Jump to content
  • Tweets

  • Posts

    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days)  And fixed it, It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell  Turns out the wires had melted on the back of cooker  I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff.... I wanted a refund or replacement  I had had the cooker 6 months just! I asked for a refund or replacement  I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up  Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved  Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family  I didn’t want this cooker fixing again ( by whom)  They started to blame me and said I should be grateful they aren’t charging me for the repair!! Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one. I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out!  I am struggling with making the county court claim ? What shall I do? ( sorry for long message) ✨
    • The committee's report is pretty damning, isn't it? The Home Office refused to supply the scientific evidence it said its decisions were based on and you can possibly see Demonic's hand in this - he has form for ignoring select committees.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
    • You can pay on the day of travel or by midnight the next charging day..   Appeal to TfL on the grounds that you have already paid within the allowed time and enclose proof of payment.
    • Hi Andy should  try to sttle for A minimum f&F ?? Also what happens to older credit card debts in probate that we have all discarded??
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 8 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Halifax One - PPI and overlimit charges

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3574 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I've been asked to help with a Halifax One Credit Card account and would appreciate any assistance.


On my advice, having read many posts on here, the cardholder requested repayment of Payment Protection Insurance (PPI) charges on their account.

They were advised that it would take 30 days for an investigation to be carried out.


In the meantime, the account has gone over the agreed credit limit and is now attracting default charges, shown as 'overlimit' fee (£12). An attached 'Notice of Default Sums', claims that interest will be payable on these sums after 28 days.


The bank are demanding immediate payment of the overlimit amount and have threatened to take money from the cardholders other accounts held with them.


As the cardholder is due repayments of PPI from the bank which would at least clear any overlimit, if not the whole balance, they are understandably reluctant to meet this demand. They have never missed any payments due on the account and are very upset at such treatment from a bank they have had accounts with for more than 20 years.

So much so, that they would like to close all accounts with Halifax, including mortgages and savings.


Well done Halifax, another loyal customer alienated and needlessly lost in pursuit of punitive charges, particularly since they resulted from their own mis-sold insurance.

Such irrational business practises could ruin the world economy ................ Oh, they did.



Would placing the CC account in dispute prevent the bank from transferring funds from other accounts?

I assume Halifax might resist closure of accounts while there is an outstanding debit.


Any advice on how best to proceed, with links to appropriate letters, would be welcomed.



Share this post

Link to post
Share on other sites

i would not in the lease be worried abou the additional charges, pay it, you'll get it back + interest

just put your claim in for ALL the unlawful charge after the 28days has gone. then charge them at THEIR purchase rate


as you should with the PPI too!!


look in the PPI furum at the stickies up the top for 'notes for claimants' etc etc and READ READ and READ again.


as for the right to offset .. no you cannot stop them


time for a parachute a/c


it is always best to pay ones wages into an a/c of a 'group' of banks that you have no other connection with.


see the library top left for letters and things.




please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

Thanks for you response DX.


This is the reply from the bank -


I refer to our letter regarding your complaint about the mis-sale of the Payment Protection Insurance (PPI) on the above account.

I apologise for the delay you have experienced in reaching a resolution regarding the redress for your complaint.


The decision was to uphold the complaint and offer to settle in the way recommended-by the

Financial Ombudsman Service (FOS). The only fair and reasonable way of addressing your

complaint is to offer you a refund of the premiums plus any applicable interest incurred. If, by

reapplying this to the account in each month that you had the policy, a credit balance is

produced for any period, we will pay interest on that balance for that period at 8% simple per



I am pleased to confirm that the redress calculation has now been completed and the details

of the redress are shown below.


Refund of premiums to date = £311 .14

Interest charged on premiums = £ 89.96

Compensatory interest at 8% = £ 0.00


Total = £401.10


It should be noted that the redress figure quoted above will be refunded back onto the credit

card account where the PPI premiums were originally debited.

Please note that as your credit card account is in arrears/over the agreed credit limit, it is our

policy to offset the amount of redress we are offering against these arrears or any currently

outstanding balance, over and above the credit limit. By taking this action we are helping to

ensure the interest and/or charges in relation to your credit card are reduced.

Therefore part of your redress will remain on the card account to reduce the arrears/over the

agreed credit limit and a cheque will be forwarded to you for the remainder within five days.



The bank have advised by phone that a hold has been put on the question of repaying charges pending an expected court ruling.


If this is the case, is there any point in making a further claim until after that decision?

Share this post

Link to post
Share on other sites

charges, no the hold is ppi only, go get the unlawful fees back + int at their rate.

i would, in all honesty, write to the bank too and inform them that it would be inappropriate to levy any further over limit charges because of their decision to 'stay' the PPI repayment, they have put the stay on not you.

unfair relationship springs to mind.



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

Hmmm .... there seems to be some confusion here DX.


The PPI redress, as contained in the letter, has been paid. I'm assuming those calculations are correct.


The other issue ...... "The bank have advised by phone that a hold has been put on the question of repaying charges" ........ this is the £12 overlimit charges the cardholder requested repayment of.

Are you not aware of any reason why they've put a hold on these?


The plot thickens .

Share this post

Link to post
Share on other sites

poss the ppi went through before the 'stay'


but certainly, there is no legal hold on any charges issues anymore.

and there never was on cc/loans anyhow


someone is pulling a fast one!



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

A SAR has now been issued to them.

In addition to the charges I'd also like to check their PPI calculations, hopefully with help from others :wink:.

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...