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Hie, Halifax and RBS claiming in process


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Hello, I'm new here thought I would come and share my story. I had a Regular Savings account with Halifax and because of a slight mishap one month missed my Direct Debit. I was charged £30 after 7 days and thought that was the end of it and although it hurt (after all the whole point of opening a Savings A/C is to make a little bit of interest rather than losing out) I had no intentions of pursuing this. Mind you this was the 1st time I'd incurred a charge with this bank in 6 years so I didn't know how it works. By the end of the month I'd worked out exactly how much money was supposed to go out for my rent and bills which I also pay by Direct Debit leaving only a surplus of 10p. I was therefore shocked upon checking my account on the internet on the 3rd and finding I was in the red! I was sure there must be a mistake. Immediately I went to my branch to find out and one staff member said yes that's our policy the £30 was for failed Direct Debit and the £28 was for unauthorized overdraft! To say I was livid is an understatement but there was more to come. The £28 they'd taken was supposed to be Direct Debit for my Credit Card bill, so for that I was charged £12 for late payment and £12 for failed Direct Debit. Lastly I was charged £39 for being in the red! Seriously! in the end I was charged a total of £121! I know it's not a lot compared to what other people have been charged but the Savings A/C which started all this was going to get me an interest of £91 at the end of the year, hardly worth it. Anyway the good thing is I'm now pursuing them to give me back every penny, I sent the 1st letter which they ignored and sent the Letter Before Action which they replied to immediately saying they have now sent my case to complaints department.


The story doesn't end here though. When the said Savings A/C reached it's anniversary they paid the money into a closed account, their mistake not mine. I checked on the internet hoping to find my lumpsum in the nominated A/C only to find £0.00 and the Savings A/C itself also said £0.00, I was confused so I couldn't wait for 9am Monday to give them a call. When I did I kept being bumped off from one person to another, They couldn't trace my money! I had to call 3 times that day only to be told they will only be able to find out where the money had been transferred to the next day. I told the lady that I was not happy because I couldn't meet my commitments and it was going to cost me in charges (which really was not true but I had to give them a taste of their medicine). So I made an official complaint about it and after 3 weeks I recieved a call from a Customer Relations Manager telling me he could only apologize to which I said sorry's not going to cut it you charged me for late payment I'm also charging you for late payment. He offered me £20 I turned him down, up to £25 again I said no and his final offer was £50 which I accepted but I'm yet to see it in my account (this was on 23 Feb), I'll give them a week before I start nagging again.

I'm worried though how this might affect my claim for my £121, but I believe they are 2 different matters albeit steming from the one account, we'll see how it goes.


Have sent SAR to RBS for an account which I closed 4 years ago in a fit of rage when they charged me approximately £200 for keeping 20p in my Student A/C. Apparently I had to keep a minimum of £5. It's all in the small print they said when I went to inquire about the ridiculous charges.


I have to apologize for this long post (possibly too long) but I figured since the space keeps stretching I might as well spill my guts and this being my 1st post as well. :-)

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Guest louis wu

Hi squirrel


The fact that you have already negotiated a 'goodwill/compensation' payment will not effect the process of claiming back your charges, if anything, it shows that they dont want you to even consider it, because the answer you would have got a couple of years ago is 'sod off'


You have already sent a SARs to RBS, and am I correct in assuming that you have all the Halifax statements? The reason I ask is because people often forget about charges that happened long ago, and it is worth going back as far as possible to check if any others have been snuck in (having said that, you do sound very organised, so I suspect you have)


What I suggest you do is have a good look around this site, and read all the FAQ's. The look at the relevent forums, Halifax and RBS, and begin your own threads there.


The process is not complicated inso far as it has been simplified for us by the founders of this site. What I do recommend, however, is that you understand the process you are embarking on, and know the reason for everything that you do, and what results you expect from those actions.


Not designed as a lecture, but have seen too many silly mistakes made by people because they just send letter after letter without knowing why, and then realise months later that something crucial has been omited, which is potentially a very costly error.


Make a couple of files, get all your info into date order, keep all future correspondence (apologies if you already do) as this will save you a lot of time and effoert later and send everything recorded delivery.


Hope this help a little bit.


Well done for starting the ball rolling, and good luck


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hi am nottsman i have just sent my letter off week ago saying i wanted my over payments back off halifax and they reply saying that complaint rules state that thay have 8 weeks to investigate our claims but if thay are unable to sort in 4 weeks they will write back does this sound correct and also are friend won his case with nationwide last week he got a letter this week telling him he must leave there bank in 30 dys can they do this


look here to see how i won my claim


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Guest louis wu



In order to be succesful in this process, it is important to know a what you are doing. Firstly, read the FAQ's, this is essential. Then have a read in the Halifax forum, you will find similar situations documented by many others.


Once you have a clear understanding of the process, then start your claim. Without knowing what the purpose of the letters are, and why you are sending them, you will be open to all the banks efforts at stalling you and discouraging you from persuing your claim. Believe me, it can become very intimidating, but with the knowledge you will get here you will be fine.


Best of luck (and read the FAQ's)

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louis wu,

Thanks, far from taking your advice as a lecture I will take it as confirmation that I've got everything at par. I did a lot of reading for about a month now and fortunately I've got all my Halifax statements so I don't have to spend another £10 for SAR with them just the RBS ones I haven't got.



In addition to what louis has said, firstly I'd like to reiterate that getting a good grasp of the whole process before hand is important and you can do that by snooping around this very helpful site.

Secondly I was told also by the Halifax complaints department that they have maximum 8 weeks to deal with a case so I guess that's true. As for closing accounts many banks have been/ are closing accounts once you start "causing trouble" however I just read an article on this site that A&L were charged by the FOS for "retaliatory account closure" hopefully this will be like a lesson to all other banks I certainly plan on throwing this in the mix if Halifax choose to intimidate me for exercising my right to complain.


Good luck with your claim I'm off to the respective bank forums, hope to see you at the Halifax one.

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