Help Needed

Rodhfc

I recently opend a new Ultimate reward account with halifax as i turned 18 as they kept sending me letters to say i should upgrade from my cardcash account. So i opend the account online and then phoned customer services asking what i would get with my new account and how do i activate it and so on. She then said i would get a £300 overdraft when i put £100 in my account to activate it so i did... i then bought like 9 items on ebay that cost a grand toal of 0.09p (Screen Protector for my iphone) which i payed with my new card and i got charged for £35 x 9. I then see all the charges on my account so i then phoned them up explaining i got told i had a £300 overdraft so i shouldent get charged! They where no help whatsoever and sayed for a good will they would remove one charge . How can i go about this now my balance is now £-300. Luckly i still have my cardcash account which i use now. Thanks for any replys

natweststaffmember

Rodhfc wrote: »

I recently opend a new Ultimate reward account with halifax as i turned 18 as they kept sending me letters to say i should upgrade from my cardcash account. So i opend the account online and then phoned customer services asking what i would get with my new account and how do i activate it and so on. She then said i would get a £300 overdraft when i put £100 in my account to activate it so i did... i then bought like 9 items on ebay that cost a grand toal of 0.09p (Screen Protector for my iphone) which i payed with my new card and i got charged for £35 x 9. I then see all the charges on my account so i then phoned them up explaining i got told i had a £300 overdraft so i shouldent get charged! They where no help whatsoever and sayed for a good will they would remove one charge . How can i go about this now my balance is now £-300. Luckly i still have my cardcash account which i use now. Thanks for any replys

Have you spoken to Halifax in person?

Rodhfc

Just over the phone i also emailed them.

natweststaffmember

Rodhfc wrote: »

Just over the phone i also emailed them.

Is that when they told you about the charges?
What happened to the £100 if the items were £9? Or have I misread that?

Rodhfc

natweststaffmember wrote: »

Is that when they told you about the charges?
What happened to the £100 if the items were £9? Or have I misread that?

Sorry the £100 was spent when i got my iphone on contract, had to pay O2 £100 deposit as im 18 and have no credit raitng or something like that. I get the £100 back next month.

I bought 9 x 1p items from ebay for my iphone then i got a letter telling me about the charges so i then phoned them.

natweststaffmember

Rodhfc wrote: »

Sorry the £100 was spent when i got my iphone on contract, had to pay O2 £100 deposit as im 18 and have no credit raitng or something like that. I get the £100 back next month.

I bought 9 x 1p items from ebay for my iphone then i got a letter telling me about the charges so i then phoned them.

In that case I would write to Halifax explaining the circumstances around you opening the account and the transactions involved. Make them aware you were mislead by the person opening the account and want the funds refunded as a result of the bank's error in the information they provided to you.

Rodhfc

natweststaffmember wrote: »

In that case I would write to Halifax explaining the circumstances around you opening the account and the transactions involved. Make them aware you were mislead by the person opening the account and want the funds refunded as a result of the bank's error in the information they provided to you.

Ok i will do that thanks. Is there a certain address i need to send the letter to or will i just send to my local branch?

natweststaffmember

Rodhfc wrote: »

Ok i will do that thanks. Is there a certain address i need to send the letter to or will i just send to my local branch?

Head office and NOT the branch.

trish2568

hi just thought i would post to let you know same thing happened to my partner.applied for the account on line and the information led you to believe that you would get a £300 overdraft when infact when it was signed sealed and delivered you only get £100.very misleading so see how you arrived at the situation your now in

Rodhfc

Hi

After months of trying to get the bank charges cleared i had a bit of money so i just paid it off. Now im looking to claim. Anyone got any good tips for reclaiming bank charges?

Thanks for any help!

Rodhfc

Anyone?? :cool: