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Warning- halifax letter - account review option!!
mum2one
Posts: 16,279 Forumite
Please please be careful, I had a letter from the Halifax offering me an account/financial review, with a telephone number to ring.
Personally I ignore these letters.
Thurs afternoon phone rings, its the Halifax re account review, after explaining I didn't want a review, I'm happy with who I have ins etc with, the bloke says take 5 mins, ok, gave in.
He had my full account details, he detailed all my standing orders, my debits, my incomings, I was took aback, he knew I'd got a child - I asked him how, I have ur account in front of me, know you have CB, CTC, why do you not have child maintance (what the heck it has to do with him),
He started chatting about day to day expenses, cars, food, rent, it didn't click at time, but he was filling in an income + expenditure form, "he then decided I was overspending £250pm", my last bank statement I spent 40p more than incomings.
He then tells me I need to go into a debt management plan, there freeze the interest, he accused me of fraud by having a loan, that I have debt problems, (yes, but I'm managing them), that wasn't good enough for him.
I could go through the CAB or debt helpline, but as there free theres waiting lists of months and their company could get the ball rolling straight away..... I'd pay them a set manageable sum of money, the company would take a fee and the rest to my creditors.
It took me an hour to get him off the phone, he obviously worked for the halifax, or the halifax had got a debt management agency on board.
This was a service I did not ask for, a service I don't want, my bills are upto date, I have had no late payments etc for over 12 months.
SO PLEASE BE AWARE - THERE SHARKS - THEY LITERALLY BULLIED ME DOWN- I STOOD FIRM, BUT HAD IT OF BEEN MY MUM - SHE WOULD OF BELIEVED EVERYTHING THEY SAID AND WENT ALONG WITH IT.
Personally I ignore these letters.
Thurs afternoon phone rings, its the Halifax re account review, after explaining I didn't want a review, I'm happy with who I have ins etc with, the bloke says take 5 mins, ok, gave in.
He had my full account details, he detailed all my standing orders, my debits, my incomings, I was took aback, he knew I'd got a child - I asked him how, I have ur account in front of me, know you have CB, CTC, why do you not have child maintance (what the heck it has to do with him),
He started chatting about day to day expenses, cars, food, rent, it didn't click at time, but he was filling in an income + expenditure form, "he then decided I was overspending £250pm", my last bank statement I spent 40p more than incomings.
He then tells me I need to go into a debt management plan, there freeze the interest, he accused me of fraud by having a loan, that I have debt problems, (yes, but I'm managing them), that wasn't good enough for him.
I could go through the CAB or debt helpline, but as there free theres waiting lists of months and their company could get the ball rolling straight away..... I'd pay them a set manageable sum of money, the company would take a fee and the rest to my creditors.
It took me an hour to get him off the phone, he obviously worked for the halifax, or the halifax had got a debt management agency on board.
This was a service I did not ask for, a service I don't want, my bills are upto date, I have had no late payments etc for over 12 months.
SO PLEASE BE AWARE - THERE SHARKS - THEY LITERALLY BULLIED ME DOWN- I STOOD FIRM, BUT HAD IT OF BEEN MY MUM - SHE WOULD OF BELIEVED EVERYTHING THEY SAID AND WENT ALONG WITH IT.
xx rip dad... we had our ups and downs but we’re always be family xx
0
Comments
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Do what I do with phone calls I don't want. Hang up, even while the caller is speaking.
No one keeps me on the phone a second longer than I want to be on the phone.
A company phoned me back and said we got disconnected I said did we and hung up again. They soon took the hint.0 -
To be fair he seemed to just be offering you advice (getting the benefits your entitled to etc...) and offering you a soloution. If you don't want to follow his advice then just tell him that. Surely its better they try and help you now rather than the point where the baliffs are coming in and taking stuff to recover your debts?0
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