Jump to content

  • Tweets

  • Posts

    • DQ done and will be sent today you guys always advise never to sign anything sent to the DCA as they can do all sorts with it but the DQ will have signature on it ??🙈
    • Have you had any confirmation in writing that they have given you the extra time. I've never heard of a telephone/verbal acknowledgement of service before. The County Courts can be very helpful – but they are also under resourced and very inefficient. I think I would only feel comfortable about this if you had something in writing but even if it was to some email it would still leave me uncertain. The last thing you want is to find that you been promised extra time on the telephone – but this doesn't make it through to the computer system and your client then applies for a judgement in default which you then have to try and set aside. In principle of course you could even apply for a strikeout on the basis that the protocol hadn't been followed but this will require an application notice – probably about 250 quid or maybe a bit more nowadays – and although technically speaking if the pre-action protocol hadn't been followed this should result in an immediate dismissal of the case, if it turned out that the client had sent something and it was lost in the post, for instance, or even if the client then came to have said something, this could cause uncertainty and difficulties. If you were to make that kind of application then frankly it would carry much more weight if it was accompanied by a draft defence and for that you would need to see the claim. Also, if you tried to ask for a dismissal on the basis that the protocol hadn't been followed, this would require a hearing and that could easily take several months to be heard so that you are up in the air. I think you should certainly put it in writing to the County Court that you have been unable to access the claim form. You should do this by email straightaway. I think the best thing to do is to make absolutely sure that the County Court has it in writing that you have received notification of the claim but you can't access the claim, that they have said to you that your verbal acknowledgement is sufficient to gain the extra 14 days – and then when you eventually get the claim form, we can consider the defence and also put in the dismissal/strikeout application at the same time which will cost you no money at all because it will be part of the defence and if you have a cogent basis for resisting the claim then the judge is likely to be supported. Also, just asking for a dismissal of the claim on the basis of no letter of claim leaves it wide open for your client to come back and try again in a more considered and structured and effective way. If a judge dismisses the claim on the basis that they find your defence more compelling, then that is the end of the story for the client. And that is what you really want.  
    • The Department of Justice has until 7 July to make a final decision on whether to prosecute the plane maker.View the full article
    • Gareth Jenkins is giving evidence to the inquiry this week, four days starting from tomorrow. No one else has given evidence for this long. Gareth Jenkins: The Horizon architect under the spotlight WWW.BBC.COM Why the former Fujitsu engineer is such a key figure in the Post Office scandal.  
    • Funding concerns are expected to see Saudi Arabia reduce its giant building schemes.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Halifax closed my Account for using debit card in a sanctioned country

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3111 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Dear All,

i really would appreciate help and advice on how to deal with my situation.


I visited a country on three occasions from last year to date.

On each occasion i notified my bank the dates i was going to be away and the country to which i was visiting

so that the Halifax knows exactly which country i would be visiting and how long i would be away.



On each occasion of my travel i phoned and advised Halifax but more than that,

i specifically asked them if it would be possible for me to use my debit card in that country.



On each occasion, the Halifax said there was no problem and i could use my debit card there.



On the last occasion i met with my account manager on 18 Nov and explained quite specifically that i shall be visiting this country

and shall definitely be using my debit card there.

he told me that there was absolutely no problem.


Whilst i was away on 08 Dec. my account was closed by the Halifax

I found this out by chance because someone gave me some money which my partner tried to pay into my account.



She was unable to credit my account

when she asked the bank, she was told that my account was closed down because i used my debit card in a sanctioned country.


As soon as i learnt of this, i phoned Halifax and spoke with a manager there.

I explained my situation and explained that i have to pay a hotel bill and i needed to use my debit card.



I explained that i advised the Halifax etc. but the key thing was i needed to pay my hotel bill.

The manager said he will see what he can do and will call me back.

He never kept his promise.


I had to settle the bill in cash which my relatives in the country lent me.

Had i not been able to pay the hotel bill i would be in prison now.

This country is pretty strict.


I had banked with the Halifax for 20 years.

I have not defaulted on my account.

rarely do i go over my credit limit.


i returned to UK over the weekend.

i have no idea what to do.



Will some one please advise me.?


What can I do?


How can i get my account re-instated?


How do i claim compensation against the Halifax?


this is rather urgent because, i now have no bank account. (I am trying to see if i can open an account with another bank)

but these things take time.

