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Long story, but can anyone help?!
We transferred our current account from Halifax to Santander Oct 2009.
Santander told us they would tell us when to instruct Halifax to move our credit balance to them, which they did in a letter dated Nov 2009.
Ten days before the date of that letter, a direct debit for Halifax credit card was presented and declined. The direct debits had been moved, but we had not been told to move the money to pay them - this was a £4k DD, the money to cover which was still sitting in the old (Halifax current account).
We paid the Halifax credit card manually. The next month, their direct debit claimed the balance plus what we had paid manually - an additional £2 or £3k. This happened again and again. On the fourth month, our payment to Santander storecard for £50 was declined. Apparently this is because the £4k direct debit claim was paid but had not yet been revoked - time delay.
We paid the Santander store card interest and fees, but they charged a late fee on the late fee which we refused to pay. This went on for a few months, now there is a default in one of our name's against it (£60).
In addition, Halifax credit card cancelled our direct debit mandate without telling us, and added huge late fees and interest every month. We paid the balance in full less the fees every month. We stopped using the card, leaving a balance of over £800 in late fees and interest, which we had been writing and complaining about, and refused to pay. This led to complete harassment from Halifax, we paid it to stop them ringing every day and sending threatening letters. We even asked our MP to intervene, they told him they would not stop harassing us.
We have been complaining since 2009 to no avail. The results are:
Santander current account say they have done nothing wrong in declining the £50 payment or in transferring our bank account.
Halifax credit card say they have done nothing wrong and calculated interest and fees correctly.
Santander store card say they have done nothing wrong and default will stay.
We have paid nearly £900 in fees to Halifax. We have a default in our name which means we can't remortgage, this is costing us £200 a month in a rip off deal and has been costing us this for a year, we can't move it. One of us is looking for a job (finance) which will also be scuppered by the default.
The FO Adjudicator has not upheld our complaint about Santander. So far we have not taken the Halifax part further, purely due to a lack of time. We have done nothing wrong yet seem to be completely and utterly screwed. Any advice please?!!!
We transferred our current account from Halifax to Santander Oct 2009.
Santander told us they would tell us when to instruct Halifax to move our credit balance to them, which they did in a letter dated Nov 2009.
Ten days before the date of that letter, a direct debit for Halifax credit card was presented and declined. The direct debits had been moved, but we had not been told to move the money to pay them - this was a £4k DD, the money to cover which was still sitting in the old (Halifax current account).
We paid the Halifax credit card manually. The next month, their direct debit claimed the balance plus what we had paid manually - an additional £2 or £3k. This happened again and again. On the fourth month, our payment to Santander storecard for £50 was declined. Apparently this is because the £4k direct debit claim was paid but had not yet been revoked - time delay.
We paid the Santander store card interest and fees, but they charged a late fee on the late fee which we refused to pay. This went on for a few months, now there is a default in one of our name's against it (£60).
In addition, Halifax credit card cancelled our direct debit mandate without telling us, and added huge late fees and interest every month. We paid the balance in full less the fees every month. We stopped using the card, leaving a balance of over £800 in late fees and interest, which we had been writing and complaining about, and refused to pay. This led to complete harassment from Halifax, we paid it to stop them ringing every day and sending threatening letters. We even asked our MP to intervene, they told him they would not stop harassing us.
We have been complaining since 2009 to no avail. The results are:
Santander current account say they have done nothing wrong in declining the £50 payment or in transferring our bank account.
Halifax credit card say they have done nothing wrong and calculated interest and fees correctly.
Santander store card say they have done nothing wrong and default will stay.
We have paid nearly £900 in fees to Halifax. We have a default in our name which means we can't remortgage, this is costing us £200 a month in a rip off deal and has been costing us this for a year, we can't move it. One of us is looking for a job (finance) which will also be scuppered by the default.
The FO Adjudicator has not upheld our complaint about Santander. So far we have not taken the Halifax part further, purely due to a lack of time. We have done nothing wrong yet seem to be completely and utterly screwed. Any advice please?!!!
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