm after some advice about what to do to clear an old debt. I took out a loan with Halifax (RBS) about 8 or 9 years ago. I was suffering from a gambling addiction and spent 10 months in rehab for this. I defaulted on the loan and made an agreement to pay back £25 a month, which is still ongoing. The debt is currently £4500ish, at the current rate will take 15 years to clear. As the default was over 6 years ago it no longer shows on my credit file and I am not accruing any further interest, there isn't a massive incentive to pay the debt off at a faster rate. Now the positive, I have managed to get my life back on track and have recently bought my first house, having cleared all other debts and currently have no credit cards or overdraft . I have recently been made redundant, but have a job offer, so things are looking up . I have just had a call from iQor asking to review the payment plan and explained that I was in the process of being made redundant so it would be better to review the plan in a couple of months once circumstances were more stable (hopefully). I asked about any possibility for a reduced settlement and they offered 25%. It was also stressed that this would show on my credit file as partically settled - I pointed out that the debt was so old that it was no longer on my credit file so that that was no incentive to settle in full. In reality, it would be better for me to use the redundancy money to reduce my mortgage once I am settled in a new job (or save to clear the help to buy element), but was wondering if I would be likely to get a heavily reduced settlement on this debt. The basis for this being that they wouldn't have to wait 15 years for the balance, they aren't benefiting from any interest being added and the default has fallen of my credit file and I was able to get a mortgage this year. Any advice would be really appreciated .

hi all i sent a CCA request to Apex credit managment on the 21.7.14, this is the reply i got today, am a little bit confused what to do next hi this is an old debt for halifax credit card, of approx £8,500 dating back to 2005 which my husband has been paying a token payment of £1.00 for the last 9 years

Hi All, I had a Halifax Amazon CC which was in arrears (5k) and Halifax took me to the court in 2009. I pay them £25.00 monthly. was wondering if still I can challenge this? I have similar 2 cases with JOHN Lewis CC and Northern Rock which went to court and NR loan and JL cc amount was attached to my property. NR loan is now sold to Marlin Finanacial service. Just wondering shld i keep paying or challenge it. Thanks

Hi everyone I hope someone can help me. On the 17th July I received a letter from Bryan carter advising me that they were taking me to court and I would receive the documents within 24-48 hours, I received the court document the same day from Northampton court. The debt is for Halifax 2009, a debt which was an overdraft (£69) and ended at £539.00 I don't remember this debt and vaguely remember the overdraft, never that amount. I checked my credit file to obtain this information,although that hasn't been updated since December 2009. I have requested an CPR 31.14 from Lowells as these are the claimant and shall enter my acknowledgement of document tomorrow as there is an error on the website (444 error? ) the date of the court document is 17th July. The debt was purchased by Lowell in June 2013, which I had no knowledge of. Now with my defence can I dispute the amount owed ?, what is my next steps once I acknowledge the forms ? Thank you for your help.

After them trying every possible trick to wriggle out of their obligation to do so and then unnecessarily wasting both my time and the time and efforts of FOS, after a fully 2 years, Halifax Bank have finally conceded (after being instructed by FOS to do so) and made me a settlement offer for miss-selling me PPI more than 15 years ago. If nothing else, this paragraph, should simply say, be patient and stick at it On reading the settlement offer letter, I was surprised to that the bank have unilaterally decided to make a deduction from the amount due to me for “taxation due, at the standard rate” Whilst the total compensation amount offered is within a few pounds of what I have calculated, I had not considered that the bank would deduct 25% of the interest element. Whilst I knew that I would possibly have a tax liability on the interest element of this compensation, my immediate reaction to this was that my Tax affairs are between me and HMRC and any liability due (to HMRC) is mine to sort out direct, at the end of the Tax Year. I called Halifax to question why they had made this decision. The response given was that this kind of deduction is “standard practice and in accordance with FSA guidelines” Can anyone advise on this please? I completely disagree with the stance taken, this bank has no knowledge of my tax code, my Tax number, my payment relationship with HMRC, or liabilities I have (if any), so any errors in calculation and or payment will be practically impossible for me to recover downstream. Whilst the bank said they would write to me confirm the deduction made, providing a copy of their notification to HMRC, I do not trust them to either do so, or get it right in a timescale that is consistent with any liabilities I have to HMRC. I also do not trust them to immediately pay the ”amount due”, giving them the opportunity to take the benefit from any interest due, rather than me. This is a bank that has already miss-sold me PPI, denied any wrong doing when I complained, lied to me by ignoring their own industry code of conduct in rejecting my complaint and then, further tried to deceive FOS when they got involved so why should I trust Halifax to correctly pay the Government on time, on my behalf. If (when?) they get it wrong, who will be left holding the baby? How can I stop these crooks doing this? I’d phone FOS, but suspect that will not want to get involved as it's not in their remit, so is there a standard letter template demanding them to pay me the amount due in full? TIA

