Desperately need help I have a suspended repo order on my home made around 3 years ago, now halifax have applied to enforce the repo order. They wanted £4500 to stop it going ahead but i have today received a copy of the notice that has been sent to court yesterday (11/11/2013) it asks for a warrant to be issued. I have all ways been in touch with Halifax, my husband was made redundant and has been in temporary work for the the last couple of years but got a permanent contract 2 weeks ago, (the day i found out Halifax wanted to repossess) We have arrears of £12500 on a £111000 mortgage with 16 years left on it. I had contact with their solicitors shoosmiths 2 weeks ago and advised them i could pay £200 extra per month and £4k on 7th January with a further 2 payments of £3k in april and august on top of the £200 per month meaning all the arrears will be paid within 12 months. They said they would send the offer to Halifax. I spoke to Halifax today and they said they have had no information from shoosmith and now wont discuss any payment arrangements until i have an eviction date. I'm so worried that once an eviction date is set they wont want to negotiate. I have 4 children the youngest being disabled, the older two help us to care for her, We desperately don't want to lose our home and break our family up Just as we were getting back on our feet Please can anyone advise me what to do i'm desperate. Thank you so much in advance

Hi there, We have received a Repossession Order from the halifax. We owe £4000 arrears,and until last week thought we were coming to an agreement.We havent actually missed a payment, just not paid the full amount. I did manage to secure more hours at work and was going to make an offer to pay our contractual monthly payments plus an extra £150 to help clear the arrears,this would be paid every 4 weeks (that is how my wages are paid,and it makes it easier,on payday just go to the bank and pay it directly) we received a letter from the solicitors on Tuesday saying our case was being handled by them, and yesterday we recieved a court repossession order for 19th December.Its all happened so quickly and I really dont know what to do, I am typing this through tears so apologise for any spelling mistakes. Thanks.

This is on behalf of my sister, I'll keep it short but the story is as follows; my sister split up from her husband 18 months ago, my sister remained in the family home with their 2 children, she wasn't working at the time, but following the split she was forced to claim benefits as her husband gives her money for the children, but nothing else. Therefore since the split he has not paid any of the mortgage or any of the bills, he now lives in another property with a loan he took out. As my sister couldn't afford the mortgage repayments alone I advised her to ask for the Halifax to put her onto an interest only mortgage until she decided what was happening. She then received income support and child tax credit, together with some housing benefit which meant she could meet the monthly payments. The mortgage is for £110,000 the property was last valued at £180,000 so she has equity in it. She has since found a part time job so now receives no housing benefit Halifax have now told her she must return to paying her full mortgage repayments, they refuse to allow her to remain on an interest only mortgage. She informed them she wishes to sell the property (marriage is over) but the house requires some building work finishing that her husband started, before she can sell. The refuse to help her in any way So she has today asked the following Can she extend the term of her mortgage to 25 years - they said no Can she put the mortgage back onto interest only until she sells - they said no Can she apply for a holiday from her mortgage - they said no She called me and was very upset, I told her to call them and ask for an appointment at the branch and I will go with her. I'd read some info on the Council of Mortgage Lenders Website about their members offering all avenues to help out their customers. So she rang them back to make an appointment, the manager at the branch has refused to give her an appointment!!! Told her she has to ring up and there is nothing they can do anyway!!! I'm furious! So they will force her into arrears despite her informing them of her difficulties and then repossess her home!!! I've since been onto Halifax's website where you can make an appointment online to go into your local branch about your existing mortgage! So I'm unsure of exactly what is going on! Any help please???

