Halifax a/c closed due to reclaiming charges?

[CheekyMonkey78]

Hiya

 

I am addicted to this site - I find it so interesting being able to see how other people are doing with their claims. I was just wondering if anyone has actually had their bank account closed by the halifax following fees being reclaimed?

[ladydawn]

Yes they closed my cheque account after a few weeks. They offered half the amount, I claimed I cannot remember whether I took it (I am ill) don't think I did as it was less than £200 and was hoping the case would win and I would get the full amount.

 

Anyway I am long term disabled and not having a debit visa card is very hard for me I constantly have to use my boyfriend or mothers card or even my son's to buy anything over the phone or on the web.

 

I asked them to reopen the account but they told me to apply for a new one and they turned me down twice . I know I don't have the best credit rating but I have a savings account with them for my benefits to be paid into which they didn't close and as I had an ongoing account I cannot understand why I am being penalized for doing what millions of others did. :jaw:Also I had been with them for years.

As I am not 'goodly creditworthily' I cannot get an account anywhere else either. Can anyone please advise me whether or not I can legally get my account reinstated/

 

Thank you in advance.

Lady

 

PS. I had to laugh at one of the threads where someone said that being a democracy the banks shouldn't be bound to do business with people they don't want to and then recently all the bailouts. OK then, we shouldn't have to bail them out then . What was all that about anyway? As you can see I am no financial wizard but I do believe in fairness and banks are less than fair.

[johnvernon74]

Try a thinkbanking account. Thinkbanking . co . uk

You get a debit card guaranteed acceptance - downside 14.95 per month but NO CHARGES

[ladydawn]

Thanks for letting me know about that.

I am going to look at the account but if that is the price whether you use it or not that is absolutely mad, I couldn't afford to have one actually. I think anyone who can must be not on benefits lol which is part of the problem.

Cheers anyway

Ladydawn

[maroondevo52]

Hello and Welcome, Ladydawn.

 

Not sure if you noticed but this is a very old thread from july 2006.

 

My account with HBOS was closed after I reclaimed charges, I had it for about 25 years, that's how much they value your custom, they don't give a jot !!!

 

Good to see you on the Forum, hope you enjoy your time here.

 

Regards.

 

Scott.

[ladydawn]

Thanks ever so much for you nice welcomes.

Yeah they don't really value our custom at all, none of the big companies do sadly, and the old independent family companies are no more (hardly):.

The guaranteed approval bank I looked into seem to have an aweful lot of control over your financial affairs. The money management that is offered seems more like we take hold of your wages/benefits and you can't have any money if you don't leave our required amount in for your bills ., May seem sensible if you have capital but some of us don't and we have to rob Peter to pay Paul some weeks and still avoid bank charges in order to get food in the mouths of the family.

Banks seem to think everyone has enough for everything, they just don't live in my world otherwise I wouldn't have been desperate to claim back a paltry £360 charges in the first place :O.

It is sad but people in our financial situation really cannot afford to do business by bank, as charges or monthly fees accrue too easily. My grandmother/grandfather's generation of working class hated banks, I can see why.

Take care all

Ladydawn

[maroondevo52]

I know where your coming from, and now with the adds on the telly telling you they are now your best friend and good honest caring Banks, total hogwash.

You should be able to get a Basic account with most Banks, I got one with the co-op and my credit ratings trashed !!!

[ladydawn]

Good on the Co op. I live in a small town, only 4 banks, the Natwest won't have me, Halifax of course is a nono, will try a basic with Barclays and HBOS (hey you never know), well I can imagine they will turn me down for looking after my money, stupid idea, charging people for holding their money when you have designed a society where it is essential. I don't even want to borrow anything off them

Blehhh I do rant sorry.

lol thanks will try the Co op online if it exists

Ladydawn

[maroondevo52]

lol thanks will try the Co op online if it exists

 

Yes, all mine was done online, thats the co-op "good for everyone" !!! someones talking mince and it's no me !!!