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  1. The main chaos was all about the cowboy builder to ask the facilitating payment fraud just after the garden wall he demolished in his plan. Make long story short ( go to the paragraph 14 ) ----------------------------------------------------------------------------------------------------- Claim Case registered in March 2014. * However, Halifax assigned its panel*claims management company (LAS) 7 July 2014 handle my case. * on 7*July 2014 The loss assessors provided by LAS confirmed the two hours*appointment commencing at*4pm,*10 July 2014. * LAS emailed me with offer*£65.01*(they actively*already deducted the excess fee). This amount is very unreasonable, and I had rejected it and made request to fix the damaged. Later on, they made second offer £523.97,*I rejected it again*because I just want the damaged got fixed. * I complained to Halifax about the surveyor*non-professional behaviours because I was been advised this is essential two hours slot appointment, but*he came late nearly*1 hours, and work less than 30 minutes then leave the job without some damaged check such as leaking in shed. * On 12 August 2014, I had contacted Halifax to have follow up my complaint, and requested of another company to have re-assessment, and I had clearly request to fix the damaged by insurance and disagreed LAS suggestion to use the claim case to make a money. I also make encounter offer another £500 back to Halifax to have damaged fixed. (voice recording: Call162644.wav) * I had requested to send me the official letter if they unable to fix, then I can escalate this to ombudsman. I contacted them. However, they had no response and even no setup the complaint. * On 20 Nov 2014, I had contacted Halifax home insurance and insisted insurer to fix it, and disagree their intention to close the case. ** Insurer had closed my case, I complaint they should not close the case without my consent and should not ignored my request to keep it open until getting fix the damaged. * Finally, Halifax appointed the beta-coveXX to do the survey becasue they know they are in wrong position. I had received the email from*Beta-coveXX's Inspection and Claim reported in 25 Jan 2016, and contacted with Beta-coveXX(Mandy) about the details of*repair tasks, and she sent me the three documents which are*authorization Mandate,*Conditions of Work and*Approval Letter Nick on*27 Jan 2016. In 25 Feb 2016, I had returned three documents with signature and*with bank*cheque (22Feb2016-slip.jpg) by post to*Beta-coveXX after all parties*( Halifax/ Beta-coveXX and I) had clarified the work details. I found the cheque bank in at 26 March 2016.* * During the period from January 2016 to February 2016 , I would like emphasis that I decided to give up some tasks such as shed roof felt and its leaking*rather than reach an*impasse that Halifax only*accepted the full wall cover, and the rest of building tasks they had "successfully" avoid responsibility. * In Mid March 2016,*I was given the*Beta-coveXX staff (Pxx) mobile number to find out*when the work schedule commencing. Original work was*scheduled in early May 2016, however Pxx contacted me in late*April 2016*about the brick type issue*which*he cannot source it (this first type was proposed in 21 April 2016 with proposal date), and he requested to have second type of brick option which I had confirmed in 28 April 2016. Therefore, the schedule were finally*postpone to 25*July 2016 ( 5 days work). I had chasing*up him about the work schedule since Mid March 2016. In afternoon of 25 July 2016, after Beta-coveXX staff completed the few hours wall brick demolish, and Pxx asked £160+vat for brick release from sheffield if I want them to continue tomorrow work. I complaint this to halifax and claim team staff had struggled for an hour and finally agreed to pay it. * In 26 July 2016, I found no brick delivery, and no man to resume the work. In 28 July 2016, I contacted Beta-coveXX, they tried to be disappeared. Finally, Halifax transfer my call to talk to them and find out they had not placed the order before 26 July 2016, now told me the delivery will only take few days. Finally, I was been told this is available 9 August 2016, wasting 14 days.* * I had complaint the poor qualities of service provided Beta-coveXX, and cheating behaviour. I also requested*Halifax appoint another company to carry out the job.