We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Help, Claiming from Halifax Credit Card

Harriets_Mum
Harriets_Mum Posts: 88 Forumite
in Reclaim bank & credit card charges
Hi All,

Im a newbie here. I'm a firstime mum to my beautiful girl and struggling as we all are with money. I foolishly opened a credit card with Halifax 6 years ago when I was a student. I have spoken to them several times over the years about helping with payments to no avail. To cut a long story short...

I was being charged £50 a month in charges as £25 late payment and £25 being over my limit. I was over due to charges! The trouble is I closed the account but have still been paying off the minimum payment. But still being charged for being over my limit, even though I have advised them that I am a stay at home mother recieving £72.00 a month child tax credit and £60 something Child benefit. My partners income covers all bills with £50 left afetr food shopping telepohne ect.

Anyhow. Has anyone had experiance of claiming from Halifax? I have had no sucess with them over various things in the past and just need reassurance and guidence.

Any help greatfully appreciated.

Many Thanks,
Jannine
Claimed £1780.33 from Halifax Credit card unfair charges !!:beer:
Claimed:£164.00,£306.00,£236.00,£1593.51!!£2473.88!!£164.00,586.00,753.00 from Natwest PPI
«134

Comments

  • Harriets_Mum
    Harriets_Mum Posts: 88 Forumite
    Oh also who do I send the letters to at Halifax? I would need the address and best contact number please... Many Thanks
    Claimed £1780.33 from Halifax Credit card unfair charges !!:beer:
    Claimed:£164.00,£306.00,£236.00,£1593.51!!£2473.88!!£164.00,586.00,753.00 from Natwest PPI
  • Ex-Spendaholic
    Ex-Spendaholic Posts: 1,766 Forumite
    Hi

    I successfully claimed from Hellifax last month. This is what I did.

    I phoned customer relations and asked for a list of charges - I was advised these would follow within 40 days.

    A few weeks later I received a letter saying they were offering me £200ish as a goodwill gesture.

    As I had never received info on my charges I phoned them to ask what my original charges amounted to.

    I was advised that they amounted to £650. I told the lady I wanted the £650.

    She said she would escalate the claim.

    6 weeks later I got a letter offering the full amount.


    The number for Hellifax Customer Relations is: 0845 1241 362

    Give it a go, you have nothing to lose. The money is yours and you will get it back if you are persistent.
  • Harriets_Mum
    Harriets_Mum Posts: 88 Forumite
    Hi,

    Thanks for that. So rather than sending them the letter with the £10. I should call them and request a copy of all my charges? Do I tell them that I am looking to reclaim?

    Sorry I have never done anything like this before, and have ALWAYS been fobbed off by Halifax. They also charged me £50 for being £9 over my overdraft years ago!! I promtly closed my account, all in all I actully hate Halifax!!!

    Sorry t o be a pain!!
    Jannine
    Claimed £1780.33 from Halifax Credit card unfair charges !!:beer:
    Claimed:£164.00,£306.00,£236.00,£1593.51!!£2473.88!!£164.00,586.00,753.00 from Natwest PPI
  • Ex-Spendaholic
    Ex-Spendaholic Posts: 1,766 Forumite
    Yes just give them a ring. Why send a tenner when you can get it free? No need to tell them you are planning on claiming but they'll know that anyway when you ask for the info.
  • Harriets_Mum
    Harriets_Mum Posts: 88 Forumite
    Well, finally plucked up the courage to call Halifax- would you believe I broke out in a sweat and was shaking! I have had nightmares over money owed to these people, my balance is at £1100+ and my credit limit is £500 all the extra is charges. Anyway they sent me through to complaints and will get a list of charges with-in a week. So will have to see what happens. Will probably be on here again soon asking for advice. Do I ask for the full amount of all of the charges? Not too sure what to do next. Thanks for your help.
    Claimed £1780.33 from Halifax Credit card unfair charges !!:beer:
    Claimed:£164.00,£306.00,£236.00,£1593.51!!£2473.88!!£164.00,586.00,753.00 from Natwest PPI
  • thriftymomma
    thriftymomma Posts: 1,107 Forumite
    Good luck Harriets mum!
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • Ex-Spendaholic
    Ex-Spendaholic Posts: 1,766 Forumite
    Yes ask for the full amount of all the charges. They will come back with some ridiculous offer. When you get that offer ring customer relations and tell them you want the whole lot. They will then "escalate" your claim and you should get a letter within a few weeks offering the full amount.

    Good luck
  • Harriets_Mum
    Harriets_Mum Posts: 88 Forumite
    Hi,

    Well recieved a list of charges...
    £1580 so what interest do I need to add? Do I add interest to that?

    Also what would be the next step please?

    Many Thanks

    Good Luck Thriftymomma too!!
    Claimed £1780.33 from Halifax Credit card unfair charges !!:beer:
    Claimed:£164.00,£306.00,£236.00,£1593.51!!£2473.88!!£164.00,586.00,753.00 from Natwest PPI
  • Harriets_Mum
    Harriets_Mum Posts: 88 Forumite
    Oop's forgot to say do I ring them and ask for the money? Thanks ExSpendaholic for all the guidence!!
    Claimed £1780.33 from Halifax Credit card unfair charges !!:beer:
    Claimed:£164.00,£306.00,£236.00,£1593.51!!£2473.88!!£164.00,586.00,753.00 from Natwest PPI
  • Ex-Spendaholic
    Ex-Spendaholic Posts: 1,766 Forumite
    Use the calculator. Type in each and every charge and it will calculate the interest. Then send letter 1 to customer relations. You'll find the calculator and Letter 1 here:

    http://www.moneysavingexpert.com/reclaim/credit-card-charges
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture