BEST thing about this site

[goony]

I feel that the best thing about this site is that I have discovered that I am not alone!!! I thought it was just me being incompetent and not managing my account properly as thats what the hallifax keep telling me!!!!!!

 

a couple of months ago i had to take out a loan to pay of their charges as they were taking more in charges every week than i had wages going in I KID U NOT!!!! on 1 day they took £287 and nearly another £100 the next day and in the space of 1 month they took over £1000 in charges then offerd to take back my cheque book and cards to HELP me manage my account BLESS EM eh

and know they have started again as i went overdrawn and i got several letters saying that they were charging me and that they will take this amount from my account on such a date so I rang them and said DONT be daft that date is tuesday and AS you well KNOW i get paid on friday and you will put me overdrawn again THEY said its not their problem and I should learn to manage my account BETTER

 

SO where do I go from here I have spent all day reading this site and Im a bit lost, So is there a template of a letter that I can download to get the ball rolling and also templates for the rest of whats needed and if there is HOW do I use em (im a bit(lot)thick)

 

goony

[goony]

I also forgot to mention that on saturday I had a call from there credit card side asking for a payment and I explained to the chap that I couldnt afford the payment untill the following friday DUE to the charges that HIS company had charged already!!! he then informed me that I had £150 in my account so I could EASILY afford the £27 that HE wanted!!!!

SO I explained to him that the reason that the money was in there was that my wife hadnt been able to go shoping yet to buy food as she was RUSHED into hospital on friday so I still had to get the shopping and would also need to buy her a new dressing gown slippers and PJs

so he told me to BORROW the £27 from a my family or a friend

SO I told him to xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx where the sun dont shine

 

goony

[richardc]

Welcome to the Group. Read the FAQs, the Library and around the Furum and you will know what to do.

[kaz]

Hiya, I felt the same @ being alone. Well we certainly arnt lol

 

Kaz

[jonni2bad]

Hi goony - rest assured you are no longer alone.

 

The basics of the process are to request a list of charges from your bank over the past 6 years (unless you already have statements for that period) - a template is provided for you and can be found in "The Library", and once supplied you then enter the details on a spreadsheet (also in "Library") which works out the interest you should also be claiming.

 

Then write to the bank again, requesting your money back (template provided) and unless you are very, very lucky, they will refuse.

 

Your next step is to start legal proceedings to recover them, with most people opting to use the Court's online service. This is very simple and more guidance is available on the site.

 

I doubt there is a standard "what happens next", but from what most people are saying on the forums, the banks will either pay up or say they will contest the action, and then not attend court (I suspect to make you believe you have a fight on your hands which might tempt you to give up)... But, we all have to be aware, it could be you they choose to fight - so you have to be prepard to attend.

 

I will gladly offer you other, personal, advice regarding your current situation with the state of your account - I have experienced similar difficulties in the past. They are not the views of this site by the way, as I have no association other than being a forum user. I'm just happy to pass on my experiences..

 

You've taken the first step, looking on the site and posting here - and the next should hopefully feel much easier.

 

Best of luck

jonni2bad

[goony]

thanks i was getting lonely

 

goony

[Guest Alison82]

I think Halifax are the worst of the lot. Their staff seem to think they are superior to their customers, I'm fed up of going into my branch or on the phone to discuss my account only to be patronized like a little girl! Well not anymore

[goony]

This topic was closed on 03/06/19.

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