halifax bank charges (merged)

Palacegirl64

Malystryx wrote: »

Claiming back your bank charges should not have an effect on your mortgage as it is a separate financial account. You are only claiming charges from your current account not your mortgage account.

Many thanks Malstryx - Much appreciated

susanandmick

hi, im 30 days into the 40 days halifax have to send me the charges i have accured in the last six years, did they respond to you in time, or did you have to send another letter?

teanderson1

manhater wrote: »

I have just come off the phone to the Halifax after being informed from this site that it is illegal for bank charges to be applied if you are on benefits.

I asked halifax to correct me if i was wrong to which they nicely refunded the £39 on this months statement and last months £39 charge also.

Is it true, that banks cant charge if one is on benefits, I have a life-threatening heart condition, and have been on income support and DLA for 5 years now?

Bigade_3

I'm also in the process of dealing with the Halifax.

They did send me the statements in time, but only just:T

Warriorsith

susanandmick wrote: »

hi, im 30 days into the 40 days halifax have to send me the charges i have accured in the last six years, did they respond to you in time, or did you have to send another letter?

Please direct your questions in the Halifax Thread you will find all you need to know.

They did response within the 40 day limit for my case. i beleive they'd been in undated with this type of request. Make sure your persistant if they fail to respond to you.

grimreaper

teanderson1 wrote: »

Is it true, that banks cant charge if one is on benefits, I have a life-threatening heart condition, and have been on income support and DLA for 5 years now?

no carry on claiming its total rubbish just cos your on benefits dont mean you cant claim that would be discriminating. If you go to court process with claim i think it doesnt cost you a penny at court or even massive reduction in costs to claim thru court.

So if thats the case why do courts allow reductions in court fees for people on benefits???????

In other words it means you can claim as courts have put measures in for people on benefits

i would carry on and good luck

and banks can do what they like they ll still charge you for missed payments etc

bazzag_2

traceytab1 wrote: »

hi i had an offer of £2048 from the halifax i was claiming £3078 i then phoned them the day the offer arrived and i said that i was not accepting that. i said i would take £3.000 they then said they would settle at £2,700 so i accepted its worth phoning them at that stage and if you have no luck then go through the court. good luck

Hi
I have just won £10,000 back from them
Follow the web site
Work to your time scale not theirs
Even if you have to take out the court action they will refund you.
It is important that at each stage when you give them say 7 days or 14 days you immediately take the action you said you would. I took out my action as soon as the days were up. They came back 2 days later and said they would pay in full, but I was able to say sorry it has already gone to court. This is BETTER because you get the interest as well if it goes to court.
Martin has laid out all the stages. The only thing you will have to modify is the statement that goes on the summons if you file via the web. It is too big but just abbreviate it, take out the spaces etc. keep the detail and all will be fine.
If it were me I would not accept the offer and go to the summons. A lady at the Court said they have never fought a case
Make sure you claim the interest
Martin does a pro forma to fill in
Regards

Edinburghlass_2

grimreaper wrote: »

no carry on claiming its total rubbish just cos your on benefits dont mean you cant claim that would be discriminating. If you go to court process with claim i think it doesnt cost you a penny at court or even massive reduction in costs to claim thru court.

I think you have misunderstood the post in that the bank shouldn't take charges from your benefit money, not that they can't claim.

So if thats the case why do courts allow reductions in court fees for people on benefits???????

Not everyone who is claiming from courts is claiming bank charges!

In other words it means you can claim as courts have put measures in for people on benefits

i would carry on and good luck

and banks can do what they like they ll still charge you for missed payments etc

...............

Edinburghlass_2

teanderson1 wrote: »

Is it true, that banks cant charge if one is on benefits, I have a life-threatening heart condition, and have been on income support and DLA for 5 years now?

Have a look at this thread in the Benefits Board.

http://forums.moneysavingexpert.com/showthread.html?t=269424

teanderson1

Edinburghlass wrote: »

Have a look at this thread in the Benefits Board.

http://forums.moneysavingexpert.com/showthread.html?t=269424

Thanks for the info, as I have always had my Income Support and DLA paid into the bank account, it would seem that the bank would realise I am on benefits.

My point is that IF it is illegal (perhaps too strong a word, but you get my drift) to take charges from my benefit, they have commited a fraudulant act :eek: