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Can they close my credit card?


rjol
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Dear all,

 

Thanks for a great website - it has been invaluable in helping me wade through this problem!

 

The Halifax owe me just over a grand and I've sent the LBA today. I've already moved into a parachute account although I've left my Halifax open (but with nothing in).

 

My probnlem is that I haev a credit card with them and if they were to close my account could they close my card as well and demand repayment?

 

Would be very grateful for any advice.

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That's my concern too. They must owe me a fair penny on my current account, but would be concerned about them taking action using my credit card debt as levy.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Yep, this is also my concern.

 

I have a loan agreement with the same bank as my current account. I am claiming charges for the current account, but since I have had the loan I have paid on time every time.

 

I am worried that they will want to close this loan account too and ask for the money back. I have looked through lots of forum's but still can't find anything on this, I have read somewhere that the bank can claim that communication with the customer has broken down, if they are able to claim this then I don't see how I could stop them closing the loan account.

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I claimed charges back from my HSBC bank account, and have had no problems with them regarding the loan I have

 

As long as you are keeping up your loan repayments I do not see any way they would break the agreement and try to claim it all back, would look incredibly in a court if they did anything like this

 

The only way I see banks getting difficult with loans/mortgages etc, is if you start missing payments

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They shouldn't close your credit card as its a separate agreement!

However should you fall behind with payments or go over your limit they may close it at their discretion!

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Thank you everyone for your feedback.....much appreciated.

 

I sent my LBA over a week ago by recorded delivery - however my firends at the post office can't find a record of it being delivered:-x and I've heard nothing from the Halifax.

 

How do you think I should proceed - can I assume that they've got it and file my money claim when the 2 weeks is up?

 

Thanks once again for your advice.

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Hi rjol

 

Send the letter again registered post.It may have been lost.Remember you have to show that you have tried to communicate with the bank.Straight Moneyclaim is'nt fair i feel,especially if you want something from the bank in the future.

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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They shouldn't close your credit card as its a separate agreement!

However should you fall behind with payments or go over your limit they may close it at their discretion!

 

NAt west cancelled mine week after mcol went in - no reason just said it was a general view of their poisition - bal was 5750 limit 6450 - total charges over 5 year period £112 - hardly a mismanged account - call centre told me it was a fair assumption that this was because of my claim.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I claimed against my NatWest credit card, I still have my law college loan with them and a current account, not a word on anything being closed, maintained a very good relationship with the bank, never had a problem with the current acc r.e. missed DD's or over limit and always paid my loan repayments on time, just the one prob with the CC, grduate manager has never even mentioned the fact that i claimed against them. I would welcome some of the credit cards being cancelled as i dont use half of them, just aslong as tey dont ask me to pay back the balance on them LOL :-P

NatWest Credit Card - All charges refunded (£350.41) after first request sent :D

HSBC - 1st Approach Letter sent (£62.41) 12/09/2006. LBA sent recorded delivery 26/09/2006.

6/10/2006 - We believe that if this went to court etc we would win letter, but we are refunding you the charges made, we accept no liability - LOL I think by refundng me you accept that you are wrong!! I win :D

Capital One - 1st Approach Letter sent (£40) 20/09/2006. 29/09/2006 Full refund offered, letter dated 25/09/2006.

Barclaycard - £235 charges - Pending Action. WON!!

Halifax - Prepairing letters for £125 in charges on closed account. WON!!

Natwest Creditcard again

£12 late payment charge 13/11/2006 - LBA sent 17/11/2006. WON!!

Fight the power, you owe the banks nothing and they owe you everything!!

Now it's 3-0 to me :D

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