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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
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Hello - Halifax Charges!


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Hi All,

Halifax are again charging me stupid amounts for going over my limit and not realising.

7 or 8 charges of £28 in two weeks, on top of all the other charges they have made against me since I've been with them.

 

£28 charge for spending 0.55p! wtf!

 

Will they force me to pay everything back and close my account if try and get the charges reimbursed?

 

Also, will my credit card which is also Halifax, be cancelled?

 

Advice appreciated!

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Will they force me to pay everything back and close my account if try and get the charges reimbursed?

 

Also, will my credit card which is also Halifax, be cancelled?

 

 

They could close your account, if your worried then it would be a good idea to open a parachute a/c wtih another bank. Reclaiming 6 years of charges may amount to more than your overdraft

 

It's unlikely they'd cancel your CC, unless you claim off that too!

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Hello Everyone

Being thoroughly appalled by what I regard as obscene profits regularly published by banks, (HSBC comes particularly to mind!), I am now set on helping my future son-in-law recover £1110.00 in Overlimit / Late Fee charges levied by the Halifax Card Services over the last six years. Having sent a £10 cheque requesting details of charges, citing one's rights re the Data Protection Act, the Halifax have obliged by sending print-outs of all the statements bar two as from Sept. 2000.

Using the Interest calculator courtesy of The Consumer Action Group, this adds a further £140.03 to the gross claim making £1250.03.

 

One interesting but salutary point is that we discovered that between 09/2000 and 05/2004, a total of nearly £330.00 was paid out for Repayments Protection Insurance! What an utterley waste-of-time investment this proved to be.

 

However, I would like some advice please as to whether anyone has itemised the type of charges which one might legally challenge and those which are justified eg 'Basic Interest'. For instance, can 'Cash advance' charges be included?

 

Wishing you all the best

 

PeterG

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Hi there, I would also like the above question answered? Can cash advance charges be claimed?

 

Thanks!

 

Kevin

 

Nope :) You will find the answers to these questions in the FAQ's

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 2 months later...

The peliminary letter was sent off, I recieved a reply within three days, with a standard letter stating that

 

"I am sorry to learn that you are unhappy with the charges applied to your account, we're keen to deal with your concerns as quickly as possible. A customer relations manager will inverstigate the points you have raised and you will receive a reply shortyl, but no later than 4 weeks"

 

So if Im following the step-by-step instructions correctly, I now allow them 14 days from the date they received my letter, to comply with my request, if they fail I then send them the LBA.

 

In the meantime, they've added another £68 in charges to my account!!

 

Thanks for all the help so far :D

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My ex wife has been charged £88.07 by Halifax after she went overdrawn by £5.09 for just one day. Their initial charge was £30 however this directly resulted in further charges that reached a total of £88.07 all within a month!!!

 

Without their charges she would have been in credit so I have suitably amended the excellent template letter and excel spreadsheet to send to Halifax.

 

I believe what Halifax has done is nothing short of extortion.

 

Halifax are not the only culprits as my son has a business account with Lloyds TSB for his shop. He was charged £4,800 for occasionally exceeding an overdraft limit of £6,000. He has cleared the overdraft and will now be seeking a substantial refund of their charges.

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