Halifax overdraft withdrawn with no notice - now being chased by Blair Oliver and Scott

[Dudley67]

ok, thanks, but the account is with halifax (which i know is part of the same group...) the worry is that we moved our account to LTSb two years ago because of the halifax...... I am sure you can see where this is going.

 

any advice? am now bricking it?

[Dudley67]

hello anyone.....?

[Guest]

you said they said in writing

.....that they were transferring our account to another company and not to do anything as this will not affect us....

 

halifux are now part of loyds banking group, so is maybe prob just going there for internal 'admin' purposes.

don't worry, just continue payments.

could phone them up to double check and that your SO doesn't need to be changed.

imo

Edited September 28, 2011 by Ford
typo

[Dudley67]

hmmm makes me feel very uneasy......

 

i just dont like this at all because I cannot see the sense of it?

[firstship]

It does not make sense the change from BOS to BLT with 3 payments to go.The last time I checked LLoyds and Halifax had separate trading licences.

 

I think this is a case of go with their arrangement,as I feel we are reading more into this than needed.

 

You are still dealing with Halifax as the OC,the other 2 BOS and BLT are just mouth pieces for the group,the debt has not been sold,it really does sound like an internal adjustment

 

Regards FS

[Dudley67]

ok, will take your advice. I will go into branch though and request an up to date balance as our payment from today normally clears immediately

[Dudley67]

update - I went into the branch and the lady who served me didnt have a clue, tried to tell me that their systems had been updated and as such was unable to access the account. She told me tha the account had been sold to another debt collection agency and could not help me! I soon told her that it hadnt and that BLS were in house team. We eventually got through to BLS who gave me the ususal 'increase payments, settle acct ' crap. what was more interesting was that I was told that as the account had been passed to collections once the overdraft is paid they are closing the account and end of story - are they allowed to do that?

[Dudley67]

any thoughts on this would be appreciated.

 

Kind regards

 

Mr Dudley

[Dudley67]

anyone.....

[Guest]

dudley

so, did your SO payment go through as normal then?

[Dudley67]

my payment has left my account and at the time of checking it had not arrived. I will check tomorrow.

[citizenB]

Dudley, did the payment go through ?

[Dudley67]

we didnt get a statement despite asking for it, all we got was a letter stating that we should continue to make payments as before! checky barstweards!

[citizenB]

It bothers me no end that they are refusing to provide you with a statement.. why is this I wonder. Will look into this further for you.

[citizenB]

Have you considered making a subject access request to the Halifax.. you should specifically request statements.. as well as the other stuff mentioned in the draft letter in the CAG library. It will cost you £10.00 and they have 40 days to comply.

[Dudley67]

Hello everyone, I wanted to update my thread and to ask for some futher advice if I may!

 

Well the time has come to pay the last installment of this wretched account, after paying back over £3,500 majority if which is bank charges we have £123 left to pay. This wil be cleared at end of Jan. However we have been told that this account will close once we have cleared the overdraft- can they do this? we dont want to lose the account? any help on this would be apprecaiated.

 

On another matter of the charges, am I right in thinking that once we submit a SAR that we can attempt to claim back the charges that they have slapped on this account over the years?

 

I look forward to hearing from anyone!

 

kind regards

[citizenB]

Hi Dudley,

 

Sadly yes they can close the account..

 

If this is a current account, then I think you would have a hard time reclaiming charges. However, it might be worth your looking at the BCOB articles which can be found in CAGmagazine, but I have linked them below for convenience.

 

http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament

 

http://www.consumeractiongroup.co.uk/forum/content.php?829-Charges-successfuly-reclaimed-from-RBS-last-year

 

http://www.consumeractiongroup.co.uk/forum/content.php?825-BCOB-the-hidden-rules

 

http://www.consumeractiongroup.co.uk/forum/content.php?824-Does-your-bank-play-fair

 

http://www.consumeractiongroup.co.uk/forum/content.php?826-How-Can-BCOB-Protect-You-From-Your-Bank-s-Unfair-Treatmen

 

If you want further help with this.. then just let us know.

[Dudley67]

can we oppose the account being closed? Is it in our favour to have it closed? or will it do our credit rating good to close it?

[Guest]

check your credit files. it may be down as an 'arrangement to pay' or the likes. once paid, it should be marked as 'satisfied' or similar. which is better than unsatisfied re a credit check. but, in any event your rating may not be the best due to the 'arrangement'.

[citizenB]

can we oppose the account being closed? Is it in our favour to have it closed? or will it do our credit rating good to close it?

 

I will try and find some answers to this question. I really dont know !!