Halifax Bank Charges - Letter sent, no response!

GingerAngles

I Folks!

I wonder if I could have some advice...

I sent the following letter to the halifax on 5 March...


Dear Sir

I refer to my letter dated 13 November 2009 and your response dated 21 December 2009 of the above reference.

I am writing to request that you repay all the charges in relation to direct debits, unauthorised overdrafts and standing orders that have been applied to my account in the past six years.

By issuing me with these charges I feel that you have broken the FSA’s regulatory principle to ‘pay due regard to the interests of its customers and treat them fairly’. I believe the fact that I have been incurring bank charges goes contrary to the aims of the Lending Code (Section 9) and Banking Conduct of Business Sourcebook (section 5.1.4 ‘in particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty’), and previously were contrary to the Banking Code. My personal situation has been affected by the charges leaving me in financial hardship in the following ways:

• You will be aware that I am currently on an arrangement with several creditors to try and get my finances under control, including a balance on this account. The charges which you have applied to my account over the last 6 years have directly contributed to my current situation.
• You are continuing to apply charges to this account which exceed the amount which you have agreed within my payment plan, hence increasing the balance.
• The charges have contributed to a cyclic pattern culminating in me using credit to pay creditors and hence having to pursue CCCS advice and arrange payment plans.
• Not only this, a lot of these charges are disproportionate to the amounts having been paid or gone overdrawn, and instead of acting as a deterrent simply made matters worse the following month.

The charges, as of your letter dated 21 December 2009, total £868.00, since then, and despite a payment plan being in the process of arrangement, a further £47.00 of charges have been applied, making the total £915.00. I would also ask that the interest that I believe I have been unfairly deprived of should also be added, in line with the 8% flat rate a court would award, this totals £73.20. I would therefore ask that you repay the full amount of £988.20.

I look forward to a full response to this letter within 14 days and if I do not receive a satisfactory response I intend to pursue my complaint to the Financial Ombudsman Service or small claims court at the earliest opportunity.

I would also point out that this is the 3rd letter I have now sent to you regarding charges without a response from yourselves.

Yours faithfully,


Ben Charlton


I worote this in line with the advice on here...

It's been nearly a month and I've yet to have a response, what is my next move? Ombundsman???

Thanks all!

the_insider

Which address did you send it to?

GingerAngles

Halifax
Retail Bank Collections
PO Box 718
Leeds
LS1 9GB


This is the address I've used for everything halfax related, including setting up my DMP...

natweststaffmember

GingerAngles wrote: »

Halifax
Retail Bank Collections
PO Box 718
Leeds
LS1 9GB


This is the address I've used for everything halfax related, including setting up my DMP...

Customer Relations,
PO Box 548,
Leeds,
LS1 1WU

The above is the address I have for them from their head office

GingerAngles

Cheers for that, I'll direct my next correspondance to there!