Overdraft charges Halifax Bank

Megantaxwoes

I’m looking into my brothers finances who has been in debt for over 10 years. He has just had a court order for debt from a current account for £1500 that was sold to PRA. 

Looking at this group I requested the bank statements and a summary of charges. He had a £2000 overdraft but was earning £1400 in 2014 looking at the statements. 

I’ve added the charges up and they come to over £4k from 2013-2019 when account was closed. 

Looking at the info he complained about charges during this time. He was overdrawn every month for the 5 years. 

Does this sound like a good case to get a refund and can I get info further back than 2014 as this is not when the overdraft was given. 

Thanks

Mark_d

Being overdrawn every month for 5 years is terrible money management.  Overdrafts are intended to be for very short term borrowing - just a few days.

I don't think it's unreasonable to give a £2k overdraft

dunstonh

Does this sound like a good case to get a refund and can I get info further back than 2014 as this is not when the overdraft was given. 

No.  If he complained previously, then he has 6 months from the response to refer the case to the FOS.   Failure to do that, means he is timebarred from any future complaint on the same thing.

He would be totally reliant on the goodwill of the bank to reopen it voluntarily.  if he is still a customer, there is the possibility they would.  If he is no longer a customer, that would be unlikely.

Nasqueron

Historical complaints about unfair charges will simply be rejected with reference to the 2009 court case, plus he's time barred as above

Megantaxwoes

This complaint is affordability. His previous was about PBA. They have issued a court order so this is what triggered this complaint. I’ve seen other comments where based on affordability the bank should have helped and done more? 

Nasqueron

Megantaxwoes said:

This complaint is affordability. His previous was about PBA. They have issued a court order so this is what triggered this complaint. I’ve seen other comments where based on affordability the bank should have helped and done more? 

It's a historic complaint, your initial post is about the charges hence it would be rejected 

Going back for a historic financial hardship case is a bit less clear cut but they still don't tend to do much with them, you certainly aren't likely to get £4k of charges refunded - hardship cases should be done when in financial hardship