Hi, A combination of being out of work for a few months last year and moving to take a substantial pay cut means I'm starting to struggle financially and it's got to the point where I'll have to borrow to meet my commitments which obviously isn't really a sensible path for me to go down. At the moment I have around £280 a month left after all my direct debits etc, and I still need to buy food, gas, electricity, clothes etc out of that. I'm currently considering a debt management plan, however the bulk of what I owe is with Halifax so I was wondering what my chances were of negotiating directly with them to make payments more manageable or freeze interest/charges. This currently consists of: £10k overdraft, maxed out, paying £93/month in 'fees' - this one is the killer for me because I don't see any hope of reducing this even in the medium term with the monthly fee. There's no way I can make a dent in it so I'm just paying the fee at the moment £4k credit card - maxed out, minimum payment of ~£40 a month 3 x loans - total balance around 15k and monthly payments of around £600 a month I'm not looking to get out of paying them what I owe, because I knowingly took on the debt. I just need a more manageable monthly payment and a way of actually paying some of the capital off the overdraft rather than the £93 a month fee. Is it worthwhile contacting them? If so, which address should I be using and is there a particular template I should use? Does anybody who has been in a similar situation have any experience of this? I'm keen to avoid DCAs and having to formalise my issues with a DMP if I can, and they'd probably end up getting less from a DMP anyway.. Any help would be greatly appreciated. I've been putting off tackling this for far too long.. Thanks in advance!

This week I had a letter from the Halifax advising me that they were reducing my faciity from £1750 to £250., because " I have not been using it" I have been with them for over 40 years. The facility enables me to make "emergency payments or holiday deposits". On average my account is £300 in credit My pensions of about £900 pm is paid in directly I have not been overdrawn for at least 15 Years My credit rating is very good The account is topped up when required from my Natwest account, which receives my returns from investments. My overall credit limit with Barclaycard and RBS CREDIT cards £10.000.00, and when used always paid monthly in full. When I rang to complain, they agreed to uplift it to £1000 Max. I have written back to Halifax and told them I am agreived and to reconsider the decision, I have always been satisfied with them, but I may have to break this relationship of over 40 years. I await a reply Any comments or advice please?

hi, i sell on amazon and have been using halifax for years for my amazon payments, on the 3rd october i opened some new online savings accounts putting 1 pound of my own money in them, which i was going to use on for selling on amazon, after which my online access was restricted, i only found out about this yesterday, phoned them got through to the fraud team, which for very rude and unprofessional, intimidating almost, basicly i said i opend couple of onlinne saver as i sell on amazon, the guy said i will never need this many accounts,you could be doing pay day loan frauds with theses what ever that meant, then he bluntly said we are closing your account, go to your nearest branch and take out all your money, thats my only options there is probably over 2000 pounds in the accounts, i phoned up an complained, and they have opened a case, they basicly put me on holl for an hour after which they hung up, phoned a few times though and eventually got a case opened up, amd threatend the finanical ombudsman etc after reading this forum and hearing all the stories about halifax it would seem i might be wasting my time complaining?? anyone else any experience with this?? what would be the best way to deal with this??? the halifax account are not my main accounts but i was happy using the online banking??

I am currently in dispute with the Halifax credit card people over miss sold PPI which is now with the financial ombudsman. My outstanding is around 6k, I am responsible enough to appreciate that I must pay this back. Unfortunately the same cannot be said of them returning my PPI payments. They did however offer me a settlement of half the balance a couple of months ago, ironically a similar figure to what I would expect the PPI settlement to be. Halifax then decided to hand over the outstanding debt and I received a letter 2 days ago from the delightful Moorcroft Debt Recovery, with the usual ambiguously worded threats etc. .quite honestly until the PPI issue is resolved they can whistle Dixie. My real issue is that today I received a call from my old office stating that a man called Ben from MDR had called asking for me and left a number to ring him back. Ringing me at work, really! surely thats not on and in their letter they generously gave me 7 days to respond and this is day 2 am I being harassed here, it sure feels like it.

