miki

[miki]

Just found this ite after having unsucessful phone call with Halifax PLC - got home from hols tomfind total of 5 letters each happily announcing another charge for exceeding my overdraft limit by £100 - charges I think now total over £170 and more on way says cheery customer services person. Halifax say all charges will stand as they are valid...........help??????please any advice

[HSBCrusher]

Hello Miki.

 

Welcome to the site.

 

Firstly, have a very good read of the FAQ, library and as many threads as you can. There are links in my signature below.

take a few days to learn as much as you can before you start out.

You will get back your money, it just takes a little time and effort.

Keep us posted

 

Crusher:D

[miki]

Thanks Crusher! Your postive last line was all I needed to take them on!

[HSBCrusher]

You are most welcome!

 

You will get it all back for the past 6 years.

 

Looks like you have a holiday coming up!

[miki]

Okay beginning to get a feel for this now - my only concerns are the threat of the bank closing my account and demanding payment of overdraft in full - I have access to another account so no problem there but I would not be able to pay overdraft in full. Just what are the chanes of this happepening and is there anywhere on this ite I can read accounts of people whi have dealt with / dealing with Halifax?

[HSBCrusher]

Have a look in here for Halifax threads.

 

It's not very likely you will have your account closed though.

[miki]

Now sent my data protection letter - didn't actually state I wanted the last 6 years but took the template letter literally and asked for whole history - 25 yrs!! eeek!! Anyway will wait and see outcome. Really have bit between my teeth now - went into branch this pm and was unable to withdraw money from savings account to transfer to current account to cover overpsend on overdraft - cashier said she was unable to proceed until made a phone call - she was unable to get through on phone as she said it was a recorded message - words fail me!! More charges wil be incurred no doubt!

Anyway real reason for this postings is that I am not the best at IT and am beginning to find my way round the site - all the important bits - but just how do I keep a thread going and updated? How do I access it other by a lucky click?? Sorry to sound so dim - I would like to put on my progress as it happens. Diolch! ( thanks)

[HSBCrusher]

tou can find your thread in user CP (in the blue band above) or you can use the search (also link above)

 

 

"went into branch this pm and was unable to withdraw money from savings account to transfer to current account to cover overpsend on overdraft - cashier said she was unable to proceed until made a phone call - she was unable to get through on phone as she said it was a recorded message - words fail me!!"

 

what???

 

fail me too.

stick on in there.

keep us posted

[miki]

Ok but how can I put a list of dates and where I am up to etc that appears at the end of each post? Sorry - not my strong point the world of computers - but once shown I'm usually ok!

[HSBCrusher]

user cp, edit signature in left hand box. Just write away.

[miki]

Thanks - now I understand! Done some more reading etc - if my 'data' shows I have had manual intervention on my account - what exactly does that mean/ imply?

 

Love the Dragon - improvment on that spinning tardis - making me dizzy!

[CitizenSmith]

Hi Miki

I can assure you that they will not respond to the 'manual interventions' issue contained in the initial DPA template letter (request for copy statements) so just keep in there and don't lose faith in the site's model approach !

Regards

Wolfie

[miki]

So what does that mean?? If they make no reference then I insist?? is it that important these manual intervention things??

Thanks

[HSBCrusher]

The imoptant thing is that they are given a chance to give you details of manual intervention, of course we all know there have been none, as all this stuff is automatic and banged out by a computer. This issue is not as important any more however as the banks have changed the arguments, so really nothing to worry about.

 

 

And whats wrong with my tardis.

[miki]

Great thanks for that.

[miki]

Have had no word from Halifax - but then wasn't expecting to! Should I ring to ask on their progress in getting the info togther?

 

Just out of interest for those who follow this - in previous post I mentioned I was unable to transfer money from one account to another as there was a block on the account - the cashier did finally relent and moved the money. I returned on Saturday to withdraw more money requesting a chq for large purchace being made next day - refused due to block on account - same cashier and remonmded her she carried out transacation herself a few days before etc etc - took an hour to sort out - insisted that they keep ringing ( good job my husband was with me - the voice of reason - as I was close to blowing a gasket) The block was due to missed payment on Halifax One card in November 2005 - I had closed card in Jan 2006!! At the time of missed payment they rang to inform me that they had taken payment from my 7 yr olds child account - I'd forgotten all about that. Be warned if you have money anywhere else they will come after you!

[miki]

Can I change my use name?

[dolly]

Please can you stop posting in the welcome forum as your questions won't get answered. Please start a new thread in the Halifax section and if you want to change your user name please PM a mod. Thanks.