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Feel stitched up by the halifax

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I feel so stitched up by the Halifax !!

25th November I made an arrangement with then to tackle my overdraft, which was over the agreed limit.


The arrangement was

1. they increased my o/d limit to 1.450k stopping further charges


2. set up a standing order of £12.50 a week from my cardcash account to my current account so lowering my o/d by a total of £50 a month.The weekly payments have been made as agreed.


3. I can continue using the account as normal so long as I made sure funds were there to cover spending, which I have done.


I received confirmation that the £12.50 a week had been accepted, but nothing else was mentioned in the letter.



I received a letter stating that I have broken my agreement with them so its now cancelled !!


Rang them today and they have said that as I haven't paid £35 a month and have used the account they have cancelled the agreement !!!!!!!! After much discussion the guy said he has frozen my account ...called in my o/d, and there would be a £5 a day charge, he would however re-instate my payment plan of £12.50 and waive the charge for a few months.


Problem is where do I go from here ?? I KNOW what I agreed to do and have done it, Any suggestions would be really appreciated, I am at my wits end with this, and feel like I have been manipulated into being even more over my limit with not much hope of being to clear the account, especially when they start the £5 a day charge.



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Jan make a written complaint and ask them to listen to the call since they would have a log of the call. Furthermore, ask them to reinstate the payment plan and refund any monies taken since the error was made by them not you. Keep everything in a chronological order. When they reply post up and we will see where we go from there.


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

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Thanks yourbank...will do

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