one bank charge

J_P_S

i paid for an item via paypal stating to use my current account and if that doesnt work to use my credit card.

after doing this i realised i needed the cash for something else so withdrew the money from the atm. usuall this is fine and paypal take the payment from my credit card.

for some reason th8is time halifax have decided to charge me £39.00 for not being able to pay a payment of about £18.

am i able to reclaim this charge or am i stuck with it?

i dont have any form of overdraft.

nickmack

Yes, as it's only one charge, in the first instance call them and ask for it back nicely, specifying an oversight on your part. If they refuse, you can ask them to reconsider because you will reclaim it through the courts if necessary. If this doesn't work, start the process in the article.

J_P_S

ok brilliant, thank you.

ive been meaning to move to another bank anyway, now is the time i think.

thanks

J_P_S

as an update, i got a letter back today trying to justify their charges and offering a me a goodwill gesture of a refund of £39 which is exactly what i was charged!!

Bill86_2

Don't if this is the right place to post.

Reference: Robertson Holbrook

After reading the forums about companies that offer to claim money from banks on your behalf, I find that we share similar experiences of many who have used Robertson Holbrook Ltd of Cardiff.
In 2006, I have used the letter templates from MSE website to write to our banks and credit card companies demanding the unfair charges back. But when we felt that we could not manage to correspond to banks ourselves due to pressures of work and family circumstances, we heard of RH. Me and my husband decided to engage the services of RH Ltd in Dec 06. We downloaded, filled in and signed the authority forms and bank details and forwarded these to them. We then waited to hear from them soon, in a couple of weeks as you would do if you were doing this yourself. When until about Feb’07 nothing seemed to be happening, we tried contacting RH Ltd. Tried contacting RH through e-mail but no replies. More e-mails, still no replies. Managed to find a telephone number from the net to contact them and finally after many vain attempts, spoke with someone. Even they did not give us satisfying answer about the progress of our case. We were told to wait etc. etc. Finally, when nothing was coming of it and they were not updating us or informing us of the progress over the phone (when we managed to contact them over the phone after several attempts), we emailed RH Ltd to cancel our agreement with them. No acknowledgement was made of that email too. After a few weeks (June ’07), we also posted a letter (stating the same as the e-mail- that we did not want them to pursue our reclaiming on our behalf and that we were terminating the signed agreement with them). No acknowledgement yet again. Meanwhile in Dec ’06 I received my first refund- approx £500 from HSBC bank as a result of my own efforts that I made before engaging the services of RH Ltd that year.
Now today, after 2 and a half years (!!), my husband gets a letter from some Robertson Holbrook Consumer Recovery, demanding a remittance constituting their fees in the form of interest as per our signed terms of instruction. His credit card company has indeed made a credit to his outstanding credit card balance a few days ago. But firstly the amounts on RHCR letter and credit applied to account do not match/ correspond with each other. Also, we stopped RH Ltd to act on our behalf with effect from June ’07, so how can they be still on our case? What should we make of this letter from RHCR? We can’t bear anyone claiming our money.
Could anyone reply to this to let us know where we stand with this? Is there anyone else in the same boat as us? Will appreciate some advice/guidance on this please.

Many thanks,
Bill86

esmerellda

Replied on Robertson holbrook thread

Premier_2

Bill86 wrote: »

Don't if this is the right place to post....

As this thread is 4 years old, probably not

esmerellda

lost your glasses Premier?