*Also reported the no wall causing the two*trespassing cases*issue, and requested to have temporarily wall built and cctv. However, Complaint Manager Mxx Wxxx decided to give me £100 but I*made encounter-offer to Halifax £200 (double of their compensation), and at least re-insist the temporarily wall and or cctv. However Mxx Wxxx insisted close my case and ignore my request to keep the case open until the damaged get fix. The same request I had made to Stuart, however he rejected it. * Complaint Manager ( Sxx Rxx) confirmed he*took*the decision from Personal Claim Consultant report to provide the his final decision letter. * Personal Claim Consultant( Dxx Txx) confirmed he took*the survey report from Regent Group to create his report*.* * Regent Group (Rxxx) confirmed he do “NO TEST”. He rejected to accept the £523 pounds to take over the rebuild work, and said non-sense offer. * My original complaint setup is 26 July 2016, which handled by Mxx Wxxx and she insisted to ignore my request to keep the case open and deliberate to close the case. When I complaint this again, Sxx Rxx setup as NEW case for same complaint to take advantage of 8 weeks rule setup and not accept my request to re-open the original case. During Sxx Rxx time off, I was advised to they can do the investigation more than 8 weeks, and I am not allow to put this case further (Ombudsman) until they finished the case. Finally, they took 12 weeks to issue the report to me. In fact, Mxx Wxxx, Sxx Rxx and Dxx Txx they had taken their holiday plan and leave my case aside. * The extra entities and process such as*Personal*Claim*Consultant and Regent Group, which is redundant, and interference the case.* The location of wall is now open, but*I was been*advised*by claim team staff*I have to*accompany*with Personal Consultant and Survey company*(appointed*Regent Group), otherwise dismissed my case. This caused me wasted two half days off. * In 17*Nov 2016,*Jxx from Claim department actively*proposed me to have cash*settlement by using my own*constructor, provided me the website by email**as well*as guide to find the contractors to*fulfil*their*cash settlement request (Voice Recording*from 16:34).*She understood this is difficult to find the contractor in the wintertime, and fully aware it might take 6 months and agreed this can be last to*April 2017 to have solution. * In 21 Nov 2016, *Jxx confirmed only one quotation need*(voice recording from*9:39); She confirmed Halifax cannot provided*a settlement offer even they had*estimate( voice recording from12:55). * In 31 Jan 2017, all in sudden Jxx*can make up a settlement offer and set the offer only 5 days(, then close case at 6 *Feb 2017 if I not responded.*I had responded*to her email sent on 5 Feb 2015*with quotation they requested, which fulfil what she promised in the phone (17 and 21 Nov 2016).However, afterwards Katie( help Jxx) responded she would*close*my case if they had not heard from me next 14 working days.*Next response that is final response from Natasha agreed to follow my decision the case escalate to Financial Ombudsman. The whole case last nearly 3 years.* Ombudsman response, they offered me £19XX + brick delivery is fair. It is usual the Halifax can have better rate from their business parter Beta-coveXX, the total is £39xx is lower than your quotes. Deduct the brick cost which is £18XX, the rest is £19XX...correct. Ombudsman reckoned the delay causing down to me because I had not contacted them for a while. I am going to response to Ombudsman, and request them to have review the document because the investigator have preconceived opinions which caused the ombudsman believe I actively ask for cash settlement, and I had not pay the excess, and delay the case myself. Just before ombudsman write the final decision letter, the investigator still ask me had you paid the excess( your duty)? Can I use the following ground to challenge ombudsman decision? (1)reasonable time to fix? (2)reasonable skill to fix? (3) make up premier brick cost under the business partnership? which is 1.4 times higher than the retails price you can walk-in to pay, and using this cost figure to reduce the amount you can have to fix it yourself. (4)reasonable business behaviour in Halifax to make the different offers for the same wall repairing, in my case, firstly offer me £65, then £523 and now £19xx + brick/block you fix it yourself. (5)reasonable behaviour to force customer to accept the offer otherwise close my case without notification. (6)reasonable to close my case even I had insisted to leave it open everytime they asked? (7)reasonable to sub contract the work to another contractor and this contractor to subcontract again to another one-man band without my consent/ notification? Pxx is not staff of Beta-coveXX, and the man demolished the wall is got the contract from Pxx. What I want it is only Halifax assign the repairing work to another builder to fix it. Much appreciated if you can give me the advice or your point of view. thank you!
