This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Have also rejected initial offer of £420.00, out of total of £2,231.00 and sent letter advising of county court action if full amount not refunded within 14 days. Omitted to tell them this will cost them another £638.00 in interest + costs! Dam! Good luck - will keep you posted.

Hi, Also had nightmare experience with Southern Pacific following a remortgage brokered by the ever friendly Ocean Finance!!! Aggressive is an understatement - they took us to court for three months arrears at our first default, with 75% of the equity in our home remaining. Shall watch with interest!!! GOOD LUCK

Hi, Also had nightmare experience with Southern Pacific following a remortgage brokered by the ever friendly Ocean Finance!!! Aggressive is an understatement - they took us to court for three months arrears at our first default, with 75% of the equity in our home remaining. Shall watch with interest!!! GOOD LUCK

Just had a look at BBC website and they seem to have forgotten to include us in their useful links for this programme!

Hi. Just an update on my case. Two letters received in post yesterday. My letter was the template one from the library. First, from Halifax HO. Pretty bog standard. From the Office of the Chief Executive Dear Mr & Mrs ###### James Crosby has asked me to write to thank you for your letter of Feb 15th. We are looking into the matter you raise and you wil receive a response from a Customer Relations Manager within Core business. If you need to contact them in the meantime, please telephone 01422 333465. I enclose a copy of our complaint leaflet, which tells you how we will handle your complaint. Yours sincerely ................................. Anyone know who James Crosby is? I'm assuming he's Halifax CE. The second letter which is from my local branch "co manager", is on unheaded paper, and is one of the most badly written letters I have ever read from a so called professional! Dear Mr & Mrs ######, I thank you for your letter dated 14th February 2006 that was handed in to the above branch yesterday - 15th February 2006. I am unable to comply with your request to reverse all of the charges, as you have not conducted your account within the agreed terms and conditions. The Halifax have to pass on the costs for paid and unpaid items when you enteran unauthorised overdraft. The value of the transaction does not effect the costs we incur. The Company believes it is fair to pass thesecosts on to the accounts affected, rather than absorb them into other areas of our operations and penlising all our other customers as a result. I have noted your comments regarding the level of charges you have incurred. However, to be excessive or unfair, bank charges must be punitive in terms of the law. Having sought clarification from our Legal and Banking Product departments, I can confirm we base our charges on a genuine pre-estimate of our loss such are legallyenforceable. I do hope my comments have helped explain the situation and I am sorry if your view of the Halifax has been tarnished in any way as a result of the difficulties you have experienced. I trust your future dealing with us will be entirely satisfactory, but if you have any further queries or concerns then please let me know. With regard to your formal request to supply a complete and exhaustive list of charges made on the above account over the last six years, I have requested the information from my Liverpool Service Centre and I will write to you with this information as soon as it is made available to me. The 40 day compliance relates to Data Subject Access which would give all information held on you on the Halifax records, but not charges, ie personal data. Page 3 of the enclosed leaflet "About you - PersonalInformation and you identity" explains this and also about the fee of £10 that is chargeable. I enclose a leaflet explaining our procedures. Should any of your concerns remain unresolved please lt e know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we will provide you with details of how you can contact the FOS for help. If I don't hear from you in the next eight weeks I will assume you are happy. Yours sincerely ###### Co Manager ######## Branch. I would be grateful for any comments on what he has written. And can anyone help me suss out how to insert text! This has taken ages!!! Would say it is definitely worth sending copies of letters to Bank HO's. Will keep you all posted.

Well done! How far had you got, and how long has it taken?

I've done it. just taken first letter into branch, with a copy posted to Halifax. Will keep you all posted.

You won't know unless you try. What have you got to lose? And think about what you might - sorry - WILL gain. Go for it!

One of the saddest aspects of all this is that it is often the most vulnerable who are hit the hardest, especially since the compulsory introduction of direct benefit payments. Our daughter is a single mum on benefits and to loose £39.00 from a weeks money is a huge blow for the sake of being a few quid short until her money reaches the bank. It would be much fairer if they at least paid the dd instead of causing further financial difficulties for the customer. Surely their ethics in this must be questionable? Any thoughts? It would be interesting to see the banks figures on numbers of rejected dd's and whether they have increased significantly since the changes to benefit payments - anyone dare to ask them!!

There is a link to a sample letter in the faq's. I've done mine today! Also -could anyone please tell me why the only time you're allowed to go overdrawn on a cardcash account - even when it is regulerly funded with over £1700 per month - is when the halifax want their money?