Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • EU deal replicated 'as far as possible' ... aka less than   "The British Government is continuing to work intensively on securing continuity with other countries. We have secured agreements – either signed or agreed in principle - that account for 64% of the UK’s trade with all the countries with which the UK is seeking continuity, should we leave the EU without a deal."   With what I've seen on that page I linked earlier, that would seem to be decidedly unambitious 'trade deals across the world larger than the EU
    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
London000

London v Current acc Halifax

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3860 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there,

I have been with Halifax for years.

I have had missed payments here and there (but I would say just a few in the last 14 years) ...I am only human...

As I have had all these years my salary paid in (good salary I would say), Halifax have been ok (that's what I thought).

Two years ago when I have been through diff. times I have lost my job.:(, therfore I have been getting the JOB seekers allow.

 

Anyway once I have started to reclaim the charges applied onto 2 Haliax credit cards as well as the curr account, I have had that feeling that Hlaifax will come back to get me somehow, therfore I have opened another acc within months with a diff. bank.

The curr. acc I've had had an aranged overdraft for 500.00. Once I have opened the other acc, I have told the new bank to close the halifax cur acc. and to transfer everything from there including the overdraft..but they could not transfer the overdraft but they did everything else.

I was £496.00 in overdraft. Halifax wrote me a letter saying that they have charged me £6.43 which made me going over the arranged overdraft.

 

My question is:

is there anything I could do to get rid of these charges extra???Actually to freeze these one?

I know that I have to pay back and anyone would advice me how to proceed? Would I have to offer a £1.00 payment??

I am only asking as I have reclaimed all the charges under the Hardship Case and now is with FOS.....

Any help will be much appreciated.

Thanking you in advance,

DD:)

Share this post


Link to post
Share on other sites
Hi there,

I have been with Halifax for years.

I have had missed payments here and there (but I would say just a few in the last 14 years) ...I am only human...

As I have had all these years my salary paid in (good salary I would say), Halifax have been ok (that's what I thought).

Two years ago when I have been through diff. times I have lost my job.:(, therfore I have been getting the JOB seekers allow.

 

Anyway once I have started to reclaim the charges applied onto 2 Haliax credit cards as well as the curr account, I have had that feeling that Hlaifax will come back to get me somehow, therfore I have opened another acc within months with a diff. bank.

The curr. acc I've had had an aranged overdraft for 500.00. Once I have opened the other acc, I have told the new bank to close the halifax cur acc. and to transfer everything from there including the overdraft..but they could not transfer the overdraft but they did everything else.

I was £496.00 in overdraft. Halifax wrote me a letter saying that they have charged me £6.43 which made me going over the arranged overdraft.

 

My question is:

is there anything I could do to get rid of these charges extra???Actually to freeze these one?

I know that I have to pay back and anyone would advice me how to proceed? Would I have to offer a £1.00 payment??

I am only asking as I have reclaimed all the charges under the Hardship Case and now is with FOS.....

Any help will be much appreciated.

Thanking you in advance,

DD:)

 

London, is the hardship case separate to the other thread you have?

And when did you reclaim under financial hardship and did they give you a financial hardship closure letter which should explain any refund if any?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
London, is the hardship case separate to the other thread you have?

And when did you reclaim under financial hardship and did they give you a financial hardship closure letter which should explain any refund if any?

 

Hi there yourbank,

Halifax did send the financial statement 3 months ago, then no sign, then another statement to complete and sent, but nothing. I have explain the stiuation as being in Hardship case but no reply....then FOS.

I do not know what it means hardship closure...sorry???:confused:

At the moment I am waiting for FOS....

DD

Share this post


Link to post
Share on other sites
Hi there yourbank,

Halifax did send the financial statement 3 months ago, then no sign, then another statement to complete and sent, but nothing. I have explain the stiuation as being in Hardship case but no reply....then FOS.

I do not know what it means hardship closure...sorry???:confused:

At the moment I am waiting for FOS....

DD

Halifax should under the FSA Waiver issue a financial closure letter which should outline a final response on the financial hardship part of the claim.

With the FOS did you send them Income and expenditure form(household) plus all correspondence and any arrears notices?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
Halifax should under the FSA Waiver issue a financial closure letter which should outline a final response on the financial hardship part of the claim.

With the FOS did you send them Income and expenditure form(household) plus all correspondence and any arrears notices?

 

Hi yourbank,

Halifax did send a letter saying that they can not see any sign of financial problems after I have completed the financial statement sent by them around 4 months ago maybe even more...I have to check. How did they come to this I do not know but I am sure it was just a template letter they sent as a same letter one of my friend had.

So, I have sent another letter with all the expenditures (a copy of financial statement), that I am under JSA, bills do have to be paid and I do not have enough ...etc. And what they did? Thay have sent another financial statement to be completed ...so I did 1 month ago.Nothing since btu I have taken FOS route. I am still waiting to hear from them...so no I did not have anything with regards to the expenditures yet, as they will have to investigate how Haliafax handeld the issue...