Hello, would like some advice if possible... I had a current account with Halifax, which had a direct debit going out each month. I opened a savings account and transferred most of the money into that. I moved to a different address and forgot to change my address with them as I was really busy studying. I later found that my direct debit wasn't being payed, and that the current account had gone into overdraft which I was getting charged for. I found out that they had taken the money from my savings account to pay off the charges they had given me and then closed the account. The person I talked to at the bank told me this and didn't say anything else about any more money owed to them. It was really annoying as I had over £1000 in there which had just been eaten up by extreme overdraft charges. But I left it and just thought it was a harsh lesson for me to check my account. But then I started getting phone calls from Cabot finance. After a while of not even answering them I was curious what they actually wanted so I answered. He asked for my address which I didn't give. Then started talking about a debt I had no idea what could be. I found out he had my old address on file and they had sent a letter there. So I went to my old address to get the letter and it said they had bought the account from Halifax. It was bad enough Halifax had taking all the money from my account, but now Cabot wants £166.89 from me as well. God knows how much more they will try and charge for interest as well. Needless to say I am not keen on handing my money over to these blood suckers, and I don't even have the money to at the moment. I am living in overdraft and it's hard enough to make sure I have money to pay the rent. I'm not sure what the best thing to do is.. .do I try and reclaim the Halifax bank charges? and just not answer to Cabot? I haven't given them my new address..

Hi, Advice please for my hubbies account, he had an account with Halifax which has now been sold to Lowells, I sent a CCA and have received the credit agreement and terms and conditions, all looks ok there, apart from receiving it in 2 envelopes with covering letters, 1 giving 7 days to reply and the other giving 14 days to reply with payment proposals. I have been looking around other threads and have found something that I think applies to him, back in 2011 he received a default letter dated 16/5, asking him to pay the arrears by 30/5 or the account will be terminated, (unfortunately we did not have the funds at that time) he then received a letter dated 27/5 that the account has been closed. I did not notice this before, can I now send a letter to Lowell that I am disputing the account, due to the discrepancy of the default and termination letter, as they have not given sufficient time to pay before closure. This account has been transferred to various DCA over the last 2 yrs, but now has been sold to Lowells I am also claiming back charges and just about reply when I have seen this. Thank you for any replies, B

Hello everyone I have been dealing with the Halifax recently after searching my CRA to see that they have a default registered against an account which i had left more or less dormant. In the account i had CB being paid in and a two DD going out. I left this account as such due to me having an initial £1500 overdraft removed without reasonable warning. So i decided to change banks and have banked with a different bank since. When the Halifax decided to remove the £1500 overdraft on the account i complained about the lack of pre warning and the serious issues it generated for my finances at that time. They reduced it to £100 which was a dramatic drop. So with only CB being paid in and a regular DD going out it was left as a half dormant account. I removed the CB payment going in and DD to my new bank and left the Halifax account standing. Or so i thought. After checking my CRA file i notice i am £600 overdrawn with the Halifax and have a default registered against me, so i walked into the local branch to ask for statements for the previous year from default to find that the charges applied to the account sent the value beyond it's authorised overdraft. So i sent an online complaint to Halifax about this and received no reply after 7 days so re-sent my initial complaint. Upon which i was contacted via telephone to inform me that the bank would not move on this matter (later confirmed by letter) to which i replied with a detailed breakdown from the information i had that the total income and outgoings on that account amounted to -£7 without charges, also informing the complaint handler that should the case be referred to the FOS it would cost them more than their claimed debt amount. There answer is still the same, they are unprepared to budge. So for a claimed debt value of £600 where the initial debt value is £7 (authorised) what suggestions do people have. The opening statement i received was a charge sending the account beyond the agreed overdraft btw.

I am looking after some debt on behalf of my girlfriend. I have been provided with the free CRA report from Noddle and it shows on there that one of the debts is a Halifax Unsecured Personal Loan. The status of the loan is default but regular payments are being made to a DCA. There are no real issues to speak of as of right now. Investigating myself and reading around the forums I have had a thought that maybe there is a PPI refund due on the account. What would be the first steps to take in order to find out whether anything is due? Is it due even thought the status is default? I don't have a copy of the agreement so would it be to ask them for information? Will they be honest? Please help!

