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This week I had a letter from the Halifax advising me that they were reducing my faciity from

£1750 to £250., because " I have not been using it" I have been with them for over 40 years.


The facility enables me to make "emergency payments or holiday deposits".

On average my account is £300 in credit

My pensions of about £900 pm is paid in directly

I have not been overdrawn for at least 15 Years

My credit rating is very good

The account is topped up when required from my Natwest account, which receives my returns from investments.

My overall credit limit with Barclaycard and RBS CREDIT cards £10.000.00, and when used always paid monthly in full.


When I rang to complain, they agreed to uplift it to £1000 Max. I have written back to Halifax and told them I am agreived and to reconsider the decision, I have always been satisfied with them, but I may have to break this relationship of over 40 years.

I await a reply


Any comments or advice please?

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third one of recent times exactly the same about Halifax

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This post echoes all the sentiments I felt and have also complained about the tone of the letter, the time spent being held on the phone and lack of respect for someone who has banked with the Halifax for 20 years

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