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Halifax Plc charges reclaim

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Hi there,


I intend to take on Halifax as since the 6th October 2006, I have been charged £678 for various unpaid items due to my wages not being paid on time... Halifax helpfully said that it was my fault I wrote a cheque to pay my bills and were unwilling to help or honour the items... I now have the 'domino effect' of charges and struggling to keep up here!... I even got charged £39.00 for a bounced charge which is plain ridiculous!!!... The latest is two charges of £39.00 each, taking me £65 overdrawn and guess what?... Another £39.00 charge... I phoned the bank to cancel a cheque that was written to pay a bill.. Oh, I can pay £7.50 charge to cancel the cheque, get this though... They can't cancel it due to 'insufficient funds' in my account! :) lol... Hmmm, circles here!!... I try to make sure my account is always in credit to cover the charges... So, when the cheque is finally presented and I am praying not, another £39 charge... Anyone else in this predicament??..

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Hi and welcome to the forum. There are loads of people on here thatb have gone thru the same scenario, now its about time you turned the tables.


Some of this info you will already know, so I apologise if you have already seen some of it.


The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way.


Everyone is very friendly and keen to help.


You must always remember that this MAY lead to court, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off.


Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.


I have put some useful links onto the thread that you can refer to when needed.


Oh, and if they are useful please click on my scales at the bottom. This just shows that I have been a good boy!!


Good luck. See you at the other end……





Letter Templates



Interest Spreadsheet



Court N1 form



Court Bundle



Bank Contact Details


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