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I'll be as short as I can..

Got a letter from the Halifax, saying DD has been refused due to insufficient funds (this is a bank account I never use, has still opening balance of £10).

£450.27 has been setup by external company.

I call Halifax they straight away waver the charge and say they will pass it to the fraud team. They then call company and say there number is dead! I ask for the number. On calling the company they look into the Batch/Ref number and come back to me saying, customer gave 2 number's round the wrong way on sort code and that my account number was the same, but there name is different to mine, this should have been checked by the Halifax, but they put the DD through on my account.

Ok in the long run I have not lost out, due to no funds in account, but what is worrying is if I did have enough in the account.

My Q to you is that this has wasted alot of time and money with chasing this up, do I have a case for compensation from the Halifax for there grave mistake?

Thanks for your time.


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You can ask, but there's no obligation to compensate you - most banks won't compensate even when it is entirely their fault!


Probably one of those cases where the Ombudsman may help.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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