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Halifax - Partial Payment on Credit File
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akashi
Posts: 93 Forumite
Hi,
In 2005, I was charged £25.00 twice for going over my limits on a Halifax current account. I told them I was not going to pay this. Later in September 2005 they closed the account and have marked my credit file as settled.
On my Equifax report it reads:
Customer Account Status: PARTIAL SETTLEMENT
Explanation: Payment received as a full and final settlement although the payment would not fully clear the balance.
Now my question is people are claiming back bank charges, however I have not paid the £50.00 in the first place! How do I go about getting this report removed? If they refuse to remove the report, should I ask for the charges back?!?
Any inputs would be greatly appreciated.
In 2005, I was charged £25.00 twice for going over my limits on a Halifax current account. I told them I was not going to pay this. Later in September 2005 they closed the account and have marked my credit file as settled.
On my Equifax report it reads:
Customer Account Status: PARTIAL SETTLEMENT
Explanation: Payment received as a full and final settlement although the payment would not fully clear the balance.
Now my question is people are claiming back bank charges, however I have not paid the £50.00 in the first place! How do I go about getting this report removed? If they refuse to remove the report, should I ask for the charges back?!?
Any inputs would be greatly appreciated.
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Be responsible with your money and avoid the misery
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Be responsible with your money and avoid the misery
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0
Comments
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Hoping someone can give me a little help here
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Be responsible with your money and avoid the misery
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