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Help with Halifax
BlueyHSI
Posts: 46 Forumite
Ok so basically my problems started with a real petty failed direct debit that I thought I had enough cash to pay for. So anyway the bank charged me for it failing and it came at a time when I had just lost my job.
I failed to make another payment so again another charge incurred. I managed to deposit about £20 into my account but by the time the next month rolled over, another charge was added so now im jobless, skint and have a £140 charge to my Halifax account.
I again managed to borrow and save a further £20 to bring it down to £120 and since then I have been bombarded (harrassed more like) from them telling me I need to pay the full amount or i'll get no credit for 6 years and that this is really damaging my credit score.
I have tried to explain my situation time and time again and advised I could pay when I could but I cannot afford the full sum just yet. But I still get call after call, everyday of the week, even sunday mornings with Halifax's really aggresive tactics to get me to pay the full amount. They tell me I can no longer pay smaller amounts due to me "missing" a few payments.
This is really getting to me and I sometimes do not answer the phone now when I see the 0870 number show.
Any advice for what I can do?
Sorry its a long post and I hope its in the right section.
I failed to make another payment so again another charge incurred. I managed to deposit about £20 into my account but by the time the next month rolled over, another charge was added so now im jobless, skint and have a £140 charge to my Halifax account.
I again managed to borrow and save a further £20 to bring it down to £120 and since then I have been bombarded (harrassed more like) from them telling me I need to pay the full amount or i'll get no credit for 6 years and that this is really damaging my credit score.
I have tried to explain my situation time and time again and advised I could pay when I could but I cannot afford the full sum just yet. But I still get call after call, everyday of the week, even sunday mornings with Halifax's really aggresive tactics to get me to pay the full amount. They tell me I can no longer pay smaller amounts due to me "missing" a few payments.
This is really getting to me and I sometimes do not answer the phone now when I see the 0870 number show.
Any advice for what I can do?
Sorry its a long post and I hope its in the right section.
0
Comments
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Yes, make an appointment to talk to an account manager at your local branch ASAP. Explain all the details to them and together you may find a solution by means of an authorised overdraft or some other plan. I think you'll find the calls might stop then.
You shouldn't be dealing with a call centre for a specific problem like this.0 -
Bluey why did you not cancel the D/D when you knew that you had lost your job with little or no money coming in?0
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Yeah I know, I should have double checked everything. Anyways to cut a long story short. My DD was for about £65 and I had £61 in my account. I thought I had enough cash to cover the DD and I didnt cancel it as I didnt intend to be out of a job for another month.0
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