HBOS aka Halifax Bank of Scotland

holiieboly

i was woundering is there any way you could help me please

holiieboly

im new to this not sure if im getting reply or not ,

Phoenixx73

Don't want to sound picky mate, but double posting is considered to be very bad forum etiquette. I know you are very worried but please be patient. someone will answer your questions (most likely after 5 as the real brains of this board are probably at work)

I wish you luck and hope that the regs here will be able to ease your mind and offer you some good practical advice.

JennyJen_2

Hi. I'm new to this so please bear with me!!

I need advice on how to start with making a claim for the Halifax to refund my bank charges of the past 6 years. I don't have all my statements but know that they must owe me a fair few quid!

I have a standard letter that I downloaded from another website, but this requires that I have all, or at least some, of my statements.

Any suggestions will be welcome.

newreclaimer

Hi,

You need to go to the Home page on this site and click on Bank Charges: Reclaim them, they’re unlawful, includes free template letters. That will
tell you everything you need to know.
Or click on the link.

Mark.

JennyJen_2

I've just had a look at the site. Am a bit reluctant to start the reclaim at the moment as I believe everything has been put on hold due to the test case. Do you think it's worth giving it a go, even if nothing will happen for a while?

newreclaimer

Hi,
Ive started claims for accounts where the 6 years is close so as its registered and another account which Ive only had for a couple of years Ive left for now to see what happens.
So its up to you but remember you can only claim for the previous 6 years and thats on a rolling basis.

Mark.

georgiataylor

I have just checked my account today and as i went over my overdraft by £20 but in 3 differnt card uses they are going to charge me £133. I am so P****** Off they charge a one off fee of £28 and £35 every time you go over by more!!!!!

We opened this account in Sep as we thought the HSBC was bad but they are like angels to this!!!
Do you think we have any hope of getting them to refund the charges??????:mad: :mad: :mad: :mad: :mad:

Thanks

Georgina

chattycathyuk

Hi

I know how you feel! HAILFAX nearly killed me a few weeks ago, my silly husband went overdrawn by 50 but in was in 9 transactions


They charged us £30 for every swicthed transaction.
£90 a day for 3 days £270.00 plus £28 :eek:

my heart sank! and my husband was about to run out the front door!!!!

After spending 5 hours calling all open branches, i found a lady (branch manger) who helped me, she refunded all of the chargers.

Just cant belieive how they are allow to charge up to £90 max a day. plus why does the transactions keep going through, why doesnt it decline?


i wish i read the t&c before i opened account!

I can say i no longer bank with the hailfax.

If i was you id call your local branch in the morning and talk to the manager and try and get them refunded. Try not to worry to much.

Good luckx

Charge for exceeding an authorised overdraft at any time during any calendar month: £28.
Paid item charge: £30 for each transaction (maximum of 3 charges per day).
Unpaid cheques, standing orders and Direct Debits: £39 per item (maximum of 3 charges per day).
Stopped cheques (except for lost/stolen cheques): £7.50.
Extra statements: £5.00.
CHAPS payment: £25.
Banker's draft: £10. <!-- / message -->

georgiataylor

Hi Cathy,

Thanks for your advice. I do hope we can find a nice bank manager!!!

What is a good bank to be with???

Thanks

Georgina