halifax bank charges (merged)

chamb7914

I have Halifax Credit card and overdraft both with a DMP, im owed about £700 from each and the credit card have said fair enuff we will refund it onto your account. I dont want it on my account as i am in a repayment process and the money would be better used elsewhere ...can they do this ??? Can i demand a cheque is sent out instead:rolleyes:

Edinburghlass_2

You can ask but I certainly don't think you can demand. Have a read of this thread...

http://forums.moneysavingexpert.com/showthread.html?t=423917&page=9

philandsj

Hi all
my first letter to Halifax went on 24th April and i got the standard 4 week letter back from them. i have hand delivered the lba today. i am asking for £4231.00 charges + £706.64 interest.

Wish me luck

sj

happy_days_5-2

Have just reported Halifax to IC as I still have not received list of charges/statements requested back in March. Have received letter this week saying that they are looking in to my complaint and have four weeks to do so! Have just received another letter saying that as C/C account is seriously over its credit limit (due to charges and interest over a rough 12 month period) they are closing the account and are demanding full payment or they will pass on to debt collection agency. Payments for the last couple of months have been on time and the minimum payment requested has been made and no call or correspondence prior to this letter has been received in the last couple months. Whilst I know some banks close the accounts after claiming, are they allowed to do this just as you have / are due to report to IC for not providing info under the DPA?
Whilst I know Halifax are not great on sending letters, their customer service just do not assist you and their only advice for me to put the account right was to enter into an IVA - something I did not want to do.
Once I have claimed all my charges back from Bank (Lloyds - urgh!) and CC's then I am virtually debt free!! Yippee! How can I put off paying this balance to Halifax until then, without them putting it to a debt agency?
Any help would be appreciated!

catwoman150

Is this for a Halifax credit card or bank account with them?

They sent me a letter saying that they are not goint to refund any of my Halifax credit card charges.

chamb7914

not the answer i wanted but probably the answer i expected thanx for your efforts

Stephen_Leak

The next step is the second letter, threatening court proceedings in 14 days. As Kurt says, see the relevant threads for details of how to word the letrers.

smudgemanc26

Its just a fob off letter everyone gets one - just stick to the timescales and send the relevant letters x

chris6533

After having filed proceedings through mcol a few days ago im wandering if any one has actualy had to go to court or if they always give in before court date.Any replies would be greatfully recieved cheers

barnishroader

yeah i got the same letter but have my next letter in the post today so hoping for a good response this time!