Success with HALIFAX today but one question?

LinziLou_2

Hiya,

I've just recieved an offer from halifax for £504 for my bank charges. I only asked for £330.

There letter states that the money will be firstly used to bring it within its o/d limits n then the rest credited to my current account. I was wondering seeing as my account balance is £917 overdran and my over draft is only £850 does that mean that they will pay the difference between these two amounts and i will be able to still use the rest of money?

Thank you

catmiaow

Wow when did you apply as i applied in August under hardship and i am still waiting.

Your very lucky. I would ring them and ask but i think they will pay the money in your account which will bring it back within its limits and you can still spend it, up to £850

LinziLou_2

Hiyaaaa,

Well i sent my first claim initially around may-june time this year, then i read on here ppl were getting offers if in financial hardship so i re submmited it under financial hardship i sent it recorded delivery to my local branch on the 8th october and today i got a letter from them offering me £504. I didnt have to ring up or chse it or anything. I think they payed up because my account was over the limit.

siren13577

Congratulations to everyone with the successes, do you think it matters if I first put a claim in last year and it was knocked back? I could do with claiming the charges back under hardship, how do they judge hardship? It's under £400 but I could really do with it, as I'm getting married next year. Also did you charge interest or was it just bank charges? Thanks and once again congratulations.

LinziLou_2

Hiya,

I resubmitted my claim under hardship on the advice of a lady at their customer service department!

My account was over its o/d limit by about 60 pound so im not sure if that has anything to do with it.

catmiaow

I submitted my claim under hardship at end of august, they said they received mid sept and heard nothing. very frustrating..

LinziLou_2

Could you maybe re-submit them?? Or have u tried ringing them cus for me its honestly taken less then 3 weeks to get an offer and i havent had to ring them or anything.

I sent my form off today to accept the offer so now have to wait and see how long it takes to get the money xxx

fairy_magik

i tried this but was asked to fill in a form with all my income, bills, mortgage etc, to be fair i do not feel this is any of the Banks business, did you have to do this?

nickmack

fairy_magik wrote: »

i tried this but was asked to fill in a form with all my income, bills, mortgage etc, to be fair i do not feel this is any of the Banks business, did you have to do this?

Yes, they need to assess whether you meet the hardship criteria.

catmiaow

I have rang them about 10 tens if not more since i first applied. I no they definitely got my forms at least 5 weeks ago, I think they got my first form which was sent in august but they said they didn't get it.
Sorry but i am rather cross that you applied after me yet you get an offer before me.

GinG_2

Congrats on getting some money back.

I appealed what seems an etirnity ago, got a reply saying that it has been put on hold due to appeals in court.

Am I to re-apply or would it be worth just hanging on?

Thanks