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Not sure if im posting in the right section..

 

Last year my son went overdrawn in his bank by nearly ONE whole pound, He went straight into his local branch the next day to pay the pound and close the account. A few weeks later he got a letter from Halifax stating that he had been charged 35 pounds for the unauthorised overdraft, he phoned and explained that he paid it back in and that account was now closed ..they said he had to pay the 35 pounds anyways..He only recieves JSA, So he explained he was unable to do this, For the next eight months or so 35 pounds extra keeps getting add on each month.

 

Any advice on what he should do , also he has another account with Halifax which his JSA gets paid into, would he be wise moving his account elsewhere ?

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Hi, sweetkitten.

 

From what you have said the account is obviously still open, you can only close an account when the balance is '0' which your son's was not due to the Banks unauthorised overdraft charge.

 

Your son will have to start a claim to get these charges back.

 

Your right about shifting the other account, because they will 'offset' the debt against it.

 

I'll move your thread to the HBOS Forum :)

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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He could try phoning them again, but I think re-claiming will be the only way to sort this out.

 

Is he still getting statements ?

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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