DD:rolleyes:

Share this post


Link to post
Share on other sites
Hi yourbank,

Halifax did send a letter saying that they can not see any sign of financial problems after I have completed the financial statement sent by them around 4 months ago maybe even more...I have to check. How did they come to this I do not know but I am sure it was just a template letter they sent as a same letter one of my friend had.

So, I have sent another letter with all the expenditures (a copy of financial statement), that I am under JSA, bills do have to be paid and I do not have enough ...etc. And what they did? Thay have sent another financial statement to be completed ...so I did 1 month ago.Nothing since btu I have taken FOS route. I am still waiting to hear from them...so no I did not have anything with regards to the expenditures yet, as they will have to investigate how Haliafax handeld the issue...

DD:rolleyes:

 

The financial closure letter is what you have to argue to the FOS, ie that their response was wrong. However at the moment the FOS can simply say that halifax complied with the waiver.

 

I am getting a lot of these sarcastic emoticons used once I post.......I just wish someone would say sod off my thread cos I can, lol.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
The financial closure letter is what you have to argue to the FOS, ie that their response was wrong. However at the moment the FOS can simply say that halifax complied with the waiver.

 

I am getting a lot of these sarcastic emoticons used once I post.......I just wish someone would say sod off my thread cos I can, lol.

 

Hi yourbank,

I only wish I can be the one to tell you that...

Joking:smile:

 

Do you know what I should do in terms of overdraft now??? Sould I offer any minimum payment of £1.00?? and send a letter of freezing the charges and interests???

Thank you so much.

 

DD

Share this post


Link to post
Share on other sites
Hi yourbank,

I only wish I can be the one to tell you that...

Joking:smile:

 

Do you know what I should do in terms of overdraft now??? Sould I offer any minimum payment of £1.00?? and send a letter of freezing the charges and interests???

Thank you so much.

 

DD

Personally £1(or £10) a month until the conclusion of the OFT test case issues and make them aware that you will deal with any repayment plans once the legal certainty has been resolved. You have to remember, you want to make them believe that you are being reasonable offering token payments until such time as the legal case is over with and at the same time making sure that if they shut the account you can complain to the FOS cos you were being reasonable to them.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
Personally £1(or £10) a month until the conclusion of the OFT test case issues and make them aware that you will deal with any repayment plans once the legal certainty has been resolved. You have to remember, you want to make them believe that you are being reasonable offering token payments until such time as the legal case is over with and at the same time making sure that if they shut the account you can complain to the FOS cos you were being reasonable to them.

 

Hi yourbank,

Thank you for the advice. Sorry to be a pain...

I have to say that this acc has been closed as once I have tried to use it around 2 weeks ago the cash machine kept it in...and that was without any notice...:-o

I will offer them the token payment as you said.. Should I also mention anything to Halifax with reg. to keeping the card??

But thinking about it I believe that once I have said to the new bank to move everything else over form Halifax acc it might have helped in closing the Halifax acc.?.?

Thank you once more for the help.:)

DD

Share this post


Link to post
Share on other sites
Hi yourbank,

Thank you for the advice. Sorry to be a pain...

I have to say that this acc has been closed as once I have tried to use it around 2 weeks ago the cash machine kept it in...and that was without any notice...:-o

I will offer them the token payment as you said.. Should I also mention anything to Halifax with reg. to keeping the card??

But thinking about it I believe that once I have said to the new bank to move everything else over form Halifax acc it might have helped in closing the Halifax acc.?.?

Thank you once more for the help.:)

DD

 

I think if you have used an account transfer service from the new bank, it does normally have a bit where you can close the account so I wonder.......

You don;t have to mention the card at the moment to halifax


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
I think if you have used an account transfer service from the new bank, it does normally have a bit where you can close the account so I wonder.......

You don;t have to mention the card at the moment to halifax

 

Hi there again,

I will not mention anything...

Thanx

DD

Share this post


Link to post
Share on other sites

Hi there,

I am back with a few questions.:p

First of all I would like to ask if anyone knows anything about CCCS.

 

Once joined CCCS (with about 5 accounts with them), never received any statements. Is that normal????:-?

 

Secondly, is there any chance that to be able to come out of it any time?

 

And third and last point - as finishing work being on the point of getting pension would that be anything I could do to pay less per month???

 

Many thanks,

DD:)

Share this post


Link to post
Share on other sites
I think if you have used an account transfer service from the new bank, it does normally have a bit where you can close the account so I wonder.......

You don;t have to mention the card at the moment to halifax

 

Hi your bank,

 

I have had a letter from Halifax about my offer letter of £1.00 saying to contact a management company as they will not accept my offer unless they receive a New financial statement drafted by Mangament comp or CAB,etc.

Now if by any chance I will use instead of management comp. the Citizen Adv.B. or Trading Office,etc, they will add charges.