Hi, I have an old Halifax credit card account in which I believe I was miss-sold PPI. The issue being is that it was passed to 1st Credit after encountering some financial difficulties quite a few years ago, in which I have a repayment plan in place. Who do I send the CCA Request to ? Thanks

My sister is in deep trouble which sadly she has kept from the whole family. Her husband and her split up about 18 months ago, she remained in the family home with her two children, he went on and bought a house elsewhere. It's now come to light that she is unable to pay the mortgage as in all the time that has elapsed since he left, her husband has refused to pay anything against the mortgage. She works part time as she has the children more or less full time apart from school, her husband has them on an occasional Sunday. I've now learnt 3rd hand that the bank are repossessing due to the arrears on the mortgage I have no idea what she owes arrears wise, I've arranged to visit her tonight to see if I can get the full story. From what I've been told it sounds like she is ready to walk away from the house and hand the key back I know her mortgage was for around £100k the house is probably worth about £180k in today's market. The question is does the bank have to give her the option of transferring the mortgage to an interest only one? Or is it at their discretion? I'm sure if we can get the mortgage changed over to a interest only one, the family can rally round sort out the arrears and hopefully get the house up for sale. it's a big house much larger than she needs and I'm sure if she could sell it and end up with a decent deposit for a cheaper, smaller house it would be a huge help. I'm not in possession of all the facts at the moment so bare with me lol just wanted to know if the interest only option was one we could force the Halifax to grant, surely the court wouldn't look favourably on them if this was denied? thanks in advance

Hi Just after some opinion I had a HBOS current account that has been with Wescot and has now been sold to 1st Credit Arranged payments were being made on it until about Jan 2012 In my many correspondence with Wescot , amongst other things they claim that there was never an OD facility on this account but when you consider that for most of it's life there were periodic debit balances of over £100 and no charges that is easily shown to be a lie. Anyway it was sold to 1st Credit so I wrote asking for the statements etc that they should have been sending me. They have come back with statements from opening until Sept 2011 . The odd thing is the final statement says 25th August 11 balance -716.10 12th Sept closing balance £00 but nothing to show where that money went The summary sheet also shows closing balance 00 and £444 of fees paid Since that date a further 6 monthly payments of £1 have been made which reflects in the balance The account number in question is definitely a current account with cheque book etc but the final pages refer to it as being a cardcash account. Now I did also have one of those but a different number. Has anyone any thoughts In summary they are chasing me for £710.10 but the statements show a balance of £0. The statements refer to it as a current account but the sheets relating to charges etc refer to it as a cardcash It seems to me that they have no idea what is what

I only know certain details (will add more as I know) but thats so much to all who give advice. Truly appreciate it. Lets say it's like this for now (Don't punish me, i'm just the messenger): My girlfriend got a CC out with Halifax. For whatever reason she had problems repaying it. From what I heard her Monthly charges got out of hand and became more than what she can afford to pay back per month. She asked for an interest freeze and a repayment plan to be set in place.... They said nope. She has been trying to repay bits and pieces when she can (Literally on a shoestring budget for repaying). A while later she applied for a halifax loan.... Nope... as we could expect. Now what? Surely the bank should or would enter a repayment agreement? Having the whole sum with the current interest when they know she is having financial problems is better than refusing to freeze it, her entering bankruptcy and the bank losing out of around £1000 that is owed?

