halifax bank charges

natweststaffmember

west43 wrote: »

Just a quick update, Got my daughter to get me a mini statement from the bank yesterday, and it showed that a further £35 charge was took from my accoun on the 9th Oct , why I have no idea, since my first post I have made certain that there were funds to pay my loan which came out on the 1st Oct, I have wrote no more cheques and have cancelled my DD, and was left with £22.40 to prevent me from going overdrawn again while this matter and my complaint are supposedly being dealt with, and I was not notified by letter about this charge that left my account on the 9th, yet this charge that took of £35 has yet again left me overdrawn, I give up and have decided to leave my account dormant until I get a response from my complaint that seems to be rather slow.

I would simply pay in token payments ie £1 a month

west43

Have actually received a response from the bank, they have agreed that the payment that of £31.99 should not have been took, and are going to as a gesture repay the £35 charge from this, yet they have failed to take into account that this payment had a knock on effect and failed to agree that for a 2nd or 3rd time that the chatrges took were took which either resulted in being overdrawn and took whilst I was overdrawn, ie £22.40 left in my account, on the 9th Oct a charge for £35 was took which resulted in me being overdrawn, then on the next day a further charge of £35 was took, still overdrawn, since the 3rd Sept £305 in charges has been took, the letter received was from the complaints office in Leeds, (customer services) is there somone higher up I can pass my complaint to, I have been told that there is no other person to whom I can complain to by the bank, forgot to add that the bank stated in the letter that all charges too have to be paid as stated in the terms and conditions etc

natweststaffmember

west43 wrote: »

Have actually received a response from the bank, they have agreed that the payment that of £31.99 should not have been took, and are going to as a gesture repay the £35 charge from this, yet they have failed to take into account that this payment had a knock on effect and failed to agree that for a 2nd or 3rd time that the chatrges took were took which either resulted in being overdrawn and took whilst I was overdrawn, ie £22.40 left in my account, on the 9th Oct a charge for £35 was took which resulted in me being overdrawn, then on the next day a further charge of £35 was took, still overdrawn, since the 3rd Sept £305 in charges has been took, the letter received was from the complaints office in Leeds, (customer services) is there somone higher up I can pass my complaint to, I have been told that there is no other person to whom I can complain to by the bank, forgot to add that the bank stated in the letter that all charges too have to be paid as stated in the terms and conditions etc

Write back to them and ask for a final response so that you can go to the Financial Ombudsman Service and explain that they haven't answered the knock on effect of what has happened.

west43

Thanks for the help, really appreciated.

west43

Hi,
just an update, I am still having problems concerning bank charges, I have paid in token payments, and have still heard nothing, it has now been since the 14/10/ 09 when I last had a response from the bank, I sent them in a further letter dated on the same date of the 14/10/09 showing and explaining again about these charges and asked for a response so I can go to Financial ombudsman, yet nothing, I have also just found out that my bank whilst me being overdrawn terribly that they allowed a payment request by ebay for almost £300 to be paid while already being overdrawn our overdraft limit by £120, I am now in a position where I am due to be charged a furher £70 due to charges for allowing this payment to ebay through and a cheque for £7.95 which I totally forgot about, and over our overdraft limit by rougly £480

I went into the bank for an appoinment to discuss this and was told by the person I saw that they could not discuss the charges with me as I had gone over thier head to customer complaints, and the payment to ebay I was told the bank uses its discretion on whether to allow payments through, I said I could understand this for a cheque wrote 3 months ago for £7.95, but not to allow a payment to go through foe nearly £300, whilst we were already overdrawn.

I opened a dispute for the payment to ebay as it was my daughter ebay account and my card was never set up as an automatic payment method, and I was told by the person I saw that ebay probably kept my card details when I made a one off payment, this is just another story and at the moment I am in dispute and conatct with ebay concerning this.

As I was not getting anywhere I asked the person I saw in the bank if I could see a manager, and was told theres not one available, I then asked if I could be made an appoinment to see one and was told this is not possible, basically I am in a situation where since the 3rd Sept till now over £500 in charges have been added to my account,some paid the rest showing as debt as there is no money in the account to pay them, then an added debt of almost £300 paid to ebay, I am also now receiving calls from the bank collections asking how I am I going to pay my overdraft debt and my cards have all been cancelled, not that I could use them anyway, what worries me even more as I am over my overdraft limit due to all of the charges and the payment allowed to go to ebay from the 6th Dec due to halifax changes a further £5 per day will be added onto the account in charges,

I am just in a terrible situation with no help at all from the bank, any advice please will be appreciated.

natweststaffmember

If the bank calls again tell them that you have a bank charges claim in the system and the entirety of the debt is disputed and furthermore you are dealing with their head office and the Financial Ombudsman on various issues so their phone calls will be noted but that they cannot ask you for money for a debt that is disputed. Once it is settled you will decide how it is to be paid.

west43

Hi, thank you for your very helpful response, they have already called twice today, still they will call back, thank you again your help is really appreciated.

west43

Hi, have sent the letter as advised and the calls have stopped, thanks to the person who gave me a template letter to send in, all I get now is a letter every other day telling me how much over my overdraft limit I am and to make a payment, I still have heard nothing from the bank concerning the charges on my account since september, also since the bank let a payment go out of my account to "at their discretion so I was told" to ebay when we were already over our overdraft limit a further 7 £35 charges have been added to our account,
I have wrote no more cheques, as there would be no point but the bank have allowed 2 cheques to go through, be paid and added 2 lots of charges for this, (the cheques were dated 2007) the other charges are for the £300 plus payment to ebay that I am disputing) and the other 4 charges are and appear to be charges on top of charges, I have sent in letters of complaint and explained in detail that the only reason we went over our overdraft limit was when I was in hospital and we were no notified of charges due, then again in early november where I made certain that there were funds to pay our loan and a cheque , when they decided instead not to pay these and charge me for this £35 twice, and then allow a payment to go out to ebay etc,

I have now been over our overdraft limit since september which began by being roughly £32 overdrawn, and now due to charges and them allowing cheques to be paid and charges on top and loads more charges on top of charges I am now overdrawn over our overdraft limit by roughly £700, I give up now, I have paid nothing into this account now except a token payment of £1.oo p/w , and still nothing from the bank, and now with the banks winning it looks like things can only get worse, especially when the new halifax charges start in the 6th dec, I have asked them to close my account and then let me sort out to attempt to begin to pay of our overdraft, and was told that this cannot be done, as I owe overdrafy money,so in the long run each month now I am going to get further into debt, with these charges of £5 per day for being over our autherised OD limit, and I expect yet further charges on top of charges,

I have set up another bank account and have stopped my benefit payments going in a while ago, yet I really see no way out, I am in receipt of incap at £105 p/w and am fighting a claim for DLA which was took from me after a 5 year award, I cannot afford to pay these charges,