Halifax - Charges (again)

[Calpol]

I know there's probably about a million threads like this but:

 

I'm a very gentle, kind person, but HBOS make me want to tear my hair out! So, I manage my account online. I was completely unaware that this method of banking would cost me so much money. Because apparently it doesn't update, and I should, instead be taking my lazy arse down to the cash point to print off a mini statement so I actually know how much money I have in my account. Either that or get myself an accountant. I fear I might have been able to afford one if I had not been charged so much over the years. The icing on the cake is being told that my very first reversal of a bank charge was a 'good will gesture'. GOOD WILL?!!? NO! Good will would be not charging me £100 for going overdrawn by £1.50 for less than 1 day, when your stupid good for nothing waste of space for a website is telling me I'm in credit. I can't help but think that these are just ingenious methods of trying to get themselves out of the stupid mess they've got themselves into.

 

It's not fair

[middenmess]

Guess you will not enjoy this thread then!!!!

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/225535-halifax-overdraft-changes-accounts.html

[maroondevo52]

Hello and Welcome, Calpol.

 

It's not fair !!! Tell us about it

 

I'm like you, nice guy, would'nt harm a flee, help old ladies across the road, ect.

Banked with HBOS for about 25 years and incurred about £8,000 in charges

 

Ended up taking them to court, got back every penny including interest, like you they told me the would refund a few as a goodwill gesture and I had no chance of getting any more

 

Your best option is to claim the charges back, It's your cash.

 

Regards.

 

Scott.

[Calpol]

I've attempted to claim back charges previously, but I just got a letter back saying that they would put my claim on file for the moment. I had been unemployed for approximately a year, but managed to gain employment and this is the first month I have been paid. So first comes relief then anger knowing I can't buy essentials (a heater - it's cold up here in scotland etc). Makes me wonder what good my money will go to when they rob it from me.

[BankFodder]

Put your claim in through the courts now. You will be entitled to a waiver of court fees

[Calpol]

Thank you for your help, I've had a look and I'm sure there's somewhere that will give me help and advice on how to do this but I can't find it...

[maroondevo52]

Hi,

 

Everything you needs in here..............

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

Regards.

 

Scott.

[Calpol]

Hello,

 

I'm thinking about going down the route of getting the FOS to take on my case instead of going to court. I know it can be slower, but is there anything else I should know?

[maroondevo52]

Hi,

 

I used FOS before the test case, I think now they will tell you everythings on hold.

 

You have to have had a 'final offer' from your Bank and must use FOS within 6 months of receiving that 'final offer'.

 

Regards.

 

Scott.

[Calpol]

Chars