@askhalifaxbank Halifax Current Account overdraft charges - Is it too late to do anything?

[lhmcr1]

Yes, but the Halifax won't pass on the information, and I need to know how to stop it getting thrown out of court when they provide it as a defence

[rebel11]

What have you done to get the information?

 

Yes, but the Halifax won't pass on the information, and I need to know how to stop it getting thrown out of court when they provide it as a defence

[lhmcr1]

Halifax will not pass on the information as they say it is "commercially sensitive"

 

A friend went down the small claims route to reclaim and

 

they provided the info to the court as a defence, this caused the claim to be thrown out.

 

Sorry for posting on someone elses thread with this.

[rebel11]

Why would it be 'commercially sensitive'? if they are saying the following:-

 

'an independant assesor has shown that it costs more than £12 to deal with overlimits and late payment.'

 

They are saying it costs more then they are charging you (the £12), surely they would want the world to know that they are discounting default charges for customers.

 

The 31.14 CPR is the key to getting that information.

 

 

Halifax will not pass on the information as they say it is "commercially sensitive"

A friend went down the small claims route to reclaim and they provided the info to the court as a defence, this caused the claim to be thrown out.

[lhmcr1]

if I proceeded to small claims and they provided this info as a defence,

how would I ensure that it doesn't get thrown out?

 

Do I have to ask the court or Halifax regarding 31.14 CPR?

 

It would also be useful info to pass on to my friend,

could he get his case looked at by the courts again?

[lhmcr1]

I have written to Halifax again regarding credit card charges,

 

also mentioning about FCA approved documents and the 31.14 CPR.

 

They are still saying that the information is commercially sensitive,

and because, as previously stated, a friend had their case thrown out due to Halifax putting it in their defence,

I am now a bit stuck with what to do.

[davidscreditfile]

Hi

Not sure this right thread but please help.

 

I today after 8 years of getting everything off my 3 credit files showing nothing on them not one item except on voters roll for 13 years went into bank scotland and opened an account.

 

It got opened. Given sort code etc. all ready to use (Bos current classic )

 

Got home read the letter etc and noticed surname spelt wrong. 2 letters around wrong way!!!!

 

What should I go

Will it affect me

 

I think it will open a credit file different to mine so what's my best action??

[davidscreditfile]

Does anyone reply?