Help help!!! What do i do now? Halifax!!!!

ultimatefighter

Hey guys. Thanks in advance for reading/responding. Appreciate it a lot!

1. Tried to reclaim £800 worth of charges
2. 7 months later of correspondance and being told i would be refunded upon review of financial statement
3. 2 months later and im told to F*** off whilst offering me £35 as a "gesture of good will".

And because my account is in arears from the charges..... which I cannot afford to pay I can barely afford to live.... HALIFAX have now closed my account and put me to collections only. THats the account my loan is supposed to come out of. I got refunded my PPI back recently.

WIth interest and charging for time like im by law allowed to do, i think a fair £1000 for the hassle will do it....

My dad died recently, my mum was working with him in their own company, i have to support her and me. I have a loan to pay off for 5K.. do I:

1. Contact financial ombudsman and report Halifax's crappy behaviour? How long will it take?
2. Go to a small claims court as soon as they declare bank charges unlawfull or start a claim now in the courts? How long does that take and if bank charges are declared illegal and unlawful, do i have undisputable grounds with which to claim for even more than £1000 because of damages incurred by them charging me unfairly? Is this a good plan of action for many of us?
3. Destroy all of Halifax's buildings on a Sunday while noone is there?

Thanks a lot guys.


Carlos

natweststaffmember

ultimatefighter wrote: »

Hey guys. Thanks in advance for reading/responding. Appreciate it a lot!

1. Tried to reclaim £800 worth of charges
2. 7 months later of correspondance and being told i would be refunded upon review of financial statement
3. 2 months later and im told to F*** off whilst offering me £35 as a "gesture of good will".
That is compliant under the FSA Waiver on bank charges.
And because my account is in arears from the charges..... which I cannot afford to pay I can barely afford to live.... HALIFAX have now closed my account and put me to collections only. THats the account my loan is supposed to come out of. I got refunded my PPI back recently.

WIth interest and charging for time like im by law allowed to do, i think a fair £1000 for the hassle will do it....
Because the bank account contract doesn;t specify you can do that then you and I know that you cannot do that.
My dad died recently, my mum was working with him in their own company, i have to support her and me. I have a loan to pay off for 5K.. do I:

1. Contact financial ombudsman and report Halifax's crappy behaviour? How long will it take?
2. Go to a small claims court as soon as they declare bank charges unlawfull or start a claim now in the courts? How long does that take and if bank charges are declared illegal and unlawful, do i have undisputable grounds with which to claim for even more than £1000 because of damages incurred by them charging me unfairly? Is this a good plan of action for many of us?
3. Destroy all of Halifax's buildings on a Sunday while noone is there?
You will end up in jail so you know that is the wrong thing to do even though I can understand your perspective.
Thanks a lot guys.


Carlos

We need to go back one step.
Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Are any of the arrears being paid off?
Is Halifax your main account?
Has any debt collection agencies called?

The last thing I want to say is my condolences to you and your family in what must be a tough time and I am sure this stuff is not exactly helping you in your time of grief.

ultimatefighter

natweststaffmember wrote: »

We need to go back one step.
Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Are any of the arrears being paid off?
Is Halifax your main account?
Has any debt collection agencies called?

The last thing I want to say is my condolences to you and your family in what must be a tough time and I am sure this stuff is not exactly helping you in your time of grief.

Thanks Natwest staff member.

Priortity debt arrears? No.... I don't fully understand. But in english that's important bills that need to be paid off that are outstanding.... I only have a loan that needs to be paid off for now of £5,600 total.

Halifax is ...."WAS" my main account but that's gonna mess up othert things.

I begin to pay back my loan in about two months time or so.... 3 months holiday period but im thinking of switching to a different lower rate loan (ideas.. santander and nationwide)....

No debt collection agencies have called. I got the letter this morning and want to attack this problem sooner rather than later.

natweststaffmember

Priority debt arrears(mortgage/rent, council tax, utilities)

Non priority debts are credit cards, loans etc.etc because the non priority debt cannot lead you lose your home, liberty or utilities.

ultimatefighter

Who edited my post with red writing????

natweststaffmember

ultimatefighter wrote: »

Who edited my post with red writing???? It was MEEEEEEE

I quoted you which means the red bit is added by me since you can write within a quoted post.(see above)