halifax are useless

slim1982

i ant had no charges back wat so ever

natweststaffmember

But to close the account Halifax would have to have refunded something to close the account as it was in a negative balance, is that right?

slim1982

thinking back now ye they did does they make a difference i think it was only something like one or two charges overdrawn

natweststaffmember

slim1982 wrote: »

thinking back now ye they did does they make a difference i think it was only something like one or two charges overdrawn

Ok, I agree with halifax re hardship because the account is closed. However, they have acknowledged the claim. Financial Hardship claims are specific to accounts that are live now. Previous closed accounts would not have the same issues as they are not the account that you use TODAY. Had it been the case then yes 100% i would take it further.

slim1982

so can i claim after the test case

natweststaffmember

slim1982 wrote: »

so can i claim after the test case

yes, 100% and the statute of limitations ie 6 years does not kick in as that is part(or rather have a negative effect on the claim) of the FSA Waiver on Bank Charges.

slim1982

thanks alot for all advice

slim1982

hi i made a claim with halifax under financial hardship they av put my case on hold cos the account is closed i have now asked the fos to look into it for me has anyone every won there case by doing it this way

natweststaffmember

slim1982 wrote: »

hi i made a claim with halifax under financial hardship they av put my case on hold cos the account is closed i have now asked the fos to look into it for me has anyone every won there case by doing it this way

I would surprised if they overturned the original decision but would be interested nonetheless in what they say. Good luck.

slim1982

when i phoned the fos and tell them wat had happened they said it does nt make a differnce whether the account is closed or not as long as i can prove i was in hardship when the charges where made is this right