Hi all, A few weeks ago I received a letter from Halifax telling me they believed they MAY have mis sold me PPI on my credit card because I am self employed and I would not of been eligible. My first reaction was to think it was a [problem] mail, as I do not have PPI so I rang the bank directly (ignoring the telephone number on the letter) to verify the letter who advised me they would never send letters out inviting me to claim and it was indeed a [problem] and to disregard the letter. I then noticed that the pre paid envelope enclosed was addressed to the banks address in Leeds where I have sent them letters before so I googled the address and the address matched exactly the address the bank use. So I called again and directly asked the question do I have PPI. They advised me I do not and have never had it. They then transferred me to another department who advised me I do have PPI. I was pretty shocked as nowhere on any of my statements does it even mention anything about PPI. I made another call to the banks main number and again asked but they said I don't have PPI. Anyway, I filled in the claim form, only adding my name, address, account number and ticking the box that I am self employed. I left the rest of the form blank. I have now received compensation for being missold PPI (only 400 quid) but what is really bugging me is the bank say I don't have PPI while the PPI department says I do. I askd for it to be cancelled only to be told I don't have it to cancel. I honestly don't know who to believe. Has anyone else experienced this?

Has anyone ever came across anything like this before? Today I recieved an email from [email protected], which is the real littlewoods email address. Here is what it said There was an attachment on it that I assume asks for all my banking details and such, that I did not open. Now, I am used to getting stuff like this from spammers, but NEVER an official company email like this. I have forwarded this onto halifax and they advised me to delete the email aswell, but I'm not sure if I should? If I do I will have no proof further down the line if I should need it that littlewoods actually tried to hack my online banking :/

Have received a letter from the Halifax re: "the concerns about the suitability of the policy", much to my surprise as I had no idea I had ever had any PPI (as I keep telling the frequent annoying callers). It appears I did!!! After ringing them today it relates to a loan taken out in 2005. I was told to send in the questionaire. It takes me all my time to remember what I did last week, let alone nearly 10 yrs ago, so how much detail/accuracy do they need? At the time I was employed and got full pay if sick. I have been disabled since the 80's and have had cancer so always refused ppi as I could never have claimed it. I have no idea under what circumstances I would ever have been persuaded to take it, its a mystery to me.

Hi, I have received a letter from Halifax in the post for a loan i took out just about 6 years ago. It is a form to fill about Payment Protection Insurance. I remember taking the loan out on the internet, but obviously I can't remember ticking a box for PPI or an explanation about why I need to take it out. The fact that they have sent me a letter suggests I may have a case to reclaim this money. Can anyone advise on what grounds I would have to claim this back? I have filled on some of the forms, and have my document checklist of CCA, Policy Booklet and Demands and Needs Statement. I was part-time when I took the loan out and I still am. The questions I am not sure what to answer with are:- Why did you decide to take out a PPI Policy? Why are you unhappy with your policy? What information were you given before you took out the insurance? Can anyone guide me as to what type of answers i am looking for? Any help would be greatly appreciated as this is a great forum, sometimes there is too much information to take in! Thanks Jane

Hi all, On the 18/3/2014 I wrote to the Halifax BOS with a CCA request for an account I have been paying via Payplan for the last 6 years. This was on the advice of someone else on this forum - same person advised I post here when I had a response. On the 15/4/2014 they wrote back to me enclosing a copy of the original signed form and the signature is mine and does relate to my account. This is one of 6 accounts Payplan were distributing payments to on my behalf and to date, is the only one to respond. My question is, what do I do now? I cannot restart the payments with Payplan as I've not had a response from the other creditors and I think I'm correct in saying that the account is no longer "in dispute" as they have responded? The estimated total owing on my Payplan account is considerably less than the amount Halifax claim I owe on the account. I'm desperate to clear up my credit file (the original default has dropped off my file, but I don't want anything new registered on my file). Any advice anyone has at this point would be hugely appreciated. Thanks, JJ

