Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5480 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

Please

Start your own new thread

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

 

Thanks

Recommended Posts

My daughter has an account with the Halifax and also a loan linked to the same account for standing order payment. She has encountered financial problems and has been unable to service the loan and neither payany monies into the account for several months. She has spoken to the Halifax on several occasions explaining the problem but they keep putting charges onto her account for non payment of standing order and this has now taken her over her agreed o/d limit and nowthey are placing charges for going over that limit. This is despite the fact that she has written to them as well saying that there would be a consolidation of her affairs and the loan wopuld be paid off in full. They will not stop or suspend these ever increaing charges

Link to post
Share on other sites

Hi

 

Used to live in Llandudno - excellent part of the world. :)

 

What is the size of the overdraft ?

Are the charges likely to be more than that figure ?

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

Link to post
Share on other sites

Hi Alan,

The overdraft limit is only £100 but it has already gone up to £290 o/d with charges and non payment of standing order charges. She has told me that the will not stop these charges, but their action makes the problem mount up

Link to post
Share on other sites

Court,

 

Firstly, don't worry, they can't do this.

 

if you haven't done this already, have a quick read through these FAQ's, this will point out the reasoning behind why they can't do this.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

 

 

Then read this post

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=6161

 

Someone in the exact same position as your daughter, but with a far larger overdraft, he was taken to court by the bank and they LOST. Debt wiped out.

 

So, tell your daughter not to worry. We're all in the same position here and will help, it takes a little bit of time, but she will get her money back.

 

Any questions, ask.

 

Dave

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


  • Goldfish - Unable to comment further, have a read


  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

Link to post
Share on other sites

What I would suggest is this:

 

1) Get her to open another basic Bank Account elsewhere.

2) Move her wages/benefit payments to that account ASAP.

3) Set up new SO to service the loan.

4) Start process as outlined in FAQ's to get charges repaid, and notify Halifax that o/d is in dispute pending investigation into unlawful charges.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

Link to post
Share on other sites
  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5480 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

Please

Start your own new thread

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

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...