Halifax o/d charges

Premier_2

Carolr wrote: »

... I feel cheated out of hundreds of pounds. can anyone tell me if it is worth/possible to try and reclaim some if not all of thse o/d charges? if so what is my first step?

Only you can decide whether you think it is worth reclaiming.

The best place to start is with the MSE guide to reclaiming bank charges

http://www.moneysavingexpert.com/reclaim/bank-charges

Be aware that claims based on genuine financial hardship are not guaranteed any refund. Each claim is individually assessed and the only obligation on banks to customers who are in genuine financial hardship is to treta such claim in a positive and sympathetic approach.

Otherwise you need to read the follow on MSE article linked to in that earlier link regarding court based claims.
http://www.moneysavingexpert.com/reclaim/oft-bank-charges

Be aware of the possible risks mentioned in that article you may expose yourself to if you follow that guide (whereas claims based on financial hardship are essentially risk free)

Also be aware that no one has yet reported any success based on the court based claims guide.

Warning!
Finally, be cautious of getting involved in anonymous internet users wishing to engage you in coverstaions via PM over what is essentially your own personal and private financial matters.

They could at worst get you to divulge some of those details exposing you to a significant security risk. Or they could give you misleading advice sending you in completely the wrong direction.
At least if the conversation is done in open, other members will see what is being said, challenge any misleading advice and/or warn you (and possiblt the site team) if information is being sought that would expose you to any security risk.

I am happy to discuss the matter in public with you if you like, as I have nothing to hide, am happy to back up any advice I provide, and welcome the debate by others.
Furthermore, hopefully, whilst the matter will obviosuly be pertinent to your particular situation, such advice will hopefully help others who may be in a similar situation to you but are not even preparted to discuss the matter in open forum, let alone in private with a complete stranger with all the potential risks such private conversations could entail.