I have been having an ongoing hellish situation with Halifax - it's a long story but the gist of it is that my account was suspended/made inactive while an investigation took place, I was never told any reasons why this was taking place (despite asking continually) but I assumed it had to do with a £12,000 transfer I made from Barclays to a Halifax account that I did not regularly use. This money was made up of backdated sick pay and wages from my NHS employer and I was able to prove the money was legit through wages slips, letters from my employer etc. Anyway, in the 3 weeks since I have been "cleared" and told by Halifax, that all is ok, I have largely been unable to transfer or withdraw funds. I have had the odd few days where I can withdraw a small amount of money but then I am locked out again. Pretty much every day, I have had contact with Halifax customer service, either on the telephone or in branch, and been passed around to different departments who always tell me that the problem has been resolved only to find out it hasn't. On their advice, I even opened a new Halifax account and transferred the money in to that but I am having the same ongoing problems. I have been told that there is a problem associated with my with my name due to fraud happening on my account earlier in the year ( this was a result of Halifax sending a new debit card and unrequested pin number to an old address and someone at that address used the card and pin to take money) and the above mentioned transfer. This has all been happening when I have been recovering from having had 4 cycles of chemotherapy for cancer treatment. Anyway, at wits end and want to go as high up as possible to get this sorted.

summer holidays about to start, expecting children over for the first week of the holidays. vodafone decided yet again to overcharge me this month and bar my phone, nothing new there, however went to shops to get credit for my pay-as-u-go and first time ever my bank card doesn't work, 4 times, so needing money and phone credit to contact the x i go to my bank who i've been with for 15 years plus, and they all know me there, however on inserting my card in the atm for a mini statement the atm grabs my card, i go to the counter and join the proverbial long cue, this is when i find out all my accounts have been barred because according to the bank i've received a fraudulent cheque, on verifying the details i go home to retrieve the receipt for the cheque paid in which transpires to be one paid to me by a friend who did an end of term school disco and had hired disco equipment from me to do so. not the first time for this school either, on producing a receipt and details to the counter staff, they call the head office who inform them that i have to produce an invoice for the transaction, i explained that the transaction was done third party and the school wont know me also as this was the first day of the holidays my friend had left for his holidays and the school was now closed for six weeks, and i needed to get cash that day but they insisted my accounts were barred and all dd and so would also not be paid from any account, i insisted on talking to head office to escalate a complaint and get an explanation, and on many calls from the branch being cut when put on hold i finally spoke to a lady who informed me that she didn't believe the cheque was fraudulent but they will continue account barring till i produce an invoice Fraudulent,cheque,really, even though i reiterated the details of being a long term client, highlighting why id be stupid enough to pay a fraudulent cheque in my account, and also the cheque had the primary school details printed on it as it was paid from their bursary, and the need for cash at the holiday start, this sis when they said i could still make withdrawal over the counter but couldn't use my debit cads???? i asked for the details to be confirmed by letter to me and left it at that. off i go knowing i've no card facility for six weeks, and £70 down in my account, as i wouldn't be able to contact the school till then or contact my friend for two weeks to see if he could get any contact with them prior. six weeks went by as myself or my friend were unable to do anything till the school opened again, and by per chance i went to the bank again prior to the school term recommending to make a withdrawal but the counter assistant said i was unable to due to my account being blocked, on reiterating the details over the counter albeit humiliating, she looked at my account details and said that all bars had been lifted as the cheque was fraudulent, i was dumbstruck being that my friend would now have gone to the school to chase up details and subsequently look like an idiot or accusing, and i would have to explain to him now that it was a bank fault ?? i escalated complaints with the manager and after going over details i received an apology from her, despite the fact it was nothing to do with her or the counter staff, and then came that question and the reason i've written all this on this forum......what would you like??? oh dear, initially i though of all the humiliation and hassle, agro with two children having to waste time in bank ques to get withdrawals and only at my local branch because my accounts just showed up as barred anywhere else, the worry having to carry around cash enough to facilitate the childrens needs whilst out, mostly the loss of £70 for a six week period, then i remembered that id not received any letter of confirmation about the details id requested that i would have needed had i been able to contact the school, which also highlighted the fact to me that id not even been informed that the bars had been lifted on my account/s and had found that out by chance. the question of how much compensation, i am not a complaining type of person and don't get time to do what i've had to here, i have complaints with now almost all of my domestic suppliers due to incompetence on billing and am currently waiting to get time to chase up another two banks and two network providers that have promised compensation due to failure in services but have subsequently disappeared. what does one ask and what will compensate such an experience, who knows, as this may have ended or been resolved in the banks minds but for me the escalation of complaints and e-mails shall go on and on as that is the only port of call for complaints available nowadays. i am awaiting a call from the bank manager with proposals but whether it is satisfactory or whether i take it further to watchdog and /or the fso will yet to be seen. i better get used to this sounding off i suppose as i still have all the other complaints to tackle yet....... .....just let them go, not on your nelly having been a loyal paying customer for years with most of them i should expect and receive at least a generic customer service level yet i'm abused, ripped off and played about along with the rest of the decent general public and it should stop. i guess the figure i may ask for is the figure that such a hopeless company as vodaphone just sold themselves for, 82 billion pounds, and good luck to the new owners, energy suppliers i think ill leave till another time, but the elderly i feel sorry for, i'm 50 and i find all this stuff quite overwhelming, especially when they don't put there hands up, tho subsequently its now no better when they do.... .hmmmmm.... .End Of Constructive Unpunctuated Rant any replies or ideas welcomed.

