The link for the sar template will not allow me to access it

Ok then, I'm going to get that done today!! I'll keep you updated with whatever happens. Thank you

I haven't had any for nearly more than a year now. I've had a few before, but I'm not sure what the total would be.

Hello, I've been looking through this forum for a while now and I'm still really confused as to what mode of action I should take first. I have a credit card with halifax on which I owe about £2650. I can only afford to pay £70 a month. The interest they charge is roughly £42 a month. So I'm not getting far with repaying them. I'm not sure what steps to take in asking for 1. A refund on the interest and charges 2. A freeze on the interest they currently charge. So do I send them a Sar, Iba or just a letter asking them to freeze the interest? Please . If someone could talk me through the steps, I would be eternally greatful Oh, I've had the account for about 3 years now.

WHOOPSIES................accidentally posted it twice

Hi there, I'm a newbie and I was wondering if anyone could help me because I am getting dizzy flipping through the threads lol. I have just finished my Master's degree, but I have yet to find full time employment. I am still working my part time job and I earn roughly £600 per month. The debts I have are: 1) £2700 credit card debt with Halifax - I've had this card for about 3 years 2) £550 credit card debt with Egg - I've had this card for about 2 years 3) £700 overdraft with halifax which I've only had for about 6 months. I have closed both the credit card accounts, but I'm still being charged interest. I can only just about afford to pay £50 a month on each credit card account, but the interest is killing me. With egg, I get charged about £10 a month in interest which isn't too bad I guess, but with halifax, it's about £40 a month in interest. I feel as if I will never pay off these debts. I used the halifax overdraft to pay off the remainder of my tuition fees, so they are charging me £1 a day. When halifax they take there charges, it sometimes pushes the balance over the agreed limit, so I then get charged £5 a day. I'm not sure if anything can be done with this account as I've only had the overdraft for about 6 months (although I've had the account for about 3 years) Here is the advice I am seeking: 1) Is it possible to have the interest frozen on these accounts? If so, how would I go about doing this? Are there any templates I could use? And what addresses would I send them too? I actually did ask halifax (over the phone) if they could freeze the interest when I rung them to close the account. But they said the interest would be charged until I clear the debt. 2) Would I be able to claim back any of the charges made on the accounts? (ie, overlimit fee, interest and late fees) 3) Would me pursuing a freeze on the interest and claiming back charges affect my credit score in any way? Sorry for the long post. I hope you can help me. Thanks in advance

Hi there, I'm a newbie and I was wondering if anyone could help me because I am getting dizzy flipping through the threads lol. I have just finished my Master's degree, but I have yet to find full time employment. I am still working my part time job and I earn roughly £600 per month. The debts I have are: 1) £2700 credit card debt with Halifax - I've had this card for about 3 years 2) £550 credit card debt with Egg - I've had this card for about 2 years 3) £700 overdraft with halifax which I've only had for about 6 months. I have closed both the credit card accounts, but I'm still being charged interest. I can only just about afford to pay £50 a month on each credit card account, but the interest is killing me. With egg, I get charged about £10 a month in interest which isn't too bad I guess, but with halifax, it's about £40 a month in interest. I feel as if I will never pay off these debts. I used the halifax overdraft to pay off the remainder of my tuition fees, so they are charging me £1 a day. When halifax they take there charges, it sometimes pushes the balance over the agreed limit, so I then get charged £5 a day. I'm not sure if anything can be done with this account as I've only had the overdraft for about 6 months (although I've had the account for about 3 years) Here is the advice I am seeking: 1) Is it possible to have the interest frozen on these accounts? If so, how would I go about doing this? Are there any templates I could use? And what addresses would I send them too? I actually did ask halifax (over the phone) if they could freeze the interest when I rung them to close the account. But they said the interest would be charged until I clear the debt. 2) Would I be able to claim back any of the charges made on the accounts? (ie, overlimit fee, interest and late fees) 3) Would me pursuing a freeze on the interest and claiming back charges affect my credit score in any way? Sorry for the long post. I hope you can help me. Thanks in advance

Hiya, Could I quickly jump in and ask how you got them to freeze your interest in the first place? I called them to close the account (which they did), but they said I would still be charged interest until the debt is cleared. I'm can only afford to pay £50 a month at the moment, and the interest is roughly £40 a month, so I'm basically stuck. The debt is £2700 and I feel like I'll never be able to pay it off. Could you please advise me on what to do? I have been charged late fees and overlimit fees in the past. Do you think I would be able to get those charges back including the interest PLUS have them freeze the interest aswell? Thanks in advance.