Has halifax broke rules registering this default

[h0tsh0t87]

Hi

 

I have had my halifax account for 13 years.

Its a cash card account with no credit facilities available on this type of account.

 

I did a direct debit charge back for £1167 which the bank refunded

but then took back and sent to merchant which left my account -£1167 .

I never noticed this and they closed my account and placed a default on my account .

 

When checking default I found that they registered it at my old address and sent all letters to that address .

 

I complained and they admitted the mistake and gave a £50 goodwill gesture and said they would remove default if I pay within 30days ,

I said that I would pay but would need 6 months which they refused and said 30days or default stays

 

surely they must have broke some guidelines here

[p3t3r]

hi,

can you explain more about the chargeback? such as, why did you request it and what reason the bank took it back from you?

 

if you explain giving more information, then its likely others will be able to help you out more

[h0tsh0t87]

The charge back was for a item of furnature bought that was damaged

shop refused to refund money

 

I put a dispute in with the bank who refunded the money until they investigated

but then said shop was in the right and released payment .

 

the default on account is registered at wrong address ,

they admitted they sent it to old address from 2years ago and were at fault,

and there was never a credit agreement for the account in believe as it was very basic .

 

They also agreed to remove default but only gave 30days

[dx100uk]

I'd be more interested in why the bank sided with the trader

 

 

something smells here

 

 

did you get anyone else involved like trading standards

 

 

tell us the full story and who was the retailer

 

 

dx