Hi Just to let evryone knows that i have received the letter and i have completed the form... so waitiong for the £25.00 as promissed

Thank you to evryone who supported me during this difficukt time

THANK YOU

Felicity King-Evans:

Hello,

They've sent you a letter and emailed me a copy - I thought you would have recieved it by email but it must be in the post. I'll email it to you now but I'm pretty confident you'll be happy with the outcome.

Do let the forum know if you are,

Felicity

Thank you very much for helping me regarding this matter, Although i have yet to receive the letter i am very happy with the response... I could not have succeeded without the help i have received from this forum.

I would like to thank everyone for their advise and help especially Felicity Who has done the most hard work and gained the best outcome you can ever get.

Thank you very much Felicity!

Once the letter arrive by post, I will let you know, I am very chuffed.

Hello,

They've sent you a letter and emailed me a copy - I thought you would have recieved it by email but it must be in the post. I'll email it to you now but I'm pretty confident you'll be happy with the outcome.

Do let the forum know if you are,

Felicity

I have sent them an email, but i have yet to receive a response. CAn someone please advise me what to do

Felicity King-Evans:

Hello ABAN4803,

I rang the Halifax press office and brought this thread to their attention and they're anxious to look into this further for you.

I will email you in a moment with some contact details.

Once you've spoken to them, please do come back to this thread and let us know if you're satisfied.

Thanks,

Felicity

Thank you everyone with your help. I am very overwhelmed with the support and advise. I will speak to halifax again and i will let you know about their response

Hello ABAN4803,

I rang the Halifax press office and brought this thread to their attention and they're anxious to look into this further for you.

I will email you in a moment with some contact details.

Once you've spoken to them, please do come back to this thread and let us know if you're satisfied.

Thanks,

Felicity

ABAN4803:

do u have ny sample letter that i cn u send them.

Google for "reclaim bank charges" and pick a likely link. Remember the hardship angle.

I really appreciate your help. I dont have any money coming out. I am really strugling at the moment... do u have ny sample letter that i cn u send them.

I had a similar experience but my branch sounds much more customer friendly than the one you dealt with.

they will take the money on the 14th whether you have the money available or not, but they wont charge you if a charge makes you overdrawn (except deibt interest).. however if you have anything else that is going to come off on the 14th or before money gets paid in then they will charge you £35 for each one.

They wont allow you to close the account without paying it back.

They should refund your first ever charge. When I asked I was told that because I had never had a charge back before they can refund my first ever charge as "goodwill" so if you have never had one before try going back to them again, it is worth a try. what that advisor said is not the instructions as my charge was refunded last week! I It could be the case that that advisor could not be bothered giving you it back if it involved more work.

If that doesnt work, once you have got the account back into credit there is a high street full of banks just waiting for new business......

ABAN4803:
When I spoke to the bank advisor, she told me she cannot waive the charges, as this is the instructions, they have received from the head office until the court case finish.

Sorry I can't give you urgent advice but what you were told by the bank adviser is not true if you satisfy the "hardship" test. Research that issue and if you think you qualify, ask the bank again. If they refuse submit a claim as a complaint citing "hardship". Follow the banks written complaints procedure scrupulously and after 8 weeks contact the Financial Ombudsman Service.