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Hi,
Is there any update at all on the Oliver Foster-Burnell case.
I am in a worse position if anything.
I was with the Halifax for 25 years - morgage - loan - credit card - current account.
The charges on my currect account started 2003. As Halifax will not supply me with proof of the overdraft limit at the time I have no way to proof they were unmerited. The charges rose in value as in the above case from £20 - £25 to £30 with no reasonable way to cancel the contract because they insisted on the debt clearing first.
The debt snowballed so in 2009 it stood at around £1500 in charges.
I broke my foot around this time and tried to come to terms via cccs.
The debt forced defaults on this account on my loan and credit card accounts with the same company.
CCCS wasn't working as interest and charges were still been added by some companies so I stopped paying everyone feb 2010.
I settled and came to terms with the reasonable companies including a Tomlin order for the Halifax credit card.
At the time charges were subject of a test case so I tried to reclaim them on the hardship rule.
They offered £20 which I rejected.
I did focus after this on one charge of £90 levied on 18th July 2007 which didn't have an explanation on the statements. It still doesn't.
Halifax claim it was for X,Y, Z payment but my statement does not reflect this. Only 2 transactions took it overlimit and these were Y and another one.
Final decision letter from Halifax received yesterday.
Debt collectors still pursuing me lots of stress and a trashed credit rating.
Any thoughts ideas welcome.
Have I enough to take Halifax to court?
Is there any update at all on the Oliver Foster-Burnell case.
I am in a worse position if anything.
I was with the Halifax for 25 years - morgage - loan - credit card - current account.
The charges on my currect account started 2003. As Halifax will not supply me with proof of the overdraft limit at the time I have no way to proof they were unmerited. The charges rose in value as in the above case from £20 - £25 to £30 with no reasonable way to cancel the contract because they insisted on the debt clearing first.
The debt snowballed so in 2009 it stood at around £1500 in charges.
I broke my foot around this time and tried to come to terms via cccs.
The debt forced defaults on this account on my loan and credit card accounts with the same company.
CCCS wasn't working as interest and charges were still been added by some companies so I stopped paying everyone feb 2010.
I settled and came to terms with the reasonable companies including a Tomlin order for the Halifax credit card.
At the time charges were subject of a test case so I tried to reclaim them on the hardship rule.
They offered £20 which I rejected.
I did focus after this on one charge of £90 levied on 18th July 2007 which didn't have an explanation on the statements. It still doesn't.
Halifax claim it was for X,Y, Z payment but my statement does not reflect this. Only 2 transactions took it overlimit and these were Y and another one.
Final decision letter from Halifax received yesterday.
Debt collectors still pursuing me lots of stress and a trashed credit rating.
Any thoughts ideas welcome.
Have I enough to take Halifax to court?