Already, my standing orders are effected.


please advise me on what i can do

thank you


Link to post
Share on other sites

It is difficult to advise without knowing more details but I suspect it is an Islamic country that is classed as being one involved in possibly funding terrorists or at least have people there who do so.

The banks do, to a certain extent have their hands tied by the state, although as I said it is difficult to advise without greater detail.

Countries that I know are in the news are Oman, Saudi Arabia, Syria obviously .


I hope you get it sorted

Any opinion I give is from personal experience .

Link to post
Share on other sites

Hi fletch70

thank you for your message.

The country in question is Myanmar - used to be called Burma.

I am in fact, Burmese but have lived in UK for over 30 years.

i have had my account with the Halifax for over 20 years

my point is i notified the Halifax that

a. i was visiting Myanmar

b. i gave explicit dates for my stay there

c. asked if it were OK to use my debit card there

to which i was told everything was OK, i could use my debt card there.

thats the thing.


I am now trying to find out more information from the Halifax - which is really hard as they are not telling me anything.

i am going to have to ask for a subject access request and hope they provide a reason

i am hoping that some one on CAG may be able to advise me on what steps i can take.


thank you


Edited by wrecked
Link to post
Share on other sites


I am sorry if I sounded accusative, not my intention. I do know that the banks are frequently tied by regulation but I also suspect that when something falls into a grey area they err on the side of caution so as not to have to justify themselves to the authorities .


I am sorry I can not be of more help and hope you get it sorted

Any opinion I give is from personal experience .

Link to post
Share on other sites

Hi fletch70

Thank you for your message. its perfectly fine. i did not take offence at all.

I am meeting with my branch tomorrow but they claim they do not know why my account was closed as it was a "central decision"

I am serving them with a SAR and hopefully i will learn something some time in the future. But for the short term it would appear

there is absolutely nothing i can do.

thank you


Link to post
Share on other sites


well i went to see the Halifax and they were most UNHELPFUL. its like i have leprosy,

their Head office emailed the branch saying

a. they are not giving any reasons for closing my accounts

b. they gave a 60 day notice in october (which i did not receive)

c. i will never get my accounts back again

d. but i can appeal and they may consider my appeal but i must declare

1. what i want to use the account for

2. substantiate any receipts and payments

and if they are happy with my explanations and appeal they may open new account for me.


i have always conducted my banking with care and respect. But i have never been rich and the cash flow hs never been tens of thousands

but the money trickle in and trickle out like any body elses account.


a few years ago, i suffered a serious break down and had issues - when i joined CAG and i was able to sort these out with the help of various members of the CAG

and in the last year or so, things had improved for me and i was actually getting a small income from a couple of companies and these have been paid directly into my account.

I also employed a couple of Indian contractors and paid them out of my account. but its nothing major. Perhaps thats the issue???


is there any help and advice any one from CG can give me as to what action i can now take with the Halifax. ?

or should i just forget about it?


I am trying to open another bank account but its not so easy as i do not have a brilliant credit history. i have already been turned down by a bank.


thank you


Link to post
Share on other sites



oh - i forgot to mention that when i asked the young manager if i may have a copy of the text of the email(which he had printed out in front of him on a blank piece of paper)

he went and asked the branch manager and my request as denied. he wrote down 3 points from the email text for me on a blank piece of paper.


i am going to submit a Subject Access Request and see what i can find out from this.


thank you


Link to post
Share on other sites

Pretty much all banks will allow you to open a basic bank account with DD and debit card facilities. Nationwide is probably one of the better ones to approach.


Check your credit file for anything spurious, fraud markers or such like. im not suggesting you have done anything wrong but will influence a banks decision.


maybe also send a SAR to halifax and see what comes back



Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Most accounts can be applied for online so its not so much an issue where the branches are anymore unless you like using a branch.


i have a santander and a halifax acc, santander is nowhere near me but i can use the post office counter if i need to



Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Hi Martin,

thanks so much for your message. i have applied to Santander and my application was rejected as there is not much history and i am not on the electoral register

this is why its not so easy for me to open an account. I have appealed this on the basis that they made a mistake with my address - they took the address of the company i work for.

I also told them that i can show them copies of 3 months statements from Halifax account if required and i am told that they will let me know on Tuesday.


In the meantime, i am trying the post office.


I shall deal with Halifax after receipt of their reply to my SAR


thank you again


Link to post
Share on other sites

Get yrself added to the register where you live now



Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...