Halifax OD - what can I do please? They refuse to stop charges or make arrangement

[Rocky Roadster]

Hi all,

I am worried (again).

 

Halifax OD is now over 2k and charges will go to £2 per day soon and escalate through the roof.

 

I have written to them asking to make an acceptable arrangement and requested that they stop charges but they just insist I speak to them on the phone or in branch and keep bunging £30 a month on.

 

They insist that I can only close the account by paying it all off.

 

More or less ignoring my plight.

 

What should I do?

[Bazooka Boo]

Good old shallowfax...bet they wished they knew where I lived!!!

 

Anyhow, you should continue to deal with them in writing, their attempts to get you to speak to one of their phone drones will all be one sided and they will simply want you or a member of your family to pay the account off. In fact they will tell you to get a loan to pay them back!

 

Work out exactly what you used from your overdraft, forget the charges they are adding, work out what you can realistically and comfortably afford to pay them each month toward the O/D, once you have reached the figure you actually owe, NOT the charges they add, then stop payments.

 

In the meantime whilst you are paying them what you can afford, use their complaints procedure and exhaust it or they send you a "deadlock" letter then you can escalate your complaint to the FOS.

 

When you make them an offer of payment this needs to be done in writing, you don't need them to agree to it, just tell them this is what you will pay each month and start paying.

[Rocky Roadster]

Thanks Bazooka,

 

It just gets frightening to see the amount escalate. They added £155 charges last month.

 

I think I might send a CCA request and see what happens, seeing as they are totally unsympathetic to my position.

 

I wrote to them in June asking for the account to be closed/frozen and a repayment plan set up.

 

Cheers,

[Happyhippy1959]

Rocky,,, live up to the name mate,,, add on £1k a day, it makes no difference mate..... As BB say's,,, you tell em what your going to pay, how much you owe..!!!!! and sod em..... Really, it's time to get tough my old Roadster... Oh and do what I did with Yorkshire Bank,

 

Send them a bill for your admin fee, it works both way's mate... every time you have to answer there petty greedy demands.. They will soon get bored... and sell on to Cabot or some monkey who will then be informed by your good self that you do not owe that amount and this is what the total will be !!! they will hum and hagh but won't go near a court with those outrageous charges on it...

[Bazooka Boo]

A CCA request won't work for an O/D, well not the normal type of CCA request.

 

I'm just about to venture into the unpaid O/D scenario with LTSB who have deducted £5 from my old account which doesn't have an overdraft anymore, so putting me onto an 'unauthorised' O/D situation, completely avoidable by LTSB, but expected, is just goes to show that their has been no manual intervention it is all done by computer, I'll give it a few months before I tell them, hopefully then it will have racked up another £80 or £120 in unenforceable charges...ho hum.

 

So what reply did you have from them in reply to your letter of June?

 

Who did you send it too?

 

Gather up all the evidence you have sent, keep it in a file, this needs to be ramped up a notch.

[Happyhippy1959]

Ditto to Boo,,, Had the same problem... I sent mine to the Managing Director of YB,, they soon got rid of it...... and Marlins have been told £300 less for the illegal charges strange the discount they offered me was,,,,, wait for it,,,, can you guess,,,, CORRECT £300...

 

Beggars belief...

[huggy41]

subbing with intrest

[cerberusalert]

The cretins at NatWest have racked up over £800 in charges with me on a refused Direct Debit which initially put the a/c £4 overdrawn. The irony is it was an unauthorised DD.

 

I look forward to them taking legal action.

[Rocky Roadster]

Hi all,

Thanks for your replies. As I am sure some of you will know, some days/nights it gets to you, and you lose your will to fight, but at least with my friends at CAG I do not feel alone.

 

As Happy Hippy says,sod em.

 

I will continue to write and I think a pound is worth it to send them a CCA request. Let them tell me if it doesn't apply. They should have some sort of agreement.

