why is everyone talking about the introduction on the 6th December, of the £1 fee for authorised overdraft? I've had these charges on my Halifax account since February.

Halifax withdrew my overdraft facility in August, no explanation, 3 weeks notice, just withdrawn surely then, Im not subject to the o/d fee because this is now a debt? I've written to Halifax with an offer of repay them £16 a month (OD £1650) with no interest, and no fees lets see what happens

ok, Ive moved my account and salary too the arrangement with Halifax to repay the monies over a year which equates to £150 a month plus the £1 a day say that means I need to put £`180 into my account monthly I paid the first month, overdraft down to £1650, but realistically cant sustain the £180 a month. Wrote to them at the end of September, didnt pay, they held the overdraft until about 21st Oct They withdrew the od and now charge me £5 a day, thats already over £50 even though they know my circumstances The problem is compounded because I struggle to use a phone being partially deaf, which the Halifax is aware of, hence the letter writing. So the local branch are unable, or unwilling to help.....offering me a phone call!!! The longer this goes on the higher the penalty, it so quickly spirals!

ok going through Section 27.2 review was due Sept 09 the od was withdrawn in August after only 3 weeks notice Section 27.3 Salary was paid into account religiously, full time permanant contract as a teacher which ensured that my circumstances will not change risk of lending?? Ive a Halifax CC with £4000 which I have a reduced repayment plan with no interest. The Halifax issued a default on this in June 09 Section 29.5 they have just withdrawn the facility with limited notice clearly the default with Halifax CC has prompted the withdrawal, but I am in work on £36, ooo my take home is £2110, mortgage is now £590 and always paid so Im I really such a great risk?

I had an arranged overdraft with Halifax of £1800, which I now pay, on average, a fee of £28 a month because I've needed to use the facility to cover my bills and mortgage. I was told that the overdraft was going to be withdrawn, no reason, my salary of £2100 continued to be paid into my account and my Halifax mortgage had never been missed. I explained that I couldnt repay the overdraft immediately, I was given less than 3 weeks notice, and they eventually agreed that the overdraft would be reduced by £150 a month over the next year, but the £1 a day charge, ie £30/£31 fee would continue............therefore I have a debt of £1650 with a £30 fee a month...over the next year I will repay over £300 charges I was fortunate to have another account with Barclays and moved my salary and bills to them My inability to repay the £150 a month has now resulted in the overdraft being totally withdrawn, and the fee is now a whooping £5 a day........ how can I stop this? Halifax dont appear to care, just want the money

Claiming enormous sums from 2 Woolwich accounts that are at the court stage..........applied due to hardship even though employed and they sent a chq for £5900! The remaining amount is still at court awaiting the test case result.

Thanks for this information, I've now received an AQ to be completed by 7Aug...patience is certainly a virtue when dealing with the courts!. Also an offer of Mediation...do I go down that route? They offered £7,000 immediately and I would prefer all the monies claimed but will I be at a disadvantage if I refuse the Mediation scheme? Can someone hold my hand through the AQ?

Claiming £10,000 charges incurred on 2 accounts over 6 years plus interest £4,000 approx. Woolwich immediately offered £7,000 which i rejected and took bank to court. They are defending the claim and i have received a General form of Jugement or Order and a copy of the defence. I am struggling to understand the jargon used ; .does not comply with CPR r16.2 or 'claim to be struck out pursuant to CPR r 3.4. Where can I go to find out how to respond to this. Should the court have sent anything else to me at this time?

Like most people I feel intimated by Barclays/Woolwich and their bully boy tactics. I had incurred an embarrassing £10,000 charges over 5 years using 2 account. Barclays offered £7,000 almost immediately and i chose to reject this 'cos with interest the claim had become £14,000. I've pursued court action and much to my amazement they have defended the claim quoting legal jargon which is literally uncomprehensible to me. I have until Monday, 11th June, to file and serve the amended Particulars of Claim; what should I be doing? Can anyone help me to understand exactly what is meant by 'bare denial of liabilty' or doesn't comply worth 'CPR r16.2 or claim to be struck out persuant to CPR r3.4? Any help gratefully received.