HBOS aka Halifax Bank of Scotland

cherryfield

Well today i got a letter from halifax charging me £88 for going £2 over my limit. It was charged at this much as a payment I authorised was put through as 2 transcations. I payed £12.50 for some goods at a Virgin Vie party, this was put through as £12 (£30charge) and 50p (£30 charge and 328 for going over limit) for some reason. Halifax say i have to claim the money off VirginVie. Not sure who is at fault really, I have my receipt to prove I paid £12.50 but Halifax aren't intrested as I have claimed my charges from them once before. I wish the Oft would hurry with the test case so i can claim back what they have charged me since May (£400:mad: ) and close my account with them once and for all!
Help, who do I chase???
thanks

JackWB

Hi, sorry if this has been discussed elsewhere, but I'm just after an answer specific to me as I'm a bit skint at the minute, and the money I'm owed would help a lot. I'm also very simple when it comes to bank accounts and don't know much about them, to be honest.

Anyway, I'm with Halifax. I've received 3 bank charges in the past couple of months. 2 £30 charges for going £2 and £3 over my arranged £100 overdraft. Thing is, when I went over the overdraft, I put the money back in a couple of days later. I then received another £28 bank charge on 31st August, but I'm not sure what that was for.

I've been with Halifax since my 16th birthday (so 3 years now) and this is the first time I've gone overdrawn. I've got a cash card account, current account (the one with the overdraft) an ISA and a credit card with them. So I'd say I was a pretty loyal customer.

I sent them that letter asking them to reimburse me with the bank charges I paid but they sent me back a letter basically just saying "No."

Is there anything I can do about this? I requested the bank charges back a couple of days after the court case was announced. Any letters I can send off to make Halifax feel guilty about taking a poor 19 year old's beer money?

If you lot can help me, that'd be great, guys. Thanks.

Bigmorr

After reading about the Test court case and other threads on here I have received a letter from the halifax that my claim is on hold until after the test court case, The have said I can still take it to FOS or court but the will but it on hold also.

So SHOULD I still go ahead or wait for the outcome?

Please advise.

Adie

danleo

I was awarded judgement on the 31st July 07 and am still awaiting payment of charges from the Halifax, i have rang a number of times and they keep telling me they haven't recived the judgement. i have also been told due to the test case any case's won are now put on hold !!!! this cannot be correct can it ? on another phone call last week i was told it is being dealt with and payment will be made within 5 working days, i have rang again to chase it and have been advised halifax have not recieved the judgement !!! just total lies & terrible customer service. i have issued a warrent and this has been returned unfullfiled as the halifax operates from a PO box no. & not an address. Does anyone have any ideas or comments of what i can do next?

Thxs:mad:

rach20uk

If judgement has been passed they have to pay - that simple. There must be an 'actual' address for Halifax head office (isnt trinity house one?)

You have been awarded judgement - they have to pay - simple as that. They refuse or dont pay then you take them back to court.

Stokey125

danleo wrote: »

I was awarded judgement on the 31st July 07 and am still awaiting payment of charges from the Halifax, i have rang a number of times and they keep telling me they haven't recived the judgement. i have also been told due to the test case any case's won are now put on hold !!!! this cannot be correct can it ? on another phone call last week i was told it is being dealt with and payment will be made within 5 working days, i have rang again to chase it and have been advised halifax have not recieved the judgement !!! just total lies & terrible customer service. i have issued a warrent and this has been returned unfullfiled as the halifax operates from a PO box no. & not an address. Does anyone have any ideas or comments of what i can do next?

Thxs:mad:

If you go to the Halifax website you shjould find there registered office address which I believe is Trinity Road in Halifax re-issue the warrant for the Head Office address which technically is the address you should have used on your claim form.

Edinburghlass_2

Bigmorr wrote: »

After reading about the Test court case and other threads on here I have received a letter from the halifax that my claim is on hold until after the test court case, The have said I can still take it to FOS or court but the will but it on hold also.

So SHOULD I still go ahead or wait for the outcome?

Please advise.

Adie

Have a read of Martin's Emergency Guide as to your options now. If you have a lot of older charges then you really need to file your claim at court or these older charges may be time barred by the time the test case is over.

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

Edinburghlass_2

The registered address for Halifax is in the Reclaim Help Thread which is linked in my signature.

Genex

I bank with the Halifax, I requested the fee amounts and they have sent 6 years of statements rather than a figure. They also notified me that they do not charge the £10 DPA fee for this information and did not cash the cheque I sent.

The thing is, I know I have charges against me. Everytime a Direct Debit has failed I have been charged £39 per DD. However, they don't stand out on the statements. Is there something in particular I am looking for? Do they word these charges in a different way?

Any help would be great. TIA

poorscotslass

When i looked at my statements the charge for returned direct debits (and other charges) was shown as "account maintenance fee". Hope this helps.