Halifax/fraud/inheritance money/internal investigation!!!

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So i paid money in to pay a bill on monday. ipaid in 6o ( i had no tens) then paid the bill for 50 and took out 10. when i did it the machine said "unable t provide receipt" which was helpful. I have today recieved a letter saying there was not enough money in the account to pay the bill when there was. They are now charging me 35 which will come out of my benefits. i have no other source of income. what can i do?

 

Thanks:mad:

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ive already claimed back all my charges. I dont have direct debits on the account because they always usd to make mistakes then charge me for the pleasure. i now have 1 standing order on the account. what i normally do is pay cash in, which goes in straight away. check my balance then pay the bill via the tills.

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they have a new machine thing and u pay it in and it goes into your account instanlty (when its cash) i have been doing this for months and its never been a problem.

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yep i checked the balance before paying theill and it was there. there saying i tried to pay out 60 when it wasnt. i paid IN 60 and tried to pay 50. they have also suspended my internet access fr no reason so i still cant pay the bill. they have charged me 65 btw.

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wll i managed to have a look online yesterday and its there that i did pay in 60. but theyve bounced a 50 payment. they also refused to let me add my card to pay pal which seems odd cos it not like im asking for credit O_0 i might just open another bank account to pay my benefits into.

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YES is a standing order. every month i go in pay the money in, then tranfer it via the standing order.

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zararh

opening a new account makes a lot of sense it always pays to have more than one option particully if your savings/credit card/ or loan are with the same bank.

 

if you have on line access to your account then you will be able to establish how the halifax inputted your transactions.

check and let us know how it recorded

 

djc

 

ive tried to have a look today but for some unknown reason theyve suspended my access:confused:

 

i had a look yesterday and its defo there that i paid in 60

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So the standing order was going out on the day you paid money into the account, right?

Now it makes sense as to how it happened.

 

yep, i paid the money in, then checkedthe balance, it was there, then paid the standing order. ive been doing this for months and its NEVER been a problem.

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abbey? er its halifax. i dont really wanna go in tbh they always fobb me off and then i get a nark on!!!! lol!! i had murder with em a few weeks ago they tried to charge me for a direct debit that doesnt exist!! its like there determand to charge me. Ive not had ne charges with the fault being mine since i had all my charges refunded since then they keep making mistakes grrrr

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so any ideas on a letter i can send them? thanks.

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how does this sound:

 

Dear Sir/Madam

 

Please reply to each of these points individually and fully. Please send a personalised reply and not the nearest template form.

 

RE Penalty and ILLEGAL charges –

Request for a refund of all charges & cancellation of pending charges for;

ZARA

 

I am writing to cancel or refund any pending or paid charges levied upon my account. During the time period August 2009 to the present day Including but not limited to 30th June 2009 to 29 July 2009.

 

The social security act1992 quite clearly states that banks cannot take charges from any form of means tested benefits such as Job Seekers allowance These income related benefits have been set up by the government as the minimum amount of money someone needs to live on.

 

I have been on benefits (Jobs seekers allowance) since May 2009 which is easily evidenced by the regular payments made into this account from the DWP. All money in this account has been from benefits. No charges should have been taken as this constitutes 'wrongful diligence’ in breach of the aforementioned act. Therefore you are obliged to refund all charges to my account to my account forthwith. No charges should have been administered and in refusing to refund these charges for any reason whatsoever you will be committing a further offence.

The mentioned charge will be coming out of my account on the 26th August. This was for a standing order. You claim there was not enough funds in the account. There was, I paid them in the same day. I have been doing this for months and its never been a problem until now.

 

Please refund all charges applied to my account within the next 7 days.

I reserve the right to further commence my grievance on to the Financial ombudsmen service without any further notice, and to seek an additional award for distress and inconvenience, together with legal expenses.

 

Yours,

Zara

Edited August 22, 2009 by maroondevo52
Removed surname

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to late ive already sent it...

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hmmmmmmmmm halifax still refusing to return the money:mad: They are also calling me several times a day and writing offering to "make an appointment with one of there money advisors on how to avoid further charges":mad::mad:

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On the 19th Dec i downloaded a track off tune tribe wich was 49p. My account balance was £2.69. The money was taken but there is no trace of this on my online account. The next day i tried to download another track. My account balance was now showing 20p when it should have been £2.20. Again there is no trace of this on my account.

 

On the 19th December £43.16 was paid into my account. On the 21st December i made an order from oneposter.com totalling £24.94. This left £18.22. I then drew out £10 from the machine leaving £8.22. I then used my card in Tesco and spent £6.49 leaving £1.73. Its showing oneposter have taken 11.99 (should have been £24.94) but the rest of the money is gone.

 

On the 24th December i was paid £126. But the balance is saying i can only draw out £116. So another £10 has disapeared.

 

At the moment its showing Available Balance: £3.43 and balance £33.74. Whats going on why are they not giving me acces to all my wages? This happens all the time the odd few quid here and there going missing with no explanation. Because i have an electron card in the branch they refuse to help me unless i upgrade my account and force me to use the help phone. which usually means me waiting on hold for ages.:?

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thats all well and good but it was ratm i bought so i needed it to count

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They are rubbish!! I e mailed them and recieved a reply basically just fobbing me off. so i said either the missing money goes back in or im going to the police. THen it magically reappeared the next day in my account. Makes me wonder what they are up to and who else theyve taken money from who hasnt noticed.