Hi all, Need some advice please. I have just switched my bank account from HSBC to Halifax using the 7 day bank account switch which is backed by the government. On the final day of the switch my car insurance went out of my old hsbc account and not the Halifax account like it should have. After taking to halifax and elephant i was told that if it wasnt taken when it should have been then they will just replay and do it 7 days later. I didn't think nothing more of it, account moved and Hsbc closed. I got a letter on 24th March from hsbc £68.68 had been taken out of the account and that it needed paying. So on the 26th March i rang them up, paid it and was told my account would now be closed. I got a statement today out of the blue showing that hsbc have added £25.10 in charges to the account, so i rang them explained everything and they have point blank refused to close the account and will not remove the Charge that they have put on. Can anyone advise me on what the best course of action would be please,

I took out a mortgage with Halifax BS between 2003 and repaid it in 2009. I had been payment protection on the mortgage. I would never have taken out the cover but was informed when arranging the mortgage it was a requirement in order for the mortgage to be secured. I believe this to be a case of mis-selling? Does anyone agree? I also do not recall seeing any Policy Documents for the PPI. Is this something I should have received? Do you think a 'SAR' will uncover these documents? Thanks for any responses in advance Regards Dave

Hello Short background My mother passed away 6 years ago and the estate still has the house. Initially the mortgage wasn't paid for 18 months after her death - neither myself or the co-exeutor were working and in 2008 HIPS were still enforce and there allegedly wasn't any money left in the estate to pay for a HIPS so the house couldn't be sold (there should have been enough money for 12 months of housing costs but co-executor spent it all in six weeks down at Tescos). Roll on to now. I have been in and out of work, used a PPI win to avoid repossession in Oct 2009 (literally arrived back from arranging the transfer to find the court papers on the doormat) Arrears built again - were cleared again - built again were cleared again - currently cleared and my work situation is looking more stable after changing industry - the right decision my income is much healthier than it has been in about 7 years (council tax arrears are next to be cleared in a few months) Halifax did what all mortgage companies did - the computor send the same letter out every month the only difference being around £300 arrears, and £1700 arrears where the wording changes but essentially the same. They charged £35 for these letters. A year or so ago they restructured the mortgage into 2 accounts the capital account and a secondary account of about £2K which I understand is where they put all the charges and fees There is also two sets of legal fees - one for when they used the court to have myself and the co-executor declared the legal owners - co-executor swore he had completed and sent in the probate forms - more lies he is good at lies and bugger all else. Took me two days to sort it after I spike to the probate office and they told me they hadn't received any forms - he didin't seem to know about a few things required when filling these forms in so I know it was lies not lost. The second set is the fees up until issues the court summons for repo - that was stopped a week after I sent the lump sum from my PPI in. I suspect that there is another fee for a visit - I told him to get lost I am going to start with a SAR to find out all the fees added since my mother died. I want to try and sell this year so the getting the fees back is within my remit as executor to maximise the estate value. Lower mortgage left more left for the beneficiaries - me and the lying theiving co-executor. So SAR next week and then the rest of the process starts The mortgage is in the name of personal reps of Mrs XX but the mortgage compnay has a copy of the probate documents so they know I am partially liable for the account Not so brief afterall:oops:

Hello all, To get to the point I'd actually like advice on, I'll have to run through the story so far, I'll try to be as brief as possible. Around 2-3 years ago I ran into financial difficulties and began struggling to pay the minimum amount on my Amazon credit card (administered by Halifax). It didn't take long before it was referred to a DCA but, as my situation hadn't improved, I was unable to pay the amount they were requesting. After several threats of court action but none taken, I became suspicious that the debt may be unenforceable, so I sent a CCA request. At first sight their reply looked like I didn't have a leg to stand on, but after closer inspection (and research on this site) I realised that what they had sent was merely a web application, printed and signed by me, accompanied by an unsigned CCA. The DCA continued with the threats of court action but, to my surprise, agreed to my proposal to pay a nominal amount each month, which will take more than a lifetime to discharge. I guess I could have not bothered with the payments but since it doesn't impact my life much, I decided it was the best way to keep the peace. However, the subsequent default on my credit file has impeded my ability to get further credit, especially mortgages. So it was with joy that I greeted the victory of Durkin over HFC in yesterday's Supreme Court ruling. The CAG email I received this morning reports that "the judgment means that banks have a duty of care to ensure that an agreement is enforceable before they issue a default on a credit file, otherwise they are liable for damages". This has prompted me to consider writing to ask that the default be removed from my file, but I realise that if they concede, Halifax are admitting the debt is unenforceable. It may be too early to be asking what the implications of this ruling are, but I'd appreciate any opinions or advice.