 

My question is: why do I have to take a Management company in order to escape these charges ??? and why do they keep aplying charges if I use other companies?????:confused::confused::confused:. I am definetely puzzeled now...

 

I have been with CAB about 2 years ago and they have closed the case as everything was sorted...then I have CCA them, claimed all the charges, and the whole story....etc which CAB doesn't know.

 

Any thoughts?? Many thanks.:cool:

DD

Share this post


Link to post
Share on other sites

Hi there again,

 

I have a letter from Halifax saying that they are charging (over the 500 aranged overdraft) £28.00 and they will also be adding interests on it.

 

I have written to CAB and still waiting for their reply.

 

Are they entitled to do that??? I was 496.00 in overdraft, then they have applied a £6.47 interest and obviously I went over the arranged overdraft going to- 503... Ihave offered a token payment of £1.00 as I am on JOB Seekers, they rejected it saying that I have to contact the CCCS or similar comp. and now £28.00.

 

What shall I do now????:confused:

DD

Share this post


Link to post
Share on other sites

HI there everyone,

I have received the letter after months and months of letting them know that I am in hardship case...plus 2 financial statements which Halifax sent and here I am 6 months later...this letter.

 

 

http://i609.photobucket.com/albums/tt173/americaninparis/BankCurrentaccrespondedafter8mon-1.jpg

 

Any thoughts please??:?

 

Thank you kindly,

DD

Share this post


Link to post
Share on other sites

Is that a personal bank account?

The letter does not even state why they think that you are not in financial hardship.

The letter is almost like one you would get for a credit card account.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
Is that a personal bank account?

The letter does not even state why they think that you are not in financial hardship.

The letter is almost like one you would get for a credit card account.

 

Hi yourbank,

Thank you for looking into it. Yes it is a current acc. They have stoped my card into the cash machine but they have never sent another one, although I did not wish to have anything to do with this bank anymore...

It is a strange one for to see something like that but what shall I do now?

DD:cool:

Share this post


Link to post
Share on other sites

....

and received the statement today ...£28.00 charged for over the overdraft limit when I mentioned not to be charged while contacting the CCCS and CAB...

Have to write them another letter again...

Why are they so thick to understand???????

Geting p...d off with them lot. It is a good bye from me once I finished with them.

DD:p

Share this post


Link to post
Share on other sites

...and the good news was today I have received a cheque with a substantial amount :D from Capital One after 8 good months of asking,... and just on the point tomorrow to file a court claim....what a shame in a way .....but was a good thing at the end...

DD:cool:

Share this post


Link to post
Share on other sites

Hi there everyone,

 

It is time for the muppets show:D

 

Have a look at what I have received:

 

http://i609.photobucket.com/albums/tt173/americaninparis/HalifaxCurrAcc.jpg

 

What do you think guys??

So they have agreed finally that I am in hardship!!!

Also no charges applied and that is a good sign...but where are the repayment of the charges....almost 2 grand???

DD:cool:

Share this post


Link to post
Share on other sites

Hi there everyone,

 

Have received the following letter to my curr. acc (I've had with Halifax) as to the date did not received any card they have taken without any prior notice.

As I have written a letter with regards to the new regime of charges as well as complaining about taken the card....

 

I have read the letter and it appears that after almost 1 year of writing to let them know that as I am in financial diff. they have to either stop adding any charges and obviously to return the charges applied since opening this acc. (which I am sure they will not until the 19th Nov...200? when court will decide)

Anyway it seems strange letter to me as it is no case number to refer to the charges nor it is about the new regime....what is it about then???

 

Have a look...

 

http://i609.photobucket.com/albums/tt173/americaninparis/CurrAcc-Halifaxreply.jpg

 

DD:cool:

Edited by London000

Share this post


Link to post
Share on other sites
Hi there everyone,

 

It is time for the muppets show:D

 

Have a look at what I have received:

 

http://i609.photobucket.com/albums/tt173/americaninparis/HalifaxCurrAcc.jpg

 

What do you think guys??

So they have agreed finally that I am in hardship!!!

Also no charges applied and that is a good sign...but where are the repayment of the charges....almost 2 grand???

DD:cool:

 

You get that on the conclusion of the OFT test case issues but it is one less thing to worry about.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites
You get that on the conclusion of the OFT test case issues but it is one less thing to worry about.

 

 

Hi Yourbank,

Yes I can't wait for the outcome..

Thank you,

DD:cool:

Share this post


Link to post
Share on other sites

Hi there everyone,

Following my template letter drafted by Bookworm with regards to the £1.00 charge daily on Curr. Acc. I have received the following response:

 

http://i609.photobucket.com/albums/tt173/americaninparis/CurrentAccHalifaxlastletter-1.jpg

 

They have also said on the back of their above letter as it can't be seen, that "As long as you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you within the next 8 weeks from the date of this letter I will close my file."

 

I would like to close the account once I have paid the O/D but if there is anyone to let me know if Halifax will be charging anything should I do it...and how much?

Thank you,

DD:cool:

Edited by London000

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...