Am I able to claim?

[ohdearwhatshallido]

I had a halifax joint account with my husband which we defaulted on and was overdrawn. We are paying the debt back in small amounts each month as we have other priority debts to consider. Am I able to start a claim for charges in the position I am in with the Halifax?

 

Worried, scared but willing to give it a try.

[roadrunner]

Hi,

 

In a word, YES, although you would have to be prepared that they would take what you're owing them first .... but it would still help to clear things

from your end anyway.

 

You've nothing to lose oh except your sanity

Just kidding .... go get 'em

[ohdearwhatshallido]

That suits me, if I can get them off my back I will.

 

I'm assuming that if I get a postal order from the post office that I need to make it payable to "Halifax" ? And this should be for £10 to accompany my letter for copies for statements?

[stevesj]

Everyone is scared when they first set out - make sure you follow the steps in the forum, take your time and everything will come back to you.

 

Good luck - don't forget, it's your money (and his), getting it back may ease the burden.......don't forget any credit cards, loans etc that might have charges on them.....

 

 

Ensure that ALL your accounts with the Halilaffs are listed on the SAR, the you pay one amount. Use the SAR in the posts at the start of these threads and adapt it for your own use. Wait 40 calendar days (a long time, but worth it - if nothing after 20, chase them)

Steve

[barbershop0]

Hi

 

If you send a Postal Order get the Po to cross it annd make it payable to the Halifax. Get a proof of posting if cash is tight.

 

Regards

[ohdearwhatshallido]

Will any of this affect my mortgage which is with one of their offspring companies?

 

Thank you so far for your help, I'm so glad I found this place.

[stevesj]

in a word - no.......unless you want to claim from them as well, but it won't have any detrimental affect on your mortgage account.