My Halifax "One" credit card charges

[loz]

My first post in the Halifax forum... I'm about to send my LBA regarding £144 in charges, having (at the second or third attempt!) got their standard response. I should have pushed them sooner but I've had higher priorities unfortunately

 

Last May they decided to reduce my credit limit by £100, and of course they didn't notify me in advance because their T&Cs don't say they have to. Never mind outdated ideas like courtesy... "Coincidentally" I went over limit pretty soon after (due to an emergency cash withdrawal which Halifax allowed), for which I was charged. Etcetera etcetera.

 

I moved in October, within the same block of flats but a move all the same, and of course I notified Halifax. I didn't really notice that I hadn't received a statement until December, so I told them again. Then the postman actually did what I'd asked him and I got a letter about arrears, still addressed to the old flat. I told them yet again that I'd moved, and at the third time of asking they got the message. I reckon by not processing my change of address they have broken their own T&Cs:

2.2 We will send you a monthly statement ...

What they have done is send my statements to an empty property (!)

 

I attempted a month or two back, despite my A+L-induced problems, to make a substantial enough payment to get the balance within limit. Surprise surprise, a subtle change in the date they apparently apply their "overlimit" charge meant that I did not succeed...

 

Grrrr.

[sea-sidelady]

Halifax are a fun bunch. Their customer service is wonderful...NOT!!

[kennythecelt]

Good luck with this Loz,

pleased to have you in the Halifax forum although not so pleased that you are out of pocket!

As SSL says, "Their customer service is wonderful...NOT!!"

Regards, Kenny

[loz]

Thanks guys, I'm hoping for a relatively swift resolution to this - though obviously not holding my breath!

[loz]

I have a reply from Halifax, success! They have offered me £180 which is my £144 claim plus the 2 charges they stuck on last month plus another £12 that I may have missed somewhere

 

They have even apologised for twice failing to action my change of address.

 

Loz

[maroondevo52]

Sound result, Loz. Congratulations

 

 

Regards.

 

Scott.

[sea-sidelady]

Thats brilliant. Well done

 

[kennythecelt]

Great result Loz- well done!!

[**Tilly**]

Way to go Loz

 

 

Congratulations