Can i ask for my bank to pay off a loan with bank charges?

potlessdaz
potlessdaz Posts: 7 Forumite
in Reclaim bank & credit card charges
Hello all, just wanted to know if anyone can help on this one. I have a loan with Halifax which at the moment stands at 4,666 owing and i have a claim for unfair bank charges which is 4,063 plus interest. Now if i wrote to Halifax and ask them to use the money they owe me to pay off what i owe them would that be accepted as an end to my claim?
I to have gone down the hardship road,with no response at all from the bank, and now want to try a different angle. In these uncertain days it would be great to save myself a bit of money each month, rather than give it to a bank that is treating me unfairly.
Thank you all for reading and i hope you can help ;)

Comments

  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    potlessdaz wrote: »
    Hello all, just wanted to know if anyone can help on this one. I have a loan with Halifax which at the moment stands at 4,666 owing and i have a claim for unfair bank charges which is 4,063 plus interest. Now if i wrote to Halifax and ask them to use the money they owe me to pay off what i owe them would that be accepted as an end to my claim?
    I to have gone down the hardship road,with no response at all from the bank, and now want to try a different angle. In these uncertain days it would be great to save myself a bit of money each month, rather than give it to a bank that is treating me unfairly.
    Thank you all for reading and i hope you can help ;)
    I don;t think you can but I would like to know how they respond to it. Was the loan with PPI?
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • potlessdaz
    potlessdaz Posts: 7 Forumite
    unfortunately i do not have ppi, so i can't screw them for more.
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    potlessdaz wrote: »
    unfortunately i do not have ppi, so i can't screw them for more.
    PMSL.......
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • potlessdaz
    potlessdaz Posts: 7 Forumite
    really sorry for sounding rude and stupid, but what does PMSL mean?
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    potlessdaz wrote: »
    really sorry for sounding rude and stupid, but what does PMSL mean?

    Don't worry the MSL is "myself laughing". The P is possibly obvious but is something that you go to the toilet to do.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • potlessdaz
    potlessdaz Posts: 7 Forumite
    Oh well now i feel stupid, thank you.
This discussion has been closed.
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