Hi, New poster on here and a bit long and complicated this one so bear with me and I hope someone can help. I have raised this as a complaint with The Halifax. In summer 2011 I put my house on the market as I got a better job in another area and the commute would have been too far and costly. The sellers market was not the best at the time and I struggled to get any interest even with a lower price. I reluctantly decided to rent out the property and phoned The Halifax to inform them of my intention, the first person I spoke to said all I needed to do was call back when I had a tenant and they would note it. When a tenant was found I called The Halifax back to inform them. But this time I was told I would need to go on a consent to lease mortgage that attracted a higher rate, increasing my monthly payment by £200 and a £1499 product fee would be added to the mortgage. I explained that this increase would be detrimental to my circumstances several times, also that the last thing I wanted was to be a landlord, just to get rid of the house and move on. The alternative was a lower paid job or the dole. I also complained at the time about being given the wrong information about consent to lease, for this, they waived the valuation fee of £110 but I made clear I was still unhappy and only continuing because I had no other choice. I moved out to a rental property nearer to my workplace and informed the local Halifax branch of my new address and also informed the mortgage centre of the new correspondence address. Turns out that they continued to send letters to the mortgaged property and luckily the tenant kept them to one side and did not open them, I phoned the mortgage centre to tell them what had happened, they apologised and made a payment of £35 as a goodwill gesture. I was able to transfer to a nearer workplace tho my mortgaged property so I gave my tenants notice to move out. I informed the mortgage centre that I was moving back in and again asked them to update my records and take the consent to lease indicator off the mortgage. I wanted to check my credit file so to make sure everything was ok both with the mortgage and with other accounts and I noticed that the address on the mortgage detail was an address I had not lived at for two years. Also, they have not removed the consent to lease. I also read the MCOB guidelines and interpreted them as saying that if a product was unsuitable then it should not be sold and that the customer should seek I independent advice, I was not informed about any of this when sorting out the consent to lease, despite me constantly saying it would cause difficulty and asking about other solutions. I would like to hope that MCOB applies in some way because I really do think that there was another solution. I would imagine Halifax's response would be that because I was no longer living at the property and it was no longer a residential mortgage, there was more risk involved for them, ignoring the fact that it made my position worse and added more onto my outstanding mortgage balance. With regards to the poor handling of information I gave them, it was not just the once, but three times they failed to update the address accordingly. This is not just a mortgage centre problem, Halifax credit cards also have difficulty in updating addresses as they did the same thing, luckily our mail was redirected and we were able to change it, but with the mortgage, for some reason the address reverted to an old one, who knows who got hold of any letters. Any advice on my next move, anyone with knowledge of MCOB and wether it applies in this sort of situation, or some general pointers on what my next step should be when I get a response would be greatly appreciated. Thanks for your patience in reading this.

Hi all, Looking for some help if possible. Have just been to Halifax for a mortgage application. Now I wasn't declined straight away for some reason on the initial meeting which the adviser says is strange and has a ray of hope as usually this gets declined straight away. However met them today and he couldn't process it or take any money as he wasn't sure if he can get us the mortgage, due to this default which has been settled. He has said it has to go onto the underwriters where they decide. I'm not hopeful at all. Now I bought some stuff through Next in which I fell behind of payments due to no work as a self employed sparky, tried to sort this with Next but debt sold to Lowells. I never signed up to an agreement with them so I assume they didn't or couldn't default me. The debt was sold to Lowells who then sent me a letter harassing me to pay. I never received a default letter or any notification that this would happen. Now I am really stuck as to what to do or find out who actually set the default, as both companies deny it. What now?? Thanks all