Hi there I've recently had a charge to my bank account from a MYLOANS (with a long number attached) for £69.99. Upon further investigation I find out through the internet that it's a 'broker fee', I did not and would not ever accept charges like that to my bank account. So I phoned Halifax today regarding the issue and they say they can't do chargeback on Broker Fees which to me sounds ridiculous because I didn't request a service or receive one and I was still charged so this is fraudulent! My question really is where do I go from here? I've seen comments on similar forums saying I should be demanding chargeback and not requesting it, seen as how my debit card is a VISA there's no problem there I assume. Thanks in advance!

The second of my new list of threads: I CCA'd Cabot who replied. "There is no need for us to provide a copy of your credit agreement under the CCA for Current Accounts and Overdraft Facilities, as Part V of the CCA does not apply to these types of accounts. The exclusion of Current Accounts falling into Part V of the CCA is set out in section 74(1)(b). Therefore, as will not be processing your request for this account we have returned your fee with this letter. For your ease of reference the outstanding balance on the above account is £3,675.01. We trust we have set out our position clearly." It's not clear to me, what does this mean and what should I do next ? Any advice would be very much appreciated. Thanks TG

I lodged a complaint over the phone with Halifax in early May and obtained a reference number. Halifax failed to issue any correspondence or response to the complaint and after more than eight weeks I referred the complaint to the FOS. I received back a letter saying I must first take up the matter with Halifax and my complaint had been referred back to Halifax for handling. I phoned the case handler and he said that because I had not included the final response or any other evidence of making the complaint, he wasn't going to take the complaint forward. This despite me saying that I hadn't received the response within the eight-week period, nor anything else at all. Halifax is proceeding to re-ignore my complaint (assuming it was ever sent back to them in the first place). Any ideas on what to do next?

Hi Im processing a PPI claim for my wife, we had a letter from halifax saying that we had PPI on her credit card and if we feel it was miss sold then let them know which we did as we were not even aware we had it. We told them this, we told them we didnt know the policy existed and it was never requested, if we were offered it it would have been refused, also if something happened and we needed to claim on it we wouldnt have been able to because we didnt know it existed. they have sent a refusal letter that is from what i can gather the standard one. Ive drafted a appeal letter that ive put below, can someone read it and tell me if its OK before i send it on? Thanks Dear Sir/Madam, Ref:*[insert your PPI policy number] On*[date of first call]* I called you regarding the PPI policy I was sold by*Halifax in conjunction with my application for a*Credit Card.* I have since received your reply; however I do not feel that you provided me with adequate justification that the policy was sold to me fairly and that it is, in itself, fair and reasonable as requested.* It was not explained to me what PPI was or that I was being sold it. it was just included on the credit card documents like it was a necessity. I wasn’t even aware I had the PPI protection till I received a letter from you years after the policy was set up Informing me it was there. During the Time I Have had this credit card with PPI protection I have suffered a serous car accident that has left me with constant back problems and I have had 5+ months off of work because of this. I did not claim off of my PPI insurance during this instance because I was not aware that the policy existed . This would have been the only time I would have attempted to claim but in my research for this claim i have come to the understanding that PPI does not actually cover back problems so the policy would not have been suitable for my needs. If I was actually offered it at the time of my application I would have refused it. As such I plan to take my complaint to the Financial Ombudsman if I do not receive a more favourable response from you within the next 14 days. Yours faithfully

Hi, could some one give me the number for halifax ppi, I have 08456014034 bur carnt ring this on my mobile,and no land line thanks.

Hi I use to have a Halifax Credit Card. This was defaulted back in 2009. I have been going through the statements and want to put in a claim for PPI insurance. 1, Is this compound interest 2, Is there a spreadsheet that I can use to assist me with this? Thanks in advance for your replies.

I got in some difficulties and lost my job, as someone close to me passed away i was having difficulties coming to terms with it. ended up being gambling addict, I'm recovered now have been for some time. although i put a block on a lot of gambling sites so i cant join them again. Due to situation i was struggling to buy food and other items due to being out of work and gambling, i told Halifax of my situation and that i was unemployed but still had around £2000 savings only, it wasn't much but he saw my savings, it was just under £2000 not much. To my surprise he upgraded my bank account and gave me a £6000 over draft even though i didn't lie and was totally honest about being unemployed, surprised they didnt even check that i was spending all my money gambling. Yes i was young and stupid, i lost money on gambling and general living until i got back on my feet again with help of family and friends. The bank then chased me for the debt, i informed them that they shouldn't of given me a overdraft of that much when i was unemployed, they wrote back admitting they were aware i was unemployed at the time, but because i showed proof of having funds they thought i would gain employment soon, seems odd answer as do they normally give people money in hopes of them gaining employment? plus £2000 is hardly a lot of money. I spoke to someone from Halifax on the phone who told me that they had made mistake by giving me the overdraft but they have not admitted this in writing. I also told them that most of transactions were gambling and i was going through difficult and depressing time, i was on medication also, they just told me sorry to hear that but i still need to pay outstanding amount. Although they did leave me alone until debt was recently passed on. Do i ask for credit agreement or how do i go about disputing this, as i really cant afford to pay it now. As though I'm back on track i don't have the money to spare to pay of the debt as it will leave me struggling. I still have a basic bank account with them they have not closed that down. But they passed my debt to a collection agency. I will never gambling again or get myself in this situation, i had bad time in my life and could not deal with daily life so went into my own world.

I have a default on my CRA filed by the Halifax/Bank of Scotland in June 2011. The account has been terminated and passed to DCA, including additional charges above the credit limit. However, I do not remember I had ever received a default notice from the bank. Around that time I had medical problems. The upshot was that I paid little to no attention to the monthly credit card payments which resulted in a default on my CRA even though the bank failed to present a formal demand with reasonable time to respond - as I'm stipulating. I read the CAG forum and attempted the removal of the default. I sent a first letter (a template asking the bank to substantiate the copy of the default notice) to Halifax early May to which received a reply with a copy of the original terms and conditions and nothing else. It was noted that the copy of the original signed application form would follow but I haven’t received it since then. The letter was also silent about the deed of assignment if the debt was sold. I sent a second letter to Halifax late May insisting that they would substantiate the default notice and answer my questions within 28 days. I have received no reply to this letter. I sent a third letter to Halifax after 28 days passed advising them they would have to answer my questions within 7 days, otherwise I would take action and inform Banking Ombudsman, Office of Fair Trading and the Information Commissioner's Office. Since then three weeks passed and have received no reply from the bank. I sent Subject Access Request letter to The Bank of Scotland using their ICO address on July 17 and awaiting for reply. All the correspondence was sent signed for. My questions to you are: 1. Is it ‘normal’ for the bank to ignore its client and what the lack of reply indicates? 2. Is my position strong enough to get in touch with Banking Ombudsman, Office of Fair Trading and the Information Commissioner's Office and succeed in my pursuit of the default removal? 3. Should I wait for my SAR reply before taking an action? 4. Should I pursuit an alternative strategy? I’d be grateful for suggestions and might consider a donation once my finances get in a better shape!