  2. Here goes, hope I've started off this thread correctly! I thought about testing if the CCA I had with the Halifax was enforceable last June. Joined the site, read loads of info and even went as far as buying the £1 postal orders. I just didn't feel right trying to wriggle out of a debt at the time. However, after a hammering from the Halifax on my current account overdraft since January and their CC interest like something Dick Turpin would have been proud of, I've decided enough is enough and it's time to fight back. I'm diving in at the deep end and requesting CCAs for 4 cards. Two from the Halifax and two from MBNA / Bank Of America which I'll start another thread for. I've copied the CCA template from the documents library and changed the texts to read s.78. Off to the post office at lunch time. Wish me luck. I guess I picked the wrong week to quit smoking
  3. Could somebody help with this My daughter wants to buy her council house and has lived in it for about 9 years so does qualify for the right to buy discount but she was told she could not have the new help to buy ISA as well as that would mean two discounts is this correct as I was under the impression that you could have a help to buy ISA as well as the council right to buy discount thanks for any help
  4. My son had a student account with Halifax when he first went to university. Sadly, due to mental health problems, now diagnosed as bipolar disorder, he dropped out of university. Halifax agreed to freeze the account. In recent months his health has deteriorated again, and he is now claiming Employment and Support Allowance and living back at home with us. Halifax have recently decided to charge him £16 per month for the overdraft, but as this month's payment has put him into 'Unplanned Overdraft' he has been charged another £5 per day on top of this, so the debt is now mounting . I've put some funds into the account to try and alleviate the situation, but wondering what we can do next. He's not in any fit state today to speak to anyone at the bank.
  5. Received a computer generated letter from Halifax stating that as my monthly S/O to pay my rent had been returned they were going to add to their extortionate profit pocket and charge me £10 for doing sweet nothing. So I looked at the online banking, to see that my S/O had been set up to pay four weekly? Strange as I had set it up to pay on the 25th of every month, I had never seen this 'four week' option in the drop down menu before. So I changed it to pay on the 25th of the month thereafter, thinking it may well have been a genuine mistake on my part? (fat fingers!) Then looked at the letter, which claims it tried to pay on the 19th of the month, so checked my on-line statement, which showed it had in fact been paid on the 25th, and a little further down it showed the 19th failed payment. A bit peeved, but in the grand scheme of things a tenner is nothing compared to ten years ago when I owed considerably more than that! Checked my on-line statement again the day after, and lo and behold, the standing order date had changed AGAIN! to the 26th of the month, and there was no record of the failed payment on the 19th?? Done the obvious and changed the PW, but it can only be an issue with the bank, as they're surely the only ones with the facility to change the bank statement?
