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Bank Charges halifax - can i claim hardship?


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I have an overdraft with my bank which I sometimes go into, but never over, neither have I ever had them write to me about my account.

 

I applied to them six months ago about the charges for the overdraft, and they agreed to freeze them for 6 months (which they did) this has now just ended.

 

The fees they charge are a large percentage of my benefit, when you only have £101 a week to live on.

The bank know the score, this was all explained to them when they froze the fees.

 

Is it worth me writing to them and explaining this all again.

How can they keep penalising a person for just surviving.

 

The bank is Halifax, I do not want to change banks, because they also have my mortgage, and the overdraft is a life line at times.

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if they are taking charges from benefits

then they shouldn't be

 

thts for you to live on!!

 

you might find BCOBS

 

and this thread useful

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414497-Success-with-Satans-bank-using-BCOBS

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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Hi Lily_Monroe

 

Scroll down Hardship (1.) - http://www.moneysavingexpert.com/reclaim/bank-charges

 

The key is to personalize it, don't use templateslink3.gif.

 

 

Thanks, will do as you said, I am working on the letter over the weekend ready to go Monday I will send it signed for then I know they have got it.

 

Much appreciated.

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There are some sample letters in that link, did you find them.

 

Thanks, will do as you said, I am working on the letter over the weekend ready to go Monday I will send it signed for then I know they have got it.

 

Much appreciated.

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