Claiming back Halifax bank charges

clearwing

Hi all
This is not something I had ever considered doing but having stumbled across this forum today I am wondering if this option may be available to me.
I bank with Halifax and during the period Nov 2005 to Jan 2007 managed to pick up various charges totalling in excess of £1300. debits puting me over overdraft limit, bounced direct debits, charges attracting charges.
At this time my partner had left me and I was a single non working mum of 2 children, my only source of income being child tax credit & child benefit. With lots of scrimping and cost cutting I managed to get things back under control.

I have pulled up past statements from my online banking for this period and every charge, £30, £58, £78 is detailed.

What I am wanting to know is if I have any basis to try and reclaim these charges given that they date 6 to 7 years now.

Any advice much appreciated

I am in a much better situation now thankfully

Any information much appreciated

Atidi

clearwing wrote: »

Hi all
This is not something I had ever considered doing but having stumbled across this forum today I am wondering if this option may be available to me.
I bank with Halifax and during the period Nov 2005 to Jan 2007 managed to pick up various charges totalling in excess of £1300. debits puting me over overdraft limit, bounced direct debits, charges attracting charges.
At this time my partner had left me and I was a single non working mum of 2 children, my only source of income being child tax credit & child benefit. With lots of scrimping and cost cutting I managed to get things back under control.

I have pulled up past statements from my online banking for this period and every charge, £30, £58, £78 is detailed.

What I am wanting to know is if I have any basis to try and reclaim these charges given that they date 6 to 7 years now.

Any advice much appreciated

I am in a much better situation now thankfully

Any information much appreciated

http://www.moneysavingexpert.com/reclaim/bank-charges

clearwing

Hi Atidi,
Thank you for the link.
What I am not sure of is given that the charges date back to 2005/2007 wether I can claim the hardship option.
At the time and for a few years after yes I was in severe financial hardship and charges were attracting more charges, but I am not in severe financial hardship at the present time.
Do I still have a basis to make some kind of claim?

Atidi

No .

dunstonh

What I am not sure of is given that the charges date back to 2005/2007 wether I can claim the hardship option.

hardship applies to current situation. Not historic. If you are not in hardship now then you cant use hardship as a reason.