My issues began when I sat trying to organise my finances, as having recently become a single parent my finances are going to be extremely tight if I'm not careful. My sometimes awful management of money cannot continue. I had an idea come to mind. It involved creating an individual savings account per event, per bill and per any other expense envisioned. I went about putting this into practice. Created the accounts, named them as per their purpose and even added what amount is due in each ones title. It worked, I could create as many savings accounts as I desired (14), then have all my money transferring on pre-determined dates as required. That's where I left it for now though - I'd have came back on to set the transfers another day. Soon [1night, or 1or2 days] after I've done this and the bank has let me create these accounts, my internet banking becomes blocked by the bank. On my first phone call, I was told quite literally: Close these accounts or find another bank. I react by showing surprise (in tones mainly, few non offensive nor aggravating words), but soon accept it's their show. I fully agreed to closure of those accounts in order for me to regain internet banking access. I'm told my internet banking should now allow access. It doesn't, so I gave it a day or two. (This operator handling the above had the most awful manner. I'm a polite man (I hope). Her undertones were though - whilst remaining employable - those of a discreetly belittling context.) The second phone call. More of the same (except for a great attitude from operators from here onwards). A different variation on the explanation for why the bank is not allowing my multiple accounts, but told the delay on regaining access is due to closure of the savings accounts taking up to 4 days. A week later. Another call or two. I'm now told I must take identification into the bank ...then... my problem will be resolved. It's feeling a very drawn out issue by now, even the phone bill is entering my mind. But, I reluctantly pop into the local Halifax branch as requested. The gent takes my ID, makes his call to resolve the problem, He came off the phone and informs me I've been sent a letter, stating that all bank accounts are being closed in 60 days time. (!!!!????) He also mentioned that a repayment plan will "probably" be set up in order to repay the overdraft. I feel utterly gob-smacked, penalised and a little bit humiliated - particularly after having been a customer for 12 years. I'm sure I've not got a leg to stand on. But now feel completely deflated - taken steps to move on with my tail between my legs - but wondering if I've just been bullied out of my Current Account for unfair reasons. If they'd spent I feel mere minutes, they'd have seen the accounts have not been used fraudulently. My minds floating between... Account closed due to them; A combination of their lack of having a limit in place and then lack of properly looking into my case? Account closed due to me; I'm at fault, as they should never have been expected to limit number I could create through their internet banking site? There has been only a matter of 40 pounds shared between a few of these savings accounts, if the history is properly reviewed, it's clear I've done no wrong. If they'd SIMPLY had set a limit on the number somebody can create, I'd not be here now and still have my 12 year old bank account. I have to wonder, would they have done this to a man with millions, would he have the time invested into justly treating him? Please. Any advice would be appreciated. Am I being penalised? Or does me being penalised for their poorly implemented limitations matter? I'm not even sure what to ask. I'd just be grateful for any direction. I'm more than happy to answer any questions (I think). ~ Neil

Hi, Ive recently had a fraudulent payment from my bank account, the Halifax have said they dont see it as fraudulent and have refered it to there disputes team, as a result its cost me £110 & today they have offered a £40 compensation payment to me, can anybody help me please & also can someone advise how I should proceed. many thanks lee

Dear all I have received the informartion from Halifax on all charges on my current account and now need to know how to progress. Do I just highlight these and send to the bank or FOS? Do you have a letter template I can use? I am a single mother who works but have experienced payday loans excess charges and thus causing fees on my account and also passing to other companies who have taken too much. I am in serious debt and although work am making it hard to make ends meet. Halifax have refused to help me with any charges apart from cancelling these for 3 months but I want to claim back precvious charges. Please help - thanks so much

I have called Halifax twice about a company called pointpay. they are taking money each month, I have no account with them, have emailed them. Called halifax. I had one payment pending this weekend which I need for a flight tomorrow. Halifax want to open a long investigation but wont stop the pending payment. what can I do