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Halifax declined my bank charges

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I need help!

I wrote to Halifax asking for my a breakdown on my bank charges on 2 of my accounts. They sent me statements only relating to one of my accounts, and have been told that as my other account is now closed they are not willing to send them !!

I sent them a letter detailing the amount i am reclaiming which is about 2200, they have sent a letter back basically declining my letter as they think the charges are fair blah blah blah.

So wat now? If i go to a small claims court in Glasgow, will i be able to go for compensation for distress. Everyday between april and june 06 it used to be a race between me and the bank manager. I am a single parent, and rely on tax credits and CSA money. I had a 1300 overdraft, and as i wasnt using that account they decided to not renew it so i was in an non authorised overdraft. I had all my money paid into another account, and Halifax used to go into that account and take wat they wanted. In 3 days they had taken 900 out of my cardcash account and put it in my O/D account and left me with 4 pence. I used to receice 16 missed calls from them a day, and when i did pluck the courage up to spk with them, they asked me when i was able to pay the rest off. I explained to them about my circumstances, but they wasnt interested. I asked them how i am sposed to live on 4 pence and they replied " cant you borrow of your friends" i was outraged.

So every motning i would race to the bank and try and get my money out b4 they got it. By me doing this all my direct debits and cheques were not being honered and so accrued more and more bank charges. I cannot believ they are allowed to do that are they? delve into my account and transfer money without asking me? U cannot believe the stress i was under. In the end i opened up another account with the Abbey, and halifax closed my account. That is the one with most of the charges and they wont send me statements. Do i have a good case?

So wat do i do now with the charges on my overdraft account where do i start. Like i said they have said no their not paying.

Hope you can help me

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hi miss annoyed,


take a look here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html


this a step by step guide of the process to folwo for claiming charges, it has links in it to other information you will need , all of which can be found in the templated library.



start with sending the a formal Subject access request under the data protection act requesting information on all charges etc , list both account numbers and send £10. They are legally obliged to provide this within 40 days, even on closed accounts.


whe you now all of your charges you send a preliminary request for repayment, and after 14 days if still no joy then you send a letter before action. If after 14 days you still have no refund then you start the legal action.


its all in the step by step guide



good luck

:D Actions in progress

Natw West on hold pending test case

LLoyds claim 3 on hold pending test case,


:lol:Claims Settled




GE Money x 2 WON , c

o-op visa WON, capital one visa WON,

Halifax (o/h) WON,

capquest, WON

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Welcome to the site.

Its illegal to take charges from benefits and you should tell them so.

Have a look at my thread in the debt forum stickies titled "is the bank taking your benefits "

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Hi Miss annoyed, appropriate name in the circumstances. And an unfortunate but not uncommon situation.


Follow all of the advice in the above posts and especially on the link given.


Next step is to start your own thread over on the hbos forum. Introduce yourself there and lots of good folk with experience will help you through this, and help you get all of your charges back. Don't settle for less than 100%.


Good luck.

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.


Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-




Register with CAG today, its free, its a great community:



[email protected].




Thankyou Kennythecelt:)

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Ring Halifax on the number that is on the top of the letter that they have sent to you and ask them to 're-evaluate your case'. They are sending these letters to most claims a) to put people off and b) because they need to respond in a certain length of time and the easiest way to do this is just to send a standard no letter. They will then tell you that will take 6-8 weeks. Guess it is then up to you whether you want to accept that timescale or not, but they tend to come back with an offer that you can then negociate with them from within that time.:)

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Thanx to you all for your help, I am utterly p%%ed off with them, how they can just go into my account and take wat they want is unbelievable. Would i be able to go for compensation for distress and worry. They left me with 4pence in my account and i have 2 boys aged 10 and 8. This isnt the 1st time they have done that. As soon as i had money put in from the CSA of family credit they transferred it, and best of all when yjey cottoned on to wat i was doing ie: racing to the bank b4 they could get it, the sneaky bastards froze my account so i couldnt get access to it. Is that allowed ?

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