Perhaps it will get their attention and they will start dealing with me and not just send their standard pay £xxx at once letters.

 

Then SAR them (when I have £10 spare) and go for the charges.

 

They threatened a default notice a month ago, but no sign so far.

 

Attack is the best form of defence, but it is so easy to roll over and give in.

 

Thanks for your support.

 

Cheers,

[panther12]

With the friend I’m helping, natwest continued to add extortionate charges so decided to stop paying what little could afford as it was pointless with them adding double the amount in charges. After a while the charges stop. Send a tenner for a sar and get a list of all the charges applied and deduct it from the amount they claim is owed. In our case the charges came to more than what was owed but I let them off the extra and called it quits. It get’s bounced around from DCA to DCA but at the rate it’s been passed around they’ll soon run out of DCA’s.

[jdes26]

I'm going down that road to

lloyds tsb

there cancelling my overdraft 19 October

od £4k

sent letter to CEO and told them since 2000

3500k charges £9000 in interest od was 9k until 2005 when I reduced to £4k

sar done and asked for all statements from 1986 when account was opened

still waiting for that and wrote letter to customer support to let them no that a counterclaim is being made for all unlawfull charges

it's a case of no more £53 a month interest £12 service fee and £5 a month for unplanned overdraft fee

it's time to say get lost lloyds tsb

[Happyhippy1959]

That's the way Jdes26, Rock take note... !!!!!!!!!!!! Sod em Sod em.. I did exactly what you did SAR YB deducted the charges and any other nefarious amounts I was not happy with and told Marlins to whistle..... as they are only getting £2.00 back and I make it £650 left to pay I won't quibble yet.... Unless the Hippy gets the elixir of life and lives till he's 107 Fat chance they can whistle...

[Rocky Roadster]

May the long time sun shine on you, all love surround you, and the good light, within you, guide your way on. @1965

I won't embarrass myself by singing it.

[huggy41]

do i take it that the postman has been with good news ?

[Rocky Roadster]

Fraid not, just a hippy flashback.

Cheers,

[Happyhippy1959]

Yo Rocky,,, oh for those care-free days bring it on..!!!!!!!!!!!

[Rocky Roadster]

Hi all,

Sent the CCA request letter 3 weeks ago and have had nothing back, except another statement adding £95.

Will send the in dispute letter.

[biggeorge]

Shameful Halifax yet again with charges after charges, they never learn, none of the banks do.

 

If I was you I would open a new bank account and have all income paid into that account from now on, I'd write to Halifax

and explain no further income will be coming into this account until they agree on a sensible arrangement with you in writing.

 

Then just leave the Halifax account to fester and within a few weeks they will listen to you.

 

George

[Rocky Roadster]

Its been 5 months so far with b****r all in the way of understanding or even acceptance of my position. I have abandoned the account and offered to make regular payments to no avail, so I have asked for a CCA and had no response so far. I wish they would listen.

Intractable!

[brokebutnotbeatn]

If you set up a SO to pay what you can afford then should they ever take this further then the ball will be firmly in your court.

[Rocky Roadster]

Hi all,

 

Another statement adding a further £95 has arrived.

 

No CCA forthcoming although they cashed my p.o. on 15/11 so I have posted the dispute letter.

 

Not even had an acknowledgement of my letters so far.

 

 

Grrr

[Bazooka Boo]

Good old shallowfax and their superb customer services.

 

Withhold any further payments to them, keep a record of their unfair charges which you won't be paying, and generally just ignore everything they send from now on until they comply with your legal request.

[Rocky Roadster]

Thanks Bazooka, the ball is in their court!

 

Cheers,

[t_k]

Not sure if its already been said? but set up a basic account with Co-operative for example & just ignore Halifax from now on wards - let the financial ombudsman know once more that they are still up to their same old tricks.

[Bazooka Boo]

It won't go anywhere near a court, no legal team would be so foolish as to advise taking a paying debtor to court.