Halifax

[Naffwest]

Hi,

 

I have a second account with Halifax which is about £200 overdrawn because Halifax refuse to stop charging me and have now defaulted me and passed the debt onto a DCA.

 

Even after its gone this far, should I send the bank charges template letter (the one that demands the money back) or, should I just see if they'll actually take this to court?

 

If it does goto court - I presume due to the other high court cases there is now a precedent set?

[dx100uk]

send the charges letter, this will put the A/C into dispute & should halt the process with the DCA.

write to the dca too informing them the A/C is in dispute, they should pass it back to halifax

 

dx

[Naffwest]

Cheers dx, when they send the "financial statement profile" that they now send to weed out the people who aren't in financial difficulty, do I fill that in? or ignore that and send the 2nd template letter?

[dx100uk]

just put the a/c into dispute

who is sending the profile & what 2nd letter are you prop?

 

dx

[Naffwest]

Sent 2nd letter and received a "financial profile questionaire", basically trying to identify if I'm in financial difficulties, filled it in and sent it back... Hopefully they'll stop charging me soon!

[dx100uk]

i doubt it

they actually have no right to your fin details.

i would not of sent it.

 

anyhow, so you have sent in your charges reclaim?

can you plead fin hardship? if so you might get them back

 

this is ofcourse a bank a/c isn't it?

 

dx

[Naffwest]

anyhow, so you have sent in your charges reclaim? - Yep

can you plead fin hardship? if so you might get them back - Yep

this is ofcourse a bank a/c isn't it? - YepFrom what I read if they charge you and you have started a lower paid job (just started contracting and didn't really make much the first 2 months) you qualify as being in financial hardship...

 

I suspect that they'll cough up - after a push

[dx100uk]

good work

 

wish you luck

 

dx

[Naffwest]

Received 2 letters today from halifax, one per account:

 

Account 1's charges total about £350, they offered me £175 in settlement

Account 2's charges total about £1350, they offered me £196 in settlement

 

Now to figure out what I send them next...

[Naffwest]

PS, I wont be accepting the insultingly low amount they've offered

[maroondevo52]

Hi, Naffwest.

 

You could send them one of these..........

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/139-rejecting-offers-.html

 

Regards.

 

Scott.

[yourbank]

PS, I wont be accepting the insultingly low amount they've offered

They are both NOT full and final settlements but if you are in arrears on priority debts(rent/mortgage, council tax, utilities) then you can negotiate a higher amount based on that.

[Naffwest]

Thanks Scott and yourbank, the letter doesn't say "full and final" on it, I'll scan it in tomorrow for you to have a quick look at...