  6. Hi Everyone. I am a relatively new customer with Halifax and noticed some transactions on my account that i didn't recognize from WHO internet (William Hill) these transactions totaled to 457 pounds there was also a credit on my account from WHO internet for 400 pounds around the same day these transactions took place. I contacted the disputes team and they refunded the 457 pounds straight away, however at the same time they also deducted 400 from my account in order to reverse the initial 400 credit. So i ended up getting a total credit of 57 pounds. Fast forward a few weeks and after investigating Halifax cannot prove these transactions are not genuine and as a result will be re-debiting my account for 457 pounds, I contacted Halifax and they have said that I will need to take the matter further with William Hill, however I believe whilst also re-debiting my account for 457 they should also credit my account for the 400 they took as surely that's my money? I have been on the phone to these people all week who have confirmed that when they re-debit my account for 457 pounds they will also credit it for 400 putting me in the same position as before I disputed the transactions (minus 57 pounds) however this morning I get a text asking me to check my account and I am now overdrawn due to them deducting 457 and not crediting the 400 as promised. Om contacting Halifax they have said that in no circumstances can they refund the 400 as that credit should not of been in my account in the first place, which i understand as I don't recognise the transactions however due to raising a dispute I have now ended up with 400 less money than what i started with which I cannot afford, surely the 400 originally credited by WHO internet was my money to begin with as 457 came out of my account and a day later 400 came back in. They have said that this is the procedure with online gambling and I will need to contact William Hill to get this matter resolved, however I don't think this is fair that I am going to loose 400 pounds this month due to a matter that isn't my fault and I can't really wait another few weeks to get my money back due to direct debits coming out of my account from tomorrow. Can anybody help with this please:-( thanks
  7. I have had a Halifax Credit Card for a couple of years now and always made necessary repayments with no problems. I make slightly more than the minimum payment with direct bank transfer. However in May I overlooked that the minimum payment had gone up by £9.00 due to a purchase I had made. So my payment was short by a few quid for that month but I didn't realize this until I got a letter in the post yesterday informing me I had failed in my contractual obligations and they have therefore levied a £12.- late payment fee and removed the promotional interest rate which cannot be re-instated even if I pay them the missing few quid. Now I have a higher interest rate on the card. Is such a measurement not punitive ? As it cannot reflect any administration costs or the cost for the letter they had to send me, that should be covered by the £12.- ?
  8. Hello everyone, I could really do with some advice and help on this matter. My current girlfriend has been having a nightmare of a time with her Ex-Boyfriend. To cut a long story short they were together for 7 years, had a joint mortgage and a joint current account with Halifax. Turns out the ex was a gambling addict, he stole money from her, opened credit cards using her information and financially abused her. Eventually she left him. She moved back in with her parents 17 months ago, rang Halifax (her mortgage lender) and told them her new address which they updated on their systems. Halifax refused to take her name off the joint account, even though she was clearly not using it (she has never used it). Meanwhile her ex has been using it as his current account as he is not able to get any more lines of credit due to him defaulting on the mortgage payments. My girlfriend never got statements from them for the mortgage and assumed he was still paying the mortgage (he was still living at their jointly owned property). However, he hadnt been paying and it is now 14k in arrears. When she found this out she rang halifax to discuss her options and they said "Tough tits, you have to pay the arrears". My GF couldnt afford this, as the mortgage payments were £800.00 a month contractually, she couldnt afford this never mind extra to clear the arrears. But they werent interested, they didnt ask her for an I and E form, they didnt give her any support or help or offer any solutions. This is my first problem., the complete lack of empathy and support from the bank The second problem we have only just found out about (my gf went back to her house they are trying to sell to clean it and found the letters from halifax) is that her ex has been requesting indemnity claims on all the direct debits that have ever been paid from the account, getting the refunds and then transferring the money into his own nationwide account. I am fuming, Halifax have never sent my gf a statement to her parents house even though they have her address and she has requested them on numerous occaisions! She had no idea this was going on. Halifax even told her there was no way she could ever get her name taken off the account unless her ex went into the bank and signed for it which was never going to happen. She has been into a branch today and made a complaint, she was told she would have to pay off the £1700 overdraft if she wanted to be taken off the account. Her parents have kindly paid it for her and they have closed down the current account. I work for a bank myself and I am absolutely fuming with Halifax, they have allowed her ex to commit fraud by falsely claiming these direct debits back, surely somebody at that bank has failed to spot these suspicious transactions?! He has claimed thousands of