halifax bank charges (merged)

the cag forums show many, many people have

I would try ringing them, and trying to get the charges for the one for going over your od llimit becasue of their charges.

They do see to cave easier if you talk to them in person and try not to get annoyed with them. just explain that its their charges that put you over and therefore could you have that charge recinded.

my son recently did this with NAt West and had his recinded, and I've done it with the halfax as has my oh so it is better in the phone.


also there a limit they can charge you in any one month, which I thought was £75 you might like to check this as it may have been altered.

ask why they allowed the transactions to go through if you didnt have the money available and that you thought that that was the way chip and pin was supposed to work. - ie you cant go over becasue it gets refused.. its worth a try.

good luck

pudds

Hi

I Claimed back over £1500 in charges from the Halifax. Like you I rang and asked them for about £150 they had taken in 3 days. They almost (but not quite) told me to get stuffed.

I followed the link on here that Martin had given to the Consumer Action Group website and have not looked back.

I decided if I was going to do it I would go back 6 years and get those charges as well.
Halifax give in really easily once court papers have been served, an easy one to start with. One of the more difficult ones is Barclays they fight to the death sometimes settling the day before court.

I have had Mortgage charges back from Birmingham Midshires and will be sending them court papers for an Early Redemption Penalty shortly.
I have also had (unjust) defaults removed from my credit file in 9 days.

All I can say is go for it. The feeling of empowerment is wonderful. Good luck Lizzy

Hi everyone, I'm new on here so I will have to start from the beginning with my "debt" story

A few months ago I split up from my partner and we both moved back in with our parents and have put our house up for sale. Since we split, we have been going thru really bad financial difficulties. To the point where we can't pay bills and creditors. Some things I have been sending payments for each month, others we cannot afford to send them anything.:o

Anyway, I started to come on here a couple of months ago just having a read really about everyone elses issues and came across the "Claim back your Bank charges" thread. This got me really interested as our joint account is seriously overdrawn cos of all charges we have incurred from the Halifax. Since May 2006 we have been charged £1,500. God knows what we've been charged since the account was opened. :eek:

A couple of weeks ago, I wrote a complaint letter to the Halifax about these charges, and about the fact they had transferred money from my ex's Halifax A/C into the overdrawn A/C, and transferred another amount to the credit card. They did this without our knowledge, and becuase of that, this months mortagage payment wasn't paid. So, I wrote a letter and received a reply within a couple of days. I was so angry as none of my issues had been addressed and I was sent a simple crap standard letter. So I replied telling him how i felt about his reply and I'm now just waiting for a response. I contacted the Ombudsmand first to get advice.

I am now going to request a full list of charges that the account has incurred since being opened in 2003. I'm going to send this off tomorrow with the £10 fee.

I hope I get your support on this?!! I need it!! I'm not one for writing complaint letters, and I'm a bit worried about claiming back my charges, but the Halifax have gone too far, and they know my situation, so they can't turn around and say I never contacted them :mad:

Oh, nice one, I'll look out for that! :cool: