Good Luck

Thank you, I apreciate your comments and I agree with some of them (it wouldnt do for us all to have the same opinion all the time - thats what makes life interesting).

Sometimes people are just looking for a way out of paying and that really doesnt help the genuine people that are looking for real help. The guys on here do spot them though. The information posted is top quality and I would recommend this site to anyone.

I am going to contact them, although by letter, to the address they have given. I never talk on the fone so I avoid the 'she said, he said' scenario.

I understand these people are doing their job. They get paid for doing it, just as I get paid for doing mine. I take sh*t all day on the phone, so the last thing I want to do is speak to someone the way I have been spoken to.

Onward and upward. We get there in the end.

If you're prepared to post on an open forum you also have to be prepared for some replies that you make not like

That is life, people can't tell you what you always want to hear.

Some people post on here in the hope that someone is going to tell them a way out. They believe what they read and then they find out it is not correct & are disappointed Forums are ok for general info but when it comes to a personal situation like this, you would be better placed speaking to the people you have the dispute with. Why waste time to 'ing and fro 'ing on here.

If the person you speak with at the Halifax isn't understanding to yr situation ask to speak to someone else. They have a duty to treat customers sympathetically............However avoidance does you no good whatsoever & they will just keep slapping on the charges.

Don't be afraid, pick up the fone speak to them that way they wont "harass" you. They're not harassing you anyhow, the person who is calling you is doing their job! collecting monies owed

Everyone is entitled to their opinion although I do not think you are entitled to make assumptions about me. I agree that I have got myself in this situation and I was only asking for help. I have never posted saying I want to get out of paying this money. In my first post I said

(quote) What do I do? Put the £50.00 in and stop it before it starts and wait for the court case re bank charges to settle or do I write and explain that any charges added will be claimed etc. (unquote)

I was only asking for advice.

Had you posted slating me I would of ignored it. As I said before I was only asking for help. If you look on the CAG website there are thousands of other people (much worse off than me) requesting help to deal with debts and DCA's. Just as I can, they will also ignore any detrimental remarks. Some people may be put off or offended by comments regarding putting themselves in their position. We all need help at sometime.

I asked if anyone had a letter to keep this situation as it was until the court case was settled. Had I received 5 replies saying there was no such thing and I should pay the money, then I would do it.

Had I received the letter I was looking for, I would of sent it.

When I read the posts, I dont reply if I cant help. Thats my decision. The reason I dont post is because some of the people are desperate and when you get the e-mail in your box saying someone has replied, for a moment you see the light at the end of the tunnel. When you open it to find a few lines blaming the poster for the situation they are in, its a real downer. That isnt an assumption. Thats how it feels. That comment does not refer to this post.

I dont want to seem as though I am preaching. I have learned to think before I open my mouth. We all protect our own and as I said before, sometimes we do need help. If it wasnt for this and the CAG website, helping thousands of people a year, they would be paying out money to DCA's and getting ripped off for charges left, right and centre. This is a fantastic site.

If you want to post, then go ahead, you are entitled to. All I ask is you re-read your post before submitting it. A desperate person doesnt need to read something that feels like a slap in the face.

I will contact the bank, as sugested, and see what they have to say.

**********Anyone reading this, please dont be put off, there are plenty of people on here who will help and be happy to do so.**********

I WILL continue to respond as long as i wish and not yr wish...............

"If you read your quote back, you did exactly that"

It's painfully obvious you didn't take your own advice here. I wasn't suggesting you weren't allowed to express your opinion, and i didn't say you had less rights than me. And i didn't tell you to stop responding, i suggested that if you didn't want to help then maybe you'd be better off not responding.

If you bother responding to this, it will be a waste of time, I've got more important things to do than argue with you.

Can i suggest that if you're tired of hearing excuses, then you just stop responding to people that in your opinion don't deserve the help.

Of course you're allowed to express an opinion, i never suggested otherwise. ??????????????????????????/

If you read your quote back, you did exactly that........I have exactly the same right's as you, just becase I don't share your opinion doesn't mean I can't express mine............I suggest you stop telling people to stop responding simply if they don't agree with you....................................................

Of course you're allowed to express an opinion, i never suggested otherwise.

Anyway i'm not in the business of having arguments via the internet, so this is going to be my last post on the matter.

This is an open forum and I am allowed to express my opinion. I am also sure it is not a forum to assist people in ducking out of responsibilities.......this was unathorised borrowing As I already expressed if someone has been treated harshly I would support them. What good is it posting on here.........maybe hoping someone would give some tips on how to get out of paying. If this person really wanted to resolve this, they would be picking up the phone and speaking directly with the people concerned........as they should have done in the beginning and not ignored matters and allowing it to escalate......the poster has never denied what they have done, simply they do not want to pay as they think it's no great deal to the bank... This should not be condoned

Because, funnily enough, this is a forum for helping people and giving them advice. This is not a forum for lambasting people who, although they have acted irresponsibly, need help.

Can i suggest that if you're tired of hearing excuses, then you just stop responding to people that in your opinion don't deserve the help.

I emptied the account and it put me overdrawn.

Are this bank short of money as they have been quite happy to ignore it until now?

No there was no overdraft on the account

I don't see how criticising MissMink is going to help them with the situation they are in.

I am certainly not going to emphasise with the situation. If this had been a genuine error, or one caused by hardship and the client contacted the bank to explain the situation and they dealt harshly with her, then I would be supporting her.

My analogy is 100% correct, why should this lady or anybody else take money that doesn't belong to them. If someone did it to you, you would regard this as stealing and take the appropriate action.

Why are banks supposed to turn a blind eye.......It is quite obvious she has made no effort to make amends, therefore has to face the consequences. I am tired, tired hearing excuses of people who will not face up to responsibiliites and then try to make claims etc to get out of paying

I don't see how criticising MissMink is going to help them with the situation they are in.

Certainly you did the wrong thing by not paying the charge and then ignoring it, but there's nothing you can do to change that now, so the only thing to do is try and get it sorted. At least you'll know better in future.

You're right that you can claim the charges back as there is currently a due diligence case in court regarding bank charges. However, the best thing to do is to pay the charge as a gesture of goodwill, and then dispute the charge by writing a letter explaining that you have paid the charge under protest and will be challenging it. This always makes the bank more amenable to a solution.

Right now i don't know what the best course of action for you is. Certainly i'd try once again to get the Bank to freeze your account, and also put a freeze on further charges and interest. ask to speak to your branch manager, they might be more sympathetic to your plight than someone in a call centre.

"But when people are telling you bank charges"

What people, why didnt you speak to the halifax and explain yr situation

What would you do if i came into yr house and took money out of yr purse without permission?

This is what you've done with the Halifax & then not tried to make amends

My family allowance had just gone in and I didnt want to see it go on bank charges, that money is for my kids. At the time it seemed like a good idea (obviously not now). Then it just sat overdrawn and I though - "well, if you aint bothered, neither am I".

Interest being added was only 6p 10p 20p. Its only this last few months that it is going up by a pound a month. There are thousands of people on CAG website that are in the same boat, but no letter that fits the bill for this.

Dont get me wrong, if the best way is to pay it, then thats the best way to go. But when people are telling you bank charges are unlawful and you will get them all back, this is a result of that.

You get caught up in it and feel you can take on the world. As I said before, nobody has bothered to do anything in the last 18 months, then all of a sudden the house phone and mobile are ringing all the time. I only want a letter to hold it as it is until the court case is sorted. Is that to much to ask?????????????????

Thanks.

I emptied the account and it put me overdrawn

Why did you put yourself in this position?