Trying to reclaim charges from Halifax

mirakel123

Hi I was wondering if you would be able to help me out with a bank charge reclaim query.

I have been charged £75 plus interest for two months by using Halifax Platinum Visa Credit Card, for paying for goods to a company in liquidation who used a third party (Santander) to reclaim their debts from me. Santander took the money out as a cash payment, which I did not authorise, I was under the impression that this was just a normal credit card payment.

Do I have grounds for appealing this and reclaiming back this money?

Thanks

P

pooch

mirakel123 wrote: »

Hi I was wondering if you would be able to help me out with a bank charge reclaim query.

I have been charged £75 plus interest for two months by using Halifax Platinum Visa Credit Card, for paying for goods to a company in liquidation who used a third party (Santander) to reclaim their debts from me. Santander took the money out as a cash payment, which I did not authorise, I was under the impression that this was just a normal credit card payment.

Do I have grounds for appealing this and reclaiming back this money?

Thanks

P

I'm sorry, can you explain further the bit about the bit where you say you "did not authorise".

I ask because you start off by saying you used your credit card to pay for goods. You also say "I was under the impression that this was just a normal credit card payment"

This suggests to me that you are well aware of the transaction, and that you most probably did authorise it.

mirakel123

pooch wrote: »

I'm sorry, can you explain further the bit about the bit where you say you "did not authorise".

I ask because you start off by saying you used your credit card to pay for goods. You also say "I was under the impression that this was just a normal credit card payment"

This suggests to me that you are well aware of the transaction, and that you most probably did authorise it.

Yes but as I said I always pay by a standard credit card payment and the bank took the money out as a 'cash payment' which is a different form of payment and this incurred the high charge.

dunstonh

Certain transactions can be classed as cash advances. What were the goods you purchased? (to see if its one of those)

JuicyJesus

dunstonh wrote: »

Certain transactions can be classed as cash advances. What were the goods you purchased? (to see if its one of those)

It sounds like it was repayment of a debt. So it would most likely be classed as a "cash like" transaction.