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Pressuring Halifax to return bank charges
Astraeus
Posts: 370 Forumite
Hi,
Over the past two years I've been studying a postgraduate degree which, as well as paying course fees of almost £20,000, has left me completely out-of-pocket. As a result, I've had about 30 Direct Debits and other payments bounce out of my one Halifax account, as well as two missed credit card payments. I have visited Halifax once to discuss the problem but they wouldn't even give me the time of day to discuss my problem and flatly refused to enter into any talks about extending my overdraft to allow me to pay off the small credit card bill (~£200) which has been hanging over me for a year.
To cut a long story short, I've now had a job offer starting next year on a touch over £25,000 and have received a huge maintenance payment from the company to keep me going through my last year of studies. I now have two cheques worth £7,500 ready to pay into a bank account.
I'm very upset with Halifax as they refused to give me the time of day when I came to them with a problem. They won't pay me back the bank charges or recognise my financial hardship (I was a student living off £50 a month from my parents) so I feel like moving banks - but can going there and offering them these cheques give me leverage to claim back my bank charges or will they still laugh me out of the door?
Thanks for any assistance.
Over the past two years I've been studying a postgraduate degree which, as well as paying course fees of almost £20,000, has left me completely out-of-pocket. As a result, I've had about 30 Direct Debits and other payments bounce out of my one Halifax account, as well as two missed credit card payments. I have visited Halifax once to discuss the problem but they wouldn't even give me the time of day to discuss my problem and flatly refused to enter into any talks about extending my overdraft to allow me to pay off the small credit card bill (~£200) which has been hanging over me for a year.
To cut a long story short, I've now had a job offer starting next year on a touch over £25,000 and have received a huge maintenance payment from the company to keep me going through my last year of studies. I now have two cheques worth £7,500 ready to pay into a bank account.
I'm very upset with Halifax as they refused to give me the time of day when I came to them with a problem. They won't pay me back the bank charges or recognise my financial hardship (I was a student living off £50 a month from my parents) so I feel like moving banks - but can going there and offering them these cheques give me leverage to claim back my bank charges or will they still laugh me out of the door?
Thanks for any assistance.
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Comments
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Go to the citizens advice bureau or other independent agency for free financial advice. Agreements can be set up to make repayments at an affordable rate for you. They may suggest, or tell you how you could consolidate you dept. I dont know how to stop continuing bank charges?? It seems to be a continuing battle. Its back to the CAB, then getting info from this website may help - I hope...0
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Hi,
Over the past two years I've been studying a postgraduate degree which, as well as paying course fees of almost £20,000, has left me completely out-of-pocket. As a result, I've had about 30 Direct Debits and other payments bounce out of my one Halifax account, as well as two missed credit card payments. I have visited Halifax once to discuss the problem but they wouldn't even give me the time of day to discuss my problem and flatly refused to enter into any talks about extending my overdraft to allow me to pay off the small credit card bill (~£200) which has been hanging over me for a year.
To cut a long story short, I've now had a job offer starting next year on a touch over £25,000 and have received a huge maintenance payment from the company to keep me going through my last year of studies. I now have two cheques worth £7,500 ready to pay into a bank account.
I'm very upset with Halifax as they refused to give me the time of day when I came to them with a problem. They won't pay me back the bank charges or recognise my financial hardship (I was a student living off £50 a month from my parents) so I feel like moving banks - but can going there and offering them these cheques give me leverage to claim back my bank charges or will they still laugh me out of the door?
Thanks for any assistance.
Hang, you have £50 to live on a month. Where is the financial hardship?
The cheques gives you no leverage in a claim whatsoever. Have you complained to the bank in writing?
Have you sent them proof of you arrears?
So far, the only thing I see from what you have written(as I cannot assume things you have not written) is that you have credit card charges that you can reclaim.0 -
Sorry, I didn't make myself entirely clear.
The £50 is genuinely "to live off". So, per month, that includes food shopping, rent, and bills when they become due. So, in effect, I struggle to even meet the job of paying for food and am hopelessly in arrears with rent and bills with most of them stacked up on my credit card.0 -
In that case, reclaim the charges asap and credit card charges if you have them.Sorry, I didn't make myself entirely clear.
The £50 is genuinely "to live off". So, per month, that includes food shopping, rent, and bills when they become due. So, in effect, I struggle to even meet the job of paying for food and am hopelessly in arrears with rent and bills with most of them stacked up on my credit card.0
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