Help - Halifax Turned Up Last Night

lilac_lady

Did someone just arrive out of the blue and ask you to hand over your cheque book etc? If so I'd complain to Halifax. On the other hand if you ignored letters asking you to contact them it's a lesson to you not to stick your head in the sand again. Now that you're on MSE you'll get lots of good advice so that's something positive for you to build on. Good luck.

climbgirl

Someone came to your door and asked for your Switch and chequebook and you handed them over?!?!?!?!

Isn't anyone else thinking this might be some kind of scam or fraud? I've never heard of banks making housecalls to get these back, just stopping them.

You say he had paperwork and id but frankly, it wouldn't be hard to intercept some mail, work out you were with halifax and mock something up that would convince you it was genuine.

I'd be on the phone to Halifax straight away to ask about this, it's very strange. Although I guess if you are in debt and it is some kind of scam, they won't get far with the cards!

oakdale_minx

Phone the Halifax straight away and ask why they didn't tell you they were sending somebody. They can't just send someone to your house unnannounced and ask for you cheque book/card.

Rachman_2

oakdale_minx wrote:

Phone the Halifax straight away and ask why they didn't tell you they were sending somebody. They can't just send someone to your house unnannounced and ask for you cheque book/card.

pound to a penny they had been calling to tell OP but people are often advised here not to talk to the banks when they call and ignore the calls.....

chocolatebutton

Nevertheless, it does sound like a good idea to double check that it WAS the Halifax, rather than a scamster, who took these items!

nettibetti

don't worry you would not have been warned they were going to call, they have just been sent to collect card/chequebook to stop any further spending, they are the same couriers who delivery cards

netti

xx

michael1983l

i've had barclays try and do it before I told them to poke off and they did.

moonlightpjs

Rachman wrote:

To endorse other comments - be honest first of all with yourself and others - you've not been so far and it's made it worse. How did you think your payment plan would work when you had ignored what is presumably one of your larger creditors.....

[Please don't suggest you forgot £12K of debt - it's too much of a reality stretch]

Thank you for reducing me to tears yet again. The reason the OD wasn't included was because my husband was in hospital for nearly a year and me and my children were living off the OD, having to extend it as we did not have enough money to pay mortgage, bills etc and I thought it better to get an OD rather than not pay mortgage, maybe stupidly, but I wanted to keep the roof over our heads. The DMP was set up when my husband was in hospital and now he is out and we want to get our debts sorted, which is why I phoned the DMp company to get the OD included. I couldn't tell them as we would have had no money whatsoever - I didn't know what to do and thought (yes, probably wrongly) that I was doing the right thing.

rog2

Hi Weller - Please do not allow the odd negative post to reduce you to tears. You will find the majority of posters here are non-judgemental, as per the fundamental ethos of this forum, and that we genuinely wish to offer help and advice.
Unfortunately, by the very nature of an 'open' forum, there will always be some posters whose sole aim appears to be to be to relish in the misfortune of others.
There are a lot of us who have not always acknowledged all of our debts, and this is, indeed, one reason why many of us are here.
You have acknowledged your 'mistake' and have taken the very courageous step of posting here for advice - well done.

KatrinaC_2

weller711 wrote:

Don't know if anybody can advise on this but I have a large OD with Halifax and gone over my OD limit. I knew they had suspended my account - am planning on doing a D-I-Y DMP in the New Year but last night a man turned up with ID and papaerwork and said he had been sent by the Halifax to take my switch card and chequebook. I gave him them and signed a form. Does this mean that the Halifax will keep turning up at my house demanding money (the money I owe them)? I was so upset and embarrassed last night and don't think I can cope if they start turning up demanding money. Any advice much appreciated ..................................................

Weller, I can't give much advice on whether or not they will send a debt collection agency, but please (for my sake of mind if nothing else!) call Halifax and make sure that the collection agent was sent by them and that the cards and cheques are cancelled. The chances are that he was a genuine agent acting on behalf of the Halifax, but the last thing you need is for some unscrupulous monster to go and bounce cheques in your name all over town.

Kat