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Hi all, Just got my new card through from Halifax along with their little terms and conditions leaflet and I just noticed the fact that in their list of charges there is something very interesting.

 

the list of charges states that for an unpaid item i.e Returned cheques, direct debits or standing orders the charge is £39..... That is of course unless you are a student whereby you are only charged £20 for the exact same thing!!!!!!!!

 

So which is it HBOS??? Are we to believe that you actually make a loss when a student misses a DD payment?

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Any views

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Share on other sites

Hi Tezviper

 

I think this has been the practice for a long time now.

I agree it does seem unfair to say the least, but then perhaps their way of thinking is that if they charge the students less that there are other ways to make their LOSSES up.

Namely from us the mugs they are stinging everyday with their extortionate charges.

 

Lets hope its not for much longer though.

Then the dogs shall have their day.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Yea its just something I had never noticed before. Surely if the charge was reflective of the cost then it would cost the same for students!

 

Not to worry, will be down to a max of £5 before long.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

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