Letter From Halifax

Holes_in_my_pocket

I been bankrupy 10 days now and halifax sent a letter today that the company policy is not to allow bankrupts.

I think i wil write back with my policy to banks that arent bankrupt friendly .

I have a 2 co op account and just openned a saving account they will have any of my business in the future


intend to start share dealing again will open acount with them...

halifax swivel even though in 10 years of having account never owed them a penny

yellowmonkey

Had the same letter from them.

Even though they have closed my accounts they are still adding charges at the rate of £100 per month onto the account. Nearly £400 to date .

Perhaps they think I am still going to pay :rolleyes:

Shame it was included in my BR and they wont be getting me to pay any of their charges

ym

powell16

hi

yes i had the same, they search the london gazette, identifying us all, they must get such pleasure!!!!!
they even sent me a cheque out for the 50p i had left in my account, i intend to bank it as well x

k2nga

Funny that they dont allow bankrupts as they would have been themselfs if us tax payers did not bail them out.

Holes_in_my_pocket

cost 5 times more to get new customers in business think they would prefer to keep you co op and barclay will eventualy make money out of us ie insurance saving etc.

fiveyearplan

I had the same letter too however it didn't take them 10 days to send it to me - I got it 2 working days after BR.

dvs

I think this old school banking mentality. With 1 in 400 people expected to go bankrupt this year, banks should reconsider their attitude towards bankrupts. We have no debts and pose a lower risk than many who supposedly can manage their finances. Restrictions that the law and banks put in place mean that we are unlikely to get in debt in the immediate future.

Lost2

Do they not realise all the business there loosing out on

mypiggybankisempty

I had exactly the same letter I went bankrupt in December and 10 days later I received their letter stating their policy regarding bankrupts. I had been with them for over 18 years and my current account had never an overdraft on it or had been overdrawn but on the advise whilst I was on a DMP with the CCCS I did open a second account with the CO-OP.

I did have a credit card with The Halifax with £11,000 worth of debt at the date of Bankruptcy and 30% of that balance was charges, late fees interest etc which was still being added 3 years after on a DMP.

A month after my bankruptcy I got a bankers draft in the post from the Halifax with the grand total of £2.78 which was in the account when they closed it I was so annoyed at the condescending letter they sent (and given the fact that the OR stated they had no interest in the accout) I went into the branch and demanded that they pay me this money from the till there and then as I had no desire to pay this cheque into my new account and before the bank starts taking this attitude to its customers it should look at its own business model and pointed out if they had not been bailed out by the tax payers their bankruptcy petition would be far greater and have a far greater impact on peoples lives than any individual bankrupt. To which they reluctantly paid me the money there and then.

I totally agree with K2NGA and the fact that they would have been bankrupt if it was not for the tax payer handouts.

The Halifax out of all the banks who were helped out with tax payers money were the biggest offenders.

fiveyearplan

My OH and I opened a joint basic account with Halifax a few months before my BR. For some reason when I was looking at the bankruptcy bank account sticky I thought Halifax were on there which is why we opened the account. We used the account for a few months and it had about £5.00 when I went BR. They were quick to write to me after my BR! Anyway I was discharged in April this year and I took my OH's card to the ATM (he is not bankrupt) and the machine swallowed the card.

Funnily enough before my bankruptcy I was going to have my name removed from the account and we got the forms through and the forms stated you could not close account if you were going BR???

Holes_in_my_pocket

Pure maddness