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My card ran out 2 days ago and I have not been sent a replacement . No letters zip.

 

Just checked my online banking and it's showing transactions dated the 2nd April even though today is the 1st?? Have I got a time traveling account ?

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My phone bill was 43.18. I paid 20 via threes online service to reduce the bill a bit. This payment showed on the my three account ad the new bill was 23.18. Today they have taken the full amount anyway. Three have said because the bill was already issued the 20 i paid will come off my next bill. I said to him well if that's the case why was it showing on my three that the mount had come off the current bill? I've rang Halifax to get the payment reversed and the guy I spoke to said they cannot amend payments already sent. Isn't that wrong? Not to mention illigal?

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A family member has recently passed away.

 

There are no remaining family apart from my mum and her sister.

we didn't even know he had died until we recieved an annonomous letter basically saying "x is dead 18,00 to claim get it quick before your sister does"

 

my mum went to the Halifax to find out what to do and she was told to get a death certificate.

 

She spoke to a manager who took a note of her name.

 

Then later that day her sister went in and cleaned out the lot.

 

We've since found out she told the bank my mum didn't exist and she was the only relative.

 

Clearly this isn't the case and the bank knew that having spoke to her the same day!

 

They didn't get her to sign anything nor check she was infact the only relative nor did they take a death certificate, they handed over 18k on her providing a passport and nothing else.

 

We've since been Into the bank to speak to the manager.

 

Every quesion we asked he said "no comment" ,

he refused a copy of there complaints procedure.

 

He then stood up and said "I am refusing to deal with you now" he left the room and didnt return.

 

We've been on the phone to Halifax and they agree procedure was not followed, the money shouldn't have been released.

 

They are investigating this man internally.

 

What can we do here?

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I forgot to add I had a free consult with a lawyer. He said he could send the sister a letter but she's the type of person to ignore it. We're talking about a person here who robbed thousands off my nan when she was literally on her deathbed.

 

The lawyer said Halifax should of asked for a grant from the courts confirming who she was etc because the amount is more than 5k. Halifax are insisting this only applies obits more than 25k.

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There is no will and no other relatives.

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I think the letter came from my nans friend. He despised the other side of the family as much as we did.

 

He gave the letter to my 9 year old brother who has just said "it was from an old man" which would be him

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Here's exactly what had happened:

 

Hiya, I rang head office got through to accounts they said the branch manager at allerton was wrong.

ORDER OF EVENTS

1.I rang Expert Bereavement Halifax. Told them what was happening. They gave me Accounts phone number

2. I rang accounts told them they said I dont need death cert just go in to branch with ID and fill a form in with them.

3. I went into Halifax allerton and spoke to woman on the desk. The lad serving next to her, who I saw last time, said 'I remember you, I was the one who served you last time'. She got X bank account details up, he had lots of accounts, she said they'd already been emptied. He said to the woman whilst all this was going on that the claim hadnt been fully processed and Joan hadnt been paid out at that time. I kept saying I told him last time to make a note another relative had been in to make a claim and to note my details. At the time he said he would. She said I could fill in a counter claim and went to print it out. She said once the form was filled in they would write to Joan saying what had happened. She said it was fraud but they werent responsible as Joan had signed an ideminity clause. I said you are doing a pontious pilate and washing your hands. She said I could fill in the form and take it from there but I had to go and get legal advise. I told the lad I had to go get my son and Id be back and could he tell the woman whilst she was printing.

*4. I went back with X,spoke to the lad and said to the lad that could I have his name as he was the first point of contact when I came in last time. He looked upset, I think he was told off by the manager as he attitude was completely different to earlier. He refused and got all hysterical. I said to him calm down I only asked for his name he went and he got the manager.

5. The manager came and pointed at the room and told me to get in the room like I was a naughty student.

6. He asked how he could help. I told him he knew already and where was my form. I asked him what the lads name was as he was the first point of contact he said all he could give me was his first name which was x.I said thats no use to me. He said I couldnt have a counter claim form and that all I could do was file a complaint as the money had already been paid out. He then said it was nothing to do with this branch as the money was paid out at x street.He then took my name, address, phone number and he typed my complaint in less than a minute. He didnt let me dictate it, ask me if its ok or go over events and wouldnt let me look at it. I asked him for a code of practice regarding bereavement cases. He left room.

7. When he came back he said he didnt have a copy of code of practice. I asked him for a copy of my complaint, he said I couldnt have one as its on an internal form. He left the room again.

8. Again I said I want a copy of my complaint as its the DATA PROTECTION ACT, its my complaint* I should see it and have a copy again he refused. He gave me a leaflet about complaints and wrote the Ref Number on it and his name x. He refused to discuss it anymore and showed me the door. He was really surly and offensive all the way through.

9. I went home and rang the accounts number again. They said he should have let me dictate my complaint and see it and give me a copy. He's breaking the Data Protection Act as its my complaint. They also said that he was wrong and that I was entitled to make a counter claim and that he should have give me the form. I gave them the ref number.

10. They said they would make an official complaint about the manager and she typed it up over the phone and customer services would be in touch within 48 hours. She said she would note everything down and send me the form. I kept asking if it was fraud be she was hesititant and avioded the issue this tem. But my first call they said it WAS fraud.

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Been to the police station this morning they have agreed this is both criminal and civil fraud. We've got an appointment at 11am to make an official statement then the CID are going to arrest her and take her in for questioning. Police told us to get the form she signed from Halifax but they have refused to hand it over.