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DejaVu Vs Halifax.


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I've only had this account open since Feb 2008 after getting rid of Natwest.

 

Halifax to me seemed a little better until recently.

 

I didnt have any DD's setup until my Car Insurance was up for renewal. I've now got a running credit applied for with a company called Premium Credit who have explained to me today that the DD was setup from the preliminary contact for the cover to commence (24th of each month where I ALWAYS get paid on the 25th and have told them this since it began). They didnt give me any option to chose a date and I've only just reaslised they have charged me 3 times @ £20 and the bank has also charged me £35 each time.

 

I feel conspired against as I've just spent the past 2 hours on the phone to both companies with each other blaming one another. Halifax outright refusing a 'good-will' gesture and Premium blatantly blaming my insurance company for not passing the information over.

 

None of this is my fault and they dont seem to want to help me. I've read the banks have fallen in courts, yet they still dont seem to want to listen. The woman said to me on the phone 'When the results of the Court case is finalised, you should call us back and we might be able to help you more'. Is this a fob off because I was under the understanding they've lost already and are trying to appeal. Surely, if they lost, they lost. The appeal is to try and get a second opinion?

 

I got so annoyed I told both call centre operatives they are useless and hung up and I'll be writing my concerns instead as my phone bill is now also on the increase!

 

Where should I go with this?

 

In total, the charges are £165 from the 3 seperate occasions. The total of the DD's (which also got paid a couple of days later) should only have been £96! It's completely ridiculous especially with the bank trying to force a new CREDIT card at me at the same time!!!??

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hAVE YOU CHANGED THE DD DUE DATE TO STOP FURTHER CHARGES PILING UP IF NOT SUGGEST THAT YOU PUT ALL COMMUNICATION IN WRITING.

 

CONCERNING THE BANKS CHARGES THEY THE BANKS HAVE APPLIED TO APPEAL AGAINST THE LORDS JUDGEMENT AND THIS HAS BEEN ACCEPTED THEREFORE IT IS STILL NOT RESOLVED AFTER SOME 18MONTHS.

 

SOMETIMES A FIRM LETTER AND DIRECT REQUEST TO PAY BACK EXORBITANT CHARGES BRINGS A RESULT WHY NOT TRY THIS APPROACH.

 

GOOD LUCK

 

DJC

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