Hi Everyone.
I am a relatively new customer with Halifax and noticed some transactions on my account that i didn't recognize from WHO internet (William Hill)
these transactions totaled to 457 pounds
there was also a credit on my account from WHO internet for 400 pounds around the same day these transactions took place.
I contacted the disputes team and they refunded the 457 pounds straight away,
however at the same time they also deducted 400 from my account in order to reverse the initial 400 credit.
So i ended up getting a total credit of 57 pounds.
Fast forward a few weeks and after investigating Halifax cannot prove these transactions are not genuine
and as a result will be re-debiting my account for 457 pounds,
I contacted Halifax and they have said that I will need to take the matter further with William Hill,
however I believe whilst also re-debiting my account for 457 they should also credit my account for the 400 they took as surely that's my money?
I have been on the phone to these people all week who have confirmed that when they re-debit my account for 457 pounds
they will also credit it for 400 putting me in the same position as before I disputed the transactions (minus 57 pounds)
however this morning I get a text asking me to check my account and I am now overdrawn due to them deducting 457 and not crediting the 400 as promised.
Om contacting Halifax they have said that in no circumstances can they refund the 400 as that credit should not of been in my account in the first place,
which i understand as I don't recognise the transactions
however due to raising a dispute I have now ended up with 400 less money than what i started with which I cannot afford,
surely the 400 originally credited by WHO internet was my money to begin with
as 457 came out of my account and a day later 400 came back in.
They have said that this is the procedure with online gambling and I will need to contact William Hill to get this matter resolved,
however I don't think this is fair that I am going to loose 400 pounds this month due to a matter that isn't my fault
and I can't really wait another few weeks to get my money back due to direct debits coming out of my account from tomorrow.
Can anybody help with this please:-( thanks