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Bank Withdraws facilities - Help


Lorraine
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I know you dont like new threads but this I think calls for one - (sorry moderators, but will keep using my other ones). Promise only this one!!!!

 

 

Just checked my bank and noticed the £100 free overdraft which I pay for £10.00 per month privilege, Gold account customer has been taken away. Spoken to their helpline - not India, and have been asked to go to my local branch for discussions. The operator's words were "have I fallen out with my local branch", laughed and said something about bank charges (thats all) and his reply "do what you think is right for you!!!!". What the **** (hell) does that mean. Will be going in this afternoon. Has anyone else had a similar experience?

Will advise on outcome later one this afternoon.

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Not had this happen yet, but they have asked me to speak to my Branch as well as offering me a settlement.

Did you set up a parachute account?

If you have been paying for the overdraft and have played by their rules, then I can't see that they have any justification for removing it, and may well be in breach of THEIR contract with you. If they are doing it out of spite, then you could complain to the OFT. See here :- http://www.consumeractiongroup.co.uk/forum/announcement.php?f=11&a=4

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Thank you for your reply. Went into the branch yesturday - help desk was busy and another colleague dealt with it. Apparently they have sent me letters regarding the removal of the overdraft - the only one 13th March - which still does not say they will be removing it, back to the subject, the lady looked at my account and said they had written to me about these changes. Sooo sorry and have arranged for facility to be placed back again.

 

No paracute deployed as taking my other account with Halifax the same way as Lloyds. Hopefully between the two of them, i should have at least one account left open. If not, hubby said I could use his - as I am not as yet named on his - "HIS" account. There's a joke there somewhere but cant see it.

 

SO, panic over and done with.

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Thank you for your advice - jsut read through some more threads and got a link to Nat West Step account. just completed on line and have initially been accepted. There you go, advice heeded and listened too - dont hear that very often from a woman!!!!!

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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  • 12 years later...

This topic was closed on 03/08/19.

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 there.

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

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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