halifax bank charges (merged)

Omicaine

I recently found this site as i have had enough of the hundreds of pounds i have lost due to obsurd charges, hadnt requested anything yet but happened to be on the phone with Halifax plc disbuting another £39 charge mine seem to have gone up. I stated i had enought and wanted a copy of charges in the last six years they said they would charge me £5 from my account witch they have and that they would send 6 years statemnets with charges highlighted stating this was the best they could do.

She then said that if i was planning to claim them back as this site said that this would be a bad idea as the information this site provides is miss leading and wrong and she knows her job, to the point were if i got as far as court action the halifax plc would make life financially difficult and i would loose out more money that gaining any back.

This to me scarred the hell out of me at first and then thinking about it more it has made me more determinded especially as this seems like a very illegal threat to make.

Edinburghlass_2

upthewall wrote: »

Ok I just contacted my local court and the lady I spoke to advised me They only deal with claims up to £1500 and I would need a solicitor for anymore?

Is this the case? Really confused just now. Does anyone know of good solicitors that deal with this in the Lanarkshire area?

Have you reached the court stage? If so I would suggest you might be better asking the Financial Ombudsman to take over the case now.

upthewall_2

Edinburghlass wrote: »

Have you reached the court stage? If so I would suggest you might be better asking the Financial Ombudsman to take over the case now.

Thanks for that Edinburghlass, No, Im not quite at the court stage yet, They have until the 12th of April to respond, but I want to have everything ready and organised, I know I will more than likely need to take the court route. I'll check out the financial ombudsman.

Thanks

smallpiper

b3ckys wrote: »

Hi, I have won back my charges from halifax, just took one later and six weeks later they made me an offer, which I accepted. This was two weeks ago now, they recieved the acceptance letter on the 19th mach. But we have had no money fromn them. Any body have any idea how long its taking??? Thanks Becky.

Mine was similar time scale to yours. Money was in my account by close of buisiness today

upthewall_2

Omicaine wrote: »

I recently found this site as i have had enough of the hundreds of pounds i have lost due to obsurd charges, hadnt requested anything yet but happened to be on the phone with Halifax plc disbuting another £39 charge mine seem to have gone up. I stated i had enought and wanted a copy of charges in the last six years they said they would charge me £5 from my account witch they have and that they would send 6 years statemnets with charges highlighted stating this was the best they could do.

She then said that if i was planning to claim them back as this site said that this would be a bad idea as the information this site provides is miss leading and wrong and she knows her job, to the point were if i got as far as court action the halifax plc would make life financially difficult and i would loose out more money that gaining any back.

This to me scarred the hell out of me at first and then thinking about it more it has made me more determinded especially as this seems like a very illegal threat to make.

My parents recently sold thier debt to a trust deed (iva) as my mum lost her job due to ill health and was hammered with bank charges from the halifax. They also had a loan, unsecured, with the halifax and when they told them were going to trust deed the Halifax said they would go after thier house, the bank always got thier money and they would not agree to the trust deed. Turns out they did agree to it, but the bank still have not closed thier bank account, which is also in the trust deed and are still putting charges on it...7 months later. It's appalling the banks get away with talking to thier customers like this.

I also have a £450 o/d on my current a/c with Halifax, I am not using the a/c just gradually paying off the o/d (not to accrue anymore charges) and a few days ago I recieved a phonecall from them requesting my cheque book and card back, I told them no, I was still paying funds into the a/c and they had no grounds to close it and the girl I spoke to backed down very quickly, I can only assume they recieved my letter requesting my charges to be refunded.

maxinex

b3ckys wrote: »

Hi, I have won back my charges from halifax, just took one later and six weeks later they made me an offer, which I accepted. This was two weeks ago now, they recieved the acceptance letter on the 19th mach. But we have had no money fromn them. Any body have any idea how long its taking??? Thanks Becky.

They rec'd my acceptance letter on 19th and I still haven't rec'd anything, I have rang almost everyday and they keep saying it is in the system, very frustrating!! Will let you know when i receive anything

lil_elvis2000

Hello. I have sent the first letter to Halifax and recieved just their usual "we are saddened"...blah blah. They want 8 weeks to sort the complaint out. I have sent them another letter 20 days after the first and no reply yet from them. The bank seems to be digging in their heels on these.

Should I wait until the next letter comes before taking them to court. I suppose I have no choice.

I managed to get the first couple of charges reclaimed over the phone - but this time they said it was becoming a habit and they could not return the funds.

lil_elvis2000

Omicaine wrote: »

I recently found this site as i have had enough of the hundreds of pounds i have lost due to obsurd charges, hadnt requested anything yet but happened to be on the phone with Halifax plc disbuting another £39 charge mine seem to have gone up. I stated i had enought and wanted a copy of charges in the last six years they said they would charge me £5 from my account witch they have and that they would send 6 years statemnets with charges highlighted stating this was the best they could do.

She then said that if i was planning to claim them back as this site said that this would be a bad idea as the information this site provides is miss leading and wrong and she knows her job, to the point were if i got as far as court action the halifax plc would make life financially difficult and i would loose out more money that gaining any back.

This to me scarred the hell out of me at first and then thinking about it more it has made me more determinded especially as this seems like a very illegal threat to make.

Should a employee of the bank speak to you like that? Sounds very barclayish to me. You could get a nice tidy sum by complaining to the bank or even FSA about the tone of the bank's very thinly veiled threat.

Once my wife was treated harshly and lied to by a BT call centre employee - we got six months free line rental.

Nixi_2

Thank you thank you thank you to everyone here who posts.

I followed the steps on this site and today the 14th day after I sent the final request I got a letter today offering the full amount of £1166.

Well.. I will accept their offer :j

For thise lurking around the boards like I did - go for it.

HappyDale

HappyDale wrote: »

Nice one:j I phoned them other day and i would have taken the £355 no they wouldnt even make me an offer, hope i got the £520 then

My banks acknowledged my claim online today,whats that mean then?