Any advice here would be appreciated, I submitted a claim on my halifax home insurance as a leak under the kitchen sink had caused the kicthen cupboard to rot and the solid wood flooring. The flooring stretches through to the lounge and if you replace the kitchen flooring the whole lot has to be done. The chap came and said that the kitchen base unit needed replacing and the approx 18 sq metres of flooring needed replacing. He said either their company could do the work or they would give me £413 to do the work (thats with the £450 excess taken off) So i suppose that means without excess they are kind of saying the job totals around £900 ish. I think the chap called the wood floor laminate, which it isnt, its 15mm (cant remember the name but its definately not cheap laminate), it cost me about £2000 a while ago to be fitted. I would prefer to to get the work done myself (as i know tons of floor layers) and also dont like the sound of someone doing all this work for such a cheap price, they might bodge it and Id rather get someone in my home that i know and trust. Im just annoyed that they have given me such a low price, I will never be able to find anyone who will be able to replace the floor like for like and replace the kicthen base unit all for £900! Whats the point in having insurance like this if they dont give you a fair price for the work, thus forcing you to use their own companies for the work?? thanks for anyone who can help here

Help needed as i feel very strongly regarding a late payment charge of 12 pounds added to my account which i wish to dispute. I had an outstanding balance of 180 pounds which was due to be payed off by the 8th of July 2013, the goods i purchased was returned for a full refund and my account was credited back on the 20th June 2013. I believed this would put my credit card balance back to nil so no payment was necessary, this appears not to be the case. I am told that a credit refund does not count as a payment so i should of made a payment hence the charges.Does this really count as a late payment,it seems so unjust also do i have to worry regarding a late payment appearing on my credit file.

http://www.mirror.co.uk/news/uk-news/halifax-bank-scotland-fined-7500-2034517

Hi I have had my card cash account for the past 13 years with halifax the reason i use the card cash account is i like the fact that no one can take money out the account if there is none in it . i have been off on the sick and not allowed to work until further notice which made my budget alot tighter went through my statment to see what i can save money on and noticed that for the past few years i have paid a hell off alot of returned direct debit charges from times i was on on job seeker to the times i was employed and i was just wondering if theres any hope of the bank returning some of these charges or do i have no chance lol there is around 900 pound worth here is just some 1st july 2013 - 20 pound 3rd june 2013 - 50 pound 1 may 2013 - 10 pound 2nd april 2013 - 10 1 feb 2013 - 10 pound 2nd jan 2013 - 20 pound 3rd dec 2012 - 40 pound 1 nov 2012 - 10 pound 1 oct 2012 - 10 pound 2 jul 2012 - 10 pound 1 jun 2012 - 10 pound 02 apri 2012 - 20 pound 1 dec 2011 - 10 pound 1 jul 2011 - 10 pound 02 feb 2011 - 10 pound 05 jan 2011 - 10 pound 05 oct 2010 - 15 pound 12 aug 2010 - 15 pound 07 july 2010 - 15 pound 22 june 2010 - 15 pound 26 jan 2010 - 15 pound 19 june 2009 - 35 pound 23 june 2009 - 35 pound 23 may 2009 - 35 pound