slow off the mark but.............

everythingshouldbefree

Could someone give me a basic rundown off my banks(halifax)reaction if i tried to reclaim my charges.Im selfemployed and its been a slow start to the year which has seen me rack up £200ish in charges last month and already up to roughly the same this month thanks to a letter today telling me about 3 £35 charges in one day:mad: .i have a £1000 overdraft and about a £7000 loan.I have a good relationship with them(apart from the charges)wherein i can get loans upto about £8000 without them having to see my books or anything.For example would they want the overdraft and the loan paying off and/or my account closing.

everythingshouldbefree

anyone......anyone at all.......hello:huh:

natweststaffmember

THey can say YES or they can say No or they can say Maybe.
There is no definitive way of knowing but you might as well start the process.

everythingshouldbefree

thanks natweststaffmember,ive heard some tales of the banks being awkward with people who have had their charges refunded and was wondering if its common or just a few cases

slim1982

halifax are a nightmare to claim from but good luck !!!!!!!!

natweststaffmember

everythingshouldbefree wrote: »

thanks natweststaffmember,ive heard some tales of the banks being awkward with people who have had their charges refunded and was wondering if its common or just a few cases

starting is claim is not an problem. The issue sometimes is about hardship and what makes up a hardship case. At the end of the day, that may be the difficult thing as it is normally based on extreme hardship ie mortgage/rent arrears, utilities arrears, that kind of stuff.