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    • Hey,   Just wanted to share a quick experience for a lost Hermes parcel worth a couple of hundred pounds. I accepted Hermes' offer to use mediation and was pleasantly surprised! I read all the threads on here and thanks to the Bankfodder's great advice I came in confident and with notes and was not prepared to reduce the claimed amount even by 10p.    Firstly Hermes stated that my item was not one that is normally covered and due to its fragile nature it is not compensated and secondly they gave the ordinary "you have not opted for insurance bla bla". These were their points and even before I started stating my arguments they were already out with an offer to cover the item value in full and the postage costs for it but NOT the small claim fee of 25 pounds. To me this sounded as a reasonable compromise since I got other things to do during the day. This 25 pounds compromise was about 5 percent  of the overall claim value so that was fine by me.    I went to mediation extremely sceptical having read some of the other ppl's experiences, but I'm glad to say mine took only 2 quick calls, everything was settled in no more than 20 minutes, the mediator was superb, extremely friendly, polite and with a sense of humour  and they just asked me to send my bank details in response to their upcoming email and that was that.    p.s -> I could feel the mediator was actually on my side a lil bit, but what reasonable person would side with such a shameful and honestly disgusting company anyway   All in all, I would highly recommend the experience for anyone who's still on fence regarding mediation. Open small claims against them Hermes mfs, make them pay, they are so aware of their unlawful approaches ! On my part, I will never ever use Hermes services ever. However, in fairness, this whole saga's been going on for two and a half months and I've lost so much time and effort and nerves on the matter that it was worth at least 10 times that settlement. I've been through 41 calls with them regarding the item and went to their depot twice to look for my item...   Have a great week guys/gals   Best
    • i see you have all the statements in the earlier post    pop welcome int rate in cell d15 of out CI sheet Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011 - Payment Protection Insurance (PPI) - Consumer Action Group   enter every penalty charges. on it date    
    • dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements   Hi peterbard this is a secured loan , i dont believe there is any policy in place   dx should I have sent an SAR to Welcome and Coast even though Coast had taken over the loan?  I have a pile of paperwork i have located thats about 2 reems of paper, from the SAR's I have sent previously.  There is a lot of information - the SAR requests more recently were sent on CDROM and were not accessible after a certain amount of time (i think the username and passcode expire or something)
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Halifax wont shut down credit card account

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Has any other forum member had a similar problem ?


I cleared the balance on my Halifax credit card account and instructed their customer services to close the account. Which they confirmed as closed.


A month later I received a statement, and a transaction had gone through on that account.


I queried why this could be allowed to happen, as my account was closed.

Halifax honoured the payment because it was a regular payment that I had set up and it was my responsibility to stop the transactions with the third party. I was told this is in their terms & conditions.


I was not told this at the time of closing my account down.


I have disputed this transaction. As far as I am concerned the account is closed. The amount in question is only £20. But I firmly believe that I should not be liable for this.


I am sure we all know how difficult it is to close down a credit card account, and I believe that Halifax, like other card companies, deliberately allow a transaction to go through in order to make it more difficult to zero your balance and close the account. Thus giving you the temptation to continue spending with that card.


Halifax are standing firm and are saying that I am liable to pay the outstanding balance. I have written to the financial ombudsman service to ask them to review this situation.




Your views, advice and experiences would be gratefully appreciated.

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Not what you will want to hear but the Halifax is correct. It is up to you to stop the recurring payment with the company taking the 20 GBP. If you haven't sent a letter to that firm do so now. You can then use this letter to prove the item is in dispute (as you have cancelled the recurring agreement).


At the moment I can't see the item being refunded, the company claiming will say you haven't cancelled the agreement.


That said if you can prove you have stopped using the service or not received goods due from the recurring charge company then Halifax may refund to close the account.

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yeah its frustrating. Because the transaction in question was for a corporate phone bill, which I had no access to their details as it was all handled at work. Therefore I had no means of contacting them to stop the payments.


Obviously I wrongly assumed that if an account was closed, that no further transactions would take place. I think its fair to assume that if you close your bank account, that account should no longer exist, and anyone who tries to take money from that account should not be able to.


I did manage to stop the third party from taking money from my credit card. They now take this money from my current account instead.


As I said, its only for £20, but I still maintain that Halifax are a shower of bastards. Perhaps I shall swallow it and just pay them the outstanding amount.


It cant hurt to see what the ombudsmen say. I shall wait until I receive a response from them.

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This is the same as closing a bank account but knowing there is a cheque out there which is guaranteed. I think the cheque remains guaranteed until the card used to guarantee it has expired (which could be years). If that cheque was presented after closure the bank would pay it and chase for the money (if they could).


But I do agree that the Haliban are a deluge of illegitimate beings.

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heh heh.


I honestly thought that the third party would attempt to take money from my credit card account and that it would be refused. Then they would write to me and I'd be able to resolve it directly with them.


I've got no issue in paying the money to vodaphone (the third party), as I said its only about £20.


I think what ****es me off the most is that whenever I've attempted to close any credit card account its never straightforward. Its as if they go out of their way to make it as difficult as possible, so they can keep you in their grasp and suck interest off you like a big leech for the rest of your life !


cheers for your advice. I think its safe to assume that I should really pay Halifax the 20 quid and forget about it !

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This is a bit weird as my sister had some financial troubles and her credit file was and is shot to pieces.


However, I cleared her balance for her and she rang them to close the account.


They said ok but instead just lowered her credit limit to £4k from £7k and they send her statements with zero on all the time but the credit is there if she wants it. But as I said her file is absolutely awful now and no-one would give her any credit but they do.


Why is that in these credit crunch days?

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I have had a lot of credit cards in my time, and the majority of them I have always had problems closing them down. They deliberately make it hard for you because they want your business. They want you to keep the card, even with a zero balance, just incase you need it. They know that you'll eventually be tempted to start running up more credit again.

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