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Halifax, bank charges and overdraft


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Hi,

 

First of all, this website and forum are very interesting and I've learned a lot about banks in general. Thanks for all the useful information!

 

I have had, like a lot of you, problems of unlawfull bank charges taken from bank account by Halifax.

 

I have sent all the letters, but as I didn't get a positive answer, I've sent a claim form to the Financial Ombusdman, who has been very helpful too, I have to say.

 

Finally, through the FO, Halifax agreed to refund an amount of £950 !

This was beginning of June.

But I am still waiting for this refund.

 

In the meantime, I have had another problem with them:

I have an authorized overdraft limit of £900 on one of the two bank accounts I have with them. But then, due to various problems, my account went dramatically to an unauthorized overdraft of £2.200 ! As my wages were paid on the other bank account, I discovered one day that they have blocked also this account and would allow me to access it the day I have reimbursed the £2.200.

 

I understand, but they never sent me a letter explaining this and suddenly, I had to spend a month without paying my rent, my credit cards, and not even have the money to pay my travel card ! No friends, no family, I got the impression to drawn.

 

You have understood, of course, that the situation is going worth and worth because now I have rent arrears, and they continue to take £30 et £28 + interests every month, which lead me to an overdraft of £2.770 ! Next month, the interests will be £58 and I guess they are going to continue to take the £28 and £30 for unauthorized overdraft.

 

How can I stop this ?

 

I have sent them a letter, explaining that they agree to refund me £950, which will help me in paying back the debt. I have also said that I can pay £100/month, giving them the detail of my wages/expenditures, so that they can see I can't give more than that. They still have also £385 on the other account, that they can take to decrease the amount of the debt.

 

Their only answer was a very tough letter, saying that I'd better take a solicitor as, if I haven't repaid the amount by the 28 September, they take me to court. I can't face solicitor's fees (I am not entitled to legal financial help).

 

How can I stop them to take charges every month and how can I show them my good willingness ?

 

I am sorry for my English ! French is my mother tongue but I live and work here now since 2004.

I hope my explanations have been clear enough and I look forward to reading from you.

 

Thanks,

 

:Cry:

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Hi Muriel

 

Welcome.

Sorry to hear about your problems with bank.

I think it is disgusting the way the bank has allowed you to go so much over your authorised overdraft in the first place.

Did they send you any letters warning you how much your overdraft was going up. Im sure that SSL or KTC will be able to give you some good advice as to what you can do or get in touch with a moderator for you.

Hope you get this sorted out as soon as possible.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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BUMPING this - URGENTLY!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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see my thread.

default notice issued.

Lloyds TSB £816.67 ***WON***

:D

Abbey Bank £705.00 ***WON***

:D

Mbna Europe £365.00 ***WON***

:D

Halifax a/c 1 £335... ***WON***

:D

EVERYTHING IS POSSIBLE, YOU JUST HAVE TO KNOW HOW TO DO IT!!!

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Bump

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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hi muriel you should send of your s.a.r. to get your statements so you can start putting a claim in for the charges on your account and also send of a letter of account in dispute

Data Protection Act, Subject Access Request letter - List of charges

 

Account_in_Dispute

 

if i am wrong then someone will come along and correct me

 

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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HI Tilly

 

Dont think Ive known you to be wrong yet.

 

Always give sound advice.

 

Do what Tilly says Muriel and Im sure you cant go wrong.

 

Good Luck.

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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