pounds worth of direct debits back from Sky, Abbey, Black horse, General and Legal etc etc etc. The black horse one is the worst, as this wasnt even paid from the Halifax account it was paid from my gfs own nationwide current account in full and he has somehow claimed this back into the halifax account. It was for a sofa in my gf's name! It had nothing to do with him. He must have pretended to be her to be able to do this. I am furious. :-x:-x:-x What if anything can we do about this? He has gained a financial advantage by dishonestly claiming the direct debits were not authorized, surely Halifax should be taking this matter very seriously as their systems and personnel have failed to spot this and stop it. I know that all bank employees have a legal responsibility to report suspicious transactions and failing to do so can lead to fines and sanctions by the regulator. What if he was using these funds to commit criminal activity? or fund terrorist activities? I also find it strange that after she has been into the bank and complained they have suddenly changed their tune and agreed to close the account, is this an admittance of wrongdoing on their part? I really need some support and guidance as I cannot believe my girlfriend should have to pay financially for all of his wrongdoing and deceit. The money from black horse was £1700 and that was my girlfriends money, obviously they are going to want that back. He has literally stolen it from her! sorry for the long post but i am at a loss with what our options are, after 10 years working in the banking industry i have never seen anything like this. Edit: Oh FYI, her ex is a mortgage advisor for another high profile retail bank, and has lots of experience working for a retail bank, he knows how their systems work, he knows what indemnity claims are and how they work, he knew exactly what he was doing. The little ******. Thank you all so much.
  9. Hi, Hopefully you can give advise on my next step regards my complaint. I am trying to be fair with my bank and only asking for my original payment of £120 to be reimbursed, I am not asking for payment for the time and effort I have put in to writing these letters and sending these recorded delivery, the 8% interest, and the added stress this has caused me as a pensioner and full time carer for my son who has severe mental health issues and trying to make sure he isn't sectioned again by making sure he is taking his medication. I really could do without all this on top. I feel if I don't get a satisfactory response this time I feel I will make a claim for the stress caused etc, the whole process has been shambolic from start to finish. Here is the time frame at the moment from start to finish and where I am currently at with my complaint :- 26/11/2014 - Item bought for £120 as a Christmas present for my grandson 5/01/2015 Item broken after just over a week, Emailed seller with no joy, so sent item off for repair, told it was unrepairable by a reputable company. 20/02/2015 (86 days after purchase) - sent letter recorded delivery to my bank asking to inititate a chargeback. 28/02/2015 (94 days after purchase) - Received letter from Fife office saying they needed proof that I had returned item, or at least tried all avenues to try and return item. 09/03/2015 (103 days after purchase) - After giving seller time to supply said information to return item and receiving no reply, I sent another letter recorded delivery with all information of trying to return item, I also sent photographic evidence of the damage to the item I got from the reputable company I sent the item to be repaired at. This letter was signed for at the Halifax office in Fife on the 10/03/2015. I received a text asking to ring the Fife office on the 16/03/2015 (110 days after purchase) I rang and they were unsure of why I was ringing, I explained the situation and the reference number of my complaint, They checked the system and were adamant that the letter I sent recorded delivery had never arrived I gave the tracking number and name of the person who signed for it. at the Fife office. They said it wasn't on the system so couldn't have been received, Not wanting to argue I said can I email all the information which I did on the 16/03/2015 (110 days after purchase) 07/04/2015 (132 days after purchase) I received a letter from head of debit card disputes saying I was now out of the time limits that Visa International set for disputing a debit card payment so therefore they would not be able to claim a chargeback for me and that is the end of the matter as far as they are concerned. I have sent a letter today giving them 14 days to rectify the situation, I keep all receipts and copies of information I send including tracking numbers which I have sent to her, which shows I was well inside the 120 day Visa International limit. I am unsure of my next step? Do I go to customer services, or go to the financial ombudsman? I am pretty certain Halifax debit card disputes will refuse to reimburse me as they can't now initiate a chargeback as it is over 120 days which Visa set, I just don't feel it is fair me being punished for shoddy administration practices which has happened in this case. They had the information well within the 120 day limit. Thanks, Rosemary
