banks oh what joy

gaylee

hi there everyboby this is my first time so here goes!!!!! my wonderful bank has sent me to tears today, i checked my account < telephone banking> overdrawn as usual but still had money in my account my child tax gets paid in on a thursday that covers my child care costs so this afternoon i try and draw out the money for child care to find out my money had gone ,so i called the bank to see what had happened ,they told me a letter had been sent a month ago <did not get it> that i had to pay my overdraft 1,500, ,,they will take out 650 now but in the mean time any money that goes into my bank will be swolled up and charge me a daily rate of 5 pounds from tommorrow,. i have had to cancel all my direct debits as i get charged when they call for them so my morgage ect all gone .im on my own with 2 children they have left me high and dry ,,not even a penny to pay for the nursery dont know what to do???? i fear the house will go next!!!!! so much for trying to keep of benefits there is just no end to it CONFUSED ????????????????????????????:mad::mad::mad::mad::mad::mad:

jonesMUFCforever

Calm down - go on the bank's website and see what you have to do to start a formal complaint.

(Did you get the letter? Did you do anything about it?)

If you come to an agreement to repay the overdraft they should transfer back a large proportion of what they have taken from you.

gaylee

hi there,
thank you for your reply
no letter came if they had posted a letter i would have read it and contacted them as i dont have that type on money to hand , i told them on the phone today that happily i would have paid the overdraft off at a arranged amout every month as i was getting charged 30 per month any way just makes me mad i work hard like most people and get told to get on with it , roll on friday for the euro/ even sat would do lotto ha ha wishful thinking

vaporate

I think the first thing to do is to get all your benefits paid into a separate bank account where you have no debt. I would seek CAB advice straight after too.

This will stop the bank from keeping every penny you have/get.

gaylee

hi there,
yup thats the next thing there was a lovely girl at the bank after my 5th call to them she suggested that i move accounts to a easy cash account so that i can move wages ect in to that account went online to do this b4 but have to wait a week b4 i know anything ,so thats another payment for the nursery swolled up and child benefit gone , they are leaving me with nothing to live on how rude !!!!!!!! halifax the bank that likes to say thanks very much THATS MINE NOT YOURS ha ha

peachyprice

First thing in the morning get to the nearest high street and open yourself a new account with a bank not connected to yours, a basic account for now will probably be the best as they don't require the same credit checks and are usually a little quicker to open. If you open another account with Halifax they can and will raid it.

Phone the benefits people and ask them to put all your payments on hold until you have your new account details.

Phone all the people you have DD's with, explain you need to cancel because you're changing bank accounts and will set them up again as soon as you have your new details.

Once you've got yourself straight make arrangement to pay the rest of the OD back at a level you can afford.

HTH

gaylee

hi peachyprice
halifax told me that i wouldt be able to get another bank account because i owe so much!!!!!!!!!!!!!!!!!! not sure if thats true if not do u know how long it would take to get another bank account / and who would be the best to go with

vaporate

As peachyprice said, make sure the banks are not connected, for example Natwest and RBS obviously are.

That is step 1, step 2 seek CAB advice. Free advice from CAB is better than none.

I wish you luck.

peachyprice

gaylee wrote: »

hi peachyprice
halifax told me that i wouldt be able to get another bank account because i owe so much!!!!!!!!!!!!!!!!!! not sure if thats true if not do u know how long it would take to get another bank account / and who would be the best to go with

They would say that! All high street banks to basic accounts designed specifically for when it's all gone t1ts up.

Try Co-op, they're pretty good with people with a less than perfect history. If you've lived at your address long enough and they can check your ID they can open a Cashminer account over the phone tomorrow, if it goes through OK you should have your new details by next week.

scott_lithgows

Our child tax credits go into a Yorkshire bs cash transactor card,worth trying.

cottager

As you're with Halifax/HBOS, I'd avoid Lloyds TSB (who took them over).