thanks for the advice coolchris

they will just use the excuse that i was overdrawn

dont think they are allowed to but they do, i still havent received a letter to say why it was closed, i know they will use the excuse that it was overdrawn by £65 for 2 months:rolleyes:

i would love to send the letter but i am to scared, they have already shut one of my accounts down because i am claiming bank charges, i cant afford for them to shut the other account down as i use it frequently i.e all my wages and benefits.

received a letter today from halifax, says the usual that i have to wait until the court case blah blah but they have enclosed a form MAT/BBA common financial statement v3, can anyone tell me what this is please, does this form have to be filled out by someone else as it asks for clients name and agency postcode, very confusing, any help would be appreciated

cheers, will keep you posted

i take back what i said, i received the statement i needed today, it amounts to £936. i have done the next letter so fingers crossed

dont know but, same as you i am still waiting, they have got till monday with my request then there 40 days is up

the banks 40 day time limit is up on monday for them to send me my statements, they have cashed the £10 cheque so i know they have received my letter, i have a feeling they are not going to send the statement by monday, can anyone give me a link for a letter to send next, i have looked in the letter template section but it is to confusing to me, thanks

FM79 forgot to ask did you eventually get your fees back:)

thanks a lot for letting me know that, i will definately follow your links now, do you think i should wait the 40 days first before i go down a different route?

sorry what is an I&E. did you make a note of the date that you sent the letter. i wrote in my letter that they have 40 days to reply, if they dont reply then i will send another letter especially as they have cashed the £10 cheque i sent for previous statements

i havent got a form yet, i sent a letter asking for my statements, they have got 40 days to reply, they have cashed the £10 cheque i sent so they have got no excuse for not sending the statements.

thanks for that, didnt really use the account they closed so not that bothered but am bothered about the other account, i am surprised they have not transfered money from my main account to cover the overdrawn money in the other account, well they cant now cause they have closed it lol, but then i was overdrawn in the main account as well which is why i am claiming my charges back under hardship.

what is a parachute account, i cant get an account anywhere else because of my poor credit rating plus all my direct debits come from this account.

yes i have another account with the same bank, i am worried they are gonna mess around with it as its the account i use for my wages and benefits, the account they closed was overdrawn £65 unauthorised but that was because of there charges!!

i have recently started the process of claiming my charges back from halifax on one of my accounts from them. i checked my accounts this morning through internet banking and have found that the account i am claiming charges for has been closed , is this because i am claiming charges from then and are they allowed to do this without my permission:mad:

so true, if i still behaved like i did when i was 18 i wouldnt be where i am now lol

hi panicgirl, listen to happy contrails he/she is talking a lot of sense, dont worry about something that has not happened although i do understand how you feel (my son has OCD) there are a lot of people on here to support you, they supported me and i got great results

every link i have tried for the consumersniper does not work, i have even tried using it through google search but the same thing happens, it says the web page can not be displayed.

the bailiff is using scare tactics, how can they ask money for something they cannot prove, not even the courts can prove it, someone with more knowledge will be along soon, dont pay anymore money till you find out exactly what it is for, i.e the vehicle and the date of the incident

its probably someone at the office who is planning to leave and wants revenge by causing havoc and calling clients to mess up payment plans lol

just read your thread, be careful with the car on finance, i had exactly the same situation, where the bailiff reckoned he could take the vehicle even if it was on finance, i phoned my finance company and they said that the bailiffs could clamp the vehicle and lift it but could not do anything with it and would have to return it, which is fine but its the inconvenience of it all, as the bailiff reckoned he could keep it for a week in a pound, i still have not got to the bottom of whether this is true and whether my finance company gave me the right information

thanks for that binded

saw your thread, WELL DONE to you to