  10. new to the site hope I'm not going to bore you. received my ISA maturing letter, it talks of 5 options the last one "simply withdrwaw your cash close the account". When you look for the option in the list to tick and put details of the account where you want the cash to go to, it does not exist, only now got 3 options non to close account. So it says if options dont suit your needs phone this number, I phone select the closing account option, I'm asked have I considered other options etc. I ask to close the account, after many security details including Nat No, I'm asked for my phone banking pin, I don't use phone banking I will be registered and halifax will send me one, I dont bother because on the letter is a web site for maturing ISA's to give your maturing details, I go to the web site and guess what the option to close the account is not on there, I complain and I'm given £40 and £5 for my distress and phone call, I'm told I will need to go into the branch with passport or driving licence and they will take my instructions, I don't have a local branch in my town. I'm then told I will have to wait till it matures and then go on-line and do a transfer myself, so the letter that says I need to give you 5 days notice does not allow you to close the account and the web does not,... in my opinion the letter is purely based around investing back with Halifax if I was old and not thinking correctly I could be fooled into thinking the only options are to reinvest with Halifax, come on Halifax not good enough, very, very,very P***** O**
  11. Hi All, Well just helping a close family member, 2 years ago my Dad was declared bankrupt and the Halifax joint account was over drawn by £1k. Therefore my mum who is 75 had been paying £5.00 month and the debt has never reduced and is now £1,500.15. Due to illness my dad has had to finish work following some under lining heath problems and now started his treatment. So they have no income apart from state pension, they have had to claim benefits to pay rent etc, but can not pay the debt. We have written to ask for the debt to written off as a 75 lady no job no income and partner with no job also 70 can repay. Yep they refused and state she has to repay in full. What can we do to help, the statement Idem sent shows fees charges etc, or should we wait for the court action by not paying, they have no assets or funds Can anyone help at all
  12. This is a new thread following on from the sticky about the above subject about challenging the Halifax about the overdraft charges. As Hfx customers will know these charges have been taken for over 12 months now, I am wondering if it would still be possible to go back to the old structure and close the account, or is it too late? My points are: 1) I have another current account that I can have salary paid into etc... 2) I am currently being charged £2 a day by Hfx for being overdrawn which becomes on average £60 per month. 3) If I did manage to go back to the old interest on O/D method and have the account closed I would still have to make a monthly payment plus the interest, would this be the same as the £60 charge but taken in a different way? 4) Has anyone successfully closed their account after the new regime came in and got some of the £2 a day charges back because they did not agree to them? Any help, thoughts or comments on this would be greatly appreciated. Thanks
  13. Hi First Of all going back to July 2008 I had a Halifax current account which has a overdraft limit of £2500. I was overdrawn for just a little amount and i was given charges of £35 and £28 for going overdrawn due to a payment of £5 e.g. i bought lunch at world for £5 and same day i bought McDonald £4.43 i would get charged £35x2 and the one of £28. This continued for a whole month until i got back to my main residential house ( mums house) and opened my post to see all the charges being applied. I was silly and immature to not take these charges seriously, i simply spoke to them over the phone and told them i wont be paying a penny until they remove them as no one told me in the bank when i took out a overdraft of £2500 that each time i use it i would get charged so much! This debate carried on, i kept receiving letters and threatening debt collecting letters however i ignored the problem. Now a year ago a debt colleting agency on behalf of Halifax contacted me for the collection of £2890.54 which i nearly had a heart attack listening to, i explained that the only reason i went into a dispute was as they put unfair charges totalling well over £800!! now that's continued to grow over the past several years with all the extra charges etc. i don't have a record of much but i did say to the agency that if they can get Halifax to send me a statement which shows ive actually used this money for my own good. more then 75% of the money is all unfair charges and fees they've added. But ive never had anyone send me a statement of charges till date I know ive made a huge mistake by leaving this lying but no wits become very difficult for me to get any credit due to this default. And now they've got debt collecting agencies pursuing this again and its just way to much mental stress. i don't even have a job yet! i was 19 at the time of the default and really regret this foolish immature attitude i had then. Is there anything i can do to waive all the charges? or at least most of them? Thank You for your advice in advance
  14. 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
  15. I have a Rewards account & I am currently struggling with debt, mortgage arrears, repossession & failing IVA due to sickness. My house insurance, mortgage protection, mortgage & current account are all with HALIFAX. My bank are aware of my financial situation & I spoke to the money management team who have placed my account as "CONTROLED" to help with future charges for 6 months. I have cancelled all dd expect the priority ones. I am constantly in my £250 overdraft as have had NO INCOME for the last 4 months due to MY EMPLOYERS SSP finished in Nov13 & am currently seeking help with benefits. So as you can imagine I have had alot of returned DD's & am getting charged for these .... the money management team have refunded £35 on charges that had just gone out but wont refund anything else as they weren't aware of my financial difficulty, is this true that I cant get anymore help off them?? I am going to write a complaint to the bank listing my issues * hope they see sense & help me. or is there another way to go about this?
