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Charges made my account default!!
welshlad
Posts: 50 Forumite
Hi there,
I had an account with the Halifax whilst at uni, and after I finished I stopped using the account. However I forgot to cancel a couple of standing orders that went out, and as there was no money in the account I was charged the standard unpaid fees. This led to a few 'overdrawn' fees, all in all came to a couple of hundred pounds.
As I had moved address, I didn't receive any of the letters the bank sent out and knew nothing of the charges until I applied for credit last year and was declined due to a default the bank had registered on my student account!!
Anyway to the point, my question is, if I claim back the charges from my old account, will the Halifax be obliged to remove the default from my records completely?
Sorry for the long post and thanks in advance for any responces
Welshlad
I had an account with the Halifax whilst at uni, and after I finished I stopped using the account. However I forgot to cancel a couple of standing orders that went out, and as there was no money in the account I was charged the standard unpaid fees. This led to a few 'overdrawn' fees, all in all came to a couple of hundred pounds.
As I had moved address, I didn't receive any of the letters the bank sent out and knew nothing of the charges until I applied for credit last year and was declined due to a default the bank had registered on my student account!!
Anyway to the point, my question is, if I claim back the charges from my old account, will the Halifax be obliged to remove the default from my records completely?
Sorry for the long post and thanks in advance for any responces
Welshlad
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