Halifax Current Account Charges.. and I want em BACK!! :-)

[Deefer]

Hi Everyone, this is my first post to this forum but i've a feeling it wont be the last!! hehe

 

I've been a customer of Halifax Bank for seven years now and it's a current account. Over the past year or two i've lost count of how many charges i have incurred. These have each been for direct debit's being returned mainly and each time have been £39.

 

I need to know what my first move is, i dont really have the money for the small claims kit but am more than motivated in doing things myself.. with your kind support of course.. so the floodgates are open guys.. advise away. I'm able to check this forum all day n night so I will be as quick as humanly possible keeping things moving.

 

Thanks in advance.

[clayts]

Start here

[Deefer]

Ok, i'm going through those steps.

 

First hurdle, I already phoned my bank and i'm now waitin on them to call me back to let me know whether i'll be charged for receiving my charges list. I simply asked them for my information they told me i had nine charges.. easy enough.. but to provide written proof they "may" be a charge. I'm pretty sure of what the answers gonna be.. but its bought me a bit of time..

 

I'm at the stage of the letter about Data protection. that link takes me to a search screen, what am i searching for ???

 

Data Protection Commissioner as the address of the Data Controller:-

 

doesnt help me.. am i looking for the address of my banks something or other?

[clayts]

All you need do at this stage is send a formal Subject Access Request under the Data Protection Act, enlcosing payment of £10 payable to Halifax plc. Send your request by recorded delivery to :

 

Data Protection Office

HBOS PLC

Trinity Road

Halifax

HX1 2RG

[kydcarmen]

Have you sent your DPA letter to your bank with the £10 payment?

[Deefer]

No, i phoned them up, requesting the information, they were able to confirm over the phone that i had nine charges. They said someone would be calling me back to confirm my request and notify me of any charge..

 

Thanks Clayt for that address.. i'll be sure to make that my first move if they dont get back to me today.

 

On another point, i had a HSBC student account, that got rinsed with charges and i ended up paying over 2000 back to them. the account was closed and handed over to debt collectors, i then settled through them. is it still possible to claim off them??

[mckeowny1]

hi,

 

what is the schedule of charges?

[Deefer]

The what ?? how do u mean?

[kydcarmen]

A schedule of charges is a list of the bank charges that you wish refunded, giving amounts and dates and what the charge is for. You include this with your prelim letter.

[cariad]

On another point, i had a HSBC student account, that got rinsed with charges and i ended up paying over 2000 back to them. the account was closed and handed over to debt collectors, i then settled through them. is it still possible to claim off them??

 

Yes...as long as the charges are not more then 6 years old.

[ArthurC]

No, i phoned them up, requesting the information, they were able to confirm over the phone that i had nine charges. They said someone would be calling me back to confirm my request and notify me of any charge..

 

Thanks Clayt for that address.. i'll be sure to make that my first move if they dont get back to me today.

 

On another point, i had a HSBC student account, that got rinsed with charges and i ended up paying over 2000 back to them. the account was closed and handed over to debt collectors, i then settled through them. is it still possible to claim off them??

When you receive the list of charges ensure it covers six year period. Halifax try to fob people off with just the last two years or so because it requires a bit more effort to retrieve record solder

Regarding the closed student account you can still reclaim the charges in exactly the same way as long as you have your old account number to refer to. You then use the amount you recover to clear the debt