  16. Hi all, I just wondered if you could help me, I recently made an error with paying my mortgage. It was due for payment on the 28th January, but for unforeseen circumstances there was insufficient funds in my bank account and the payment was not made. I was paid on the 31st January, Halifax reapplied for the payment on the 11th February which was accepted. I went onto my credit report this morning and a late payment marker has been added, I'm horrified. I know this was my mistake, but feel I'm going to be penalised for next 6 years, I feel sick. Is there anything I can do? I have now changed the date my mortgage payment comes out to ensure this doesn't happen again, this is the first time a payment has missed on my account. Thank you
  17. 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!
  18. 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??
  19. I banked with Hailfax many years ago and have an overdraft that I'm only ever paying charges on @ £1 per day but apart from that the account is never touched and these charges do not in anyway reduce the balance on the account I have spoken with them over the telephone with zero success about having the account closed so instead of paying fees every month, the £30 goes towards clearing the balance Is this possible and if so how?
  20. 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.
  21. 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.
  22. Hi Lost job a while ago, (ill health) and fell behind on loan, bank has sent me a default notice yesterday and part of the notice reads, "You are in breach of that clause as arrears of monthly instalments, costs, expenses and interest amounting to £xxxxx are now due and outstanding. Can they add expenses interest and costs to arrears total. Also they say Outstanding Balance under agreement £xxx Less rebate allowable on future instalments* xxx Total Amount to be paid xxx *We have not taken into account any payment received in the last 10 days. Total Amount to be paid does not equal the oustanding balance - rebate I have been trying to understand http://www.consumeractiongroup.co.uk/forum/showthread.php?297476-Woodchester-v-Swain as I'm not sure whether my case is relevent. So my two points are: 1) Can they add charges to default arrears, no breakdown on what makes up arrears 2)As Total amount payable is not equal to oustanding balance - rebate, does -Woodchester-v-Swain apply.
  23. We were not informed of the transfer of childrens accounts when Halifax was no longer with Bank of Scotland and the loss of interest which shocked me as I opened the account starting at 10% going down to 6% but when it was transferred without my knowledge it was 1% you can imagine how shocked I was as I was not given the opportunity to move this money elsewhere and I think it should be looked into as to why this happened.
  24. I have read this and other posts on BCOB with interest, as I would like nothing better than to reclaim charges from and sort out reducing my Halifax overdraft. I have read conflicting information about BCOB mostly about if it even covers overdrafts at all, some say these fall under the OFT. I may look at claiming back charges under hardship rules. I would be interested to know if anyone has actually been to court through BCOB and if they have, what the outcome was.
  25. I have a basic account with you, and a basic joint account. On Tuesday we get paid in to my single account but a direct debit is due out of the joint account, if I transfer money over around 2am (work nights) will it clear the direct debit in joint account. I was told I had till 3.30 to get money in, but last time it was returned and I incurred charges even though money was placed in account by midday.
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