Halifax have taken £116.82 out of my ISA Savings Account for no reason whatsoever. Im really crap at confronting people face to face or on the telephone. What shall I do?
2007-02-13 19:43:23 · 17 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
just accept it and mov eon you kno wit was for th ebest they know what they are doing
2007-02-13 19:46:27 · answer #1 · answered by Anonymous · 0⤊ 5⤋
Been there, done that, got the perfect solution :) NatWest Step account. You only get a paying in book, but you do get a chip and pin Solo/Maestro debit card. You also get a little interest on any money you have in. Naturally you can have wages paid in and direct debits can go out. It's also valid for a Paypal account. After 6 month or so, when they are satisfied with how it's running you can apply for a regular branch account with a cheque book - if you want. Don't take the Gold Advantage (default) account though, it costs £12 a month for the privilege (noting that some people do benefit from this option). Once you have a standard cheque account, it all likelihood they will trust you with visa type debit card.
2016-05-24 09:01:28 · answer #2 · answered by Amy 4 · 0⤊ 0⤋
Would you collect your wages and just let your boss keep £116 of it? No, you wouldn't so c'mon why are you worried about asking the bank? They are there to help, banks do make errors, if they took the money you should and would have had written confirmation of this and the date it was due to go out of your account, just be brave, and ask them, going into the bank would be ideal, because although you dont like facing people with a confrontation, it isn't really confronting them is it? its just asking as you were unaware any money was due to leave the account. So ask them, if an acceptable answer is given then no worries, if a bank error was made you get your money back, and an apology,
The banks have a duty to inform us if money is being taken for charges, they should have informed you beforehand. This is why it seems like an error.
Go for it, ring them, write or go in, going in will get it dealt with much quicker and you'll get an answer.
2007-02-13 19:57:41 · answer #3 · answered by ? 3 · 0⤊ 0⤋
Just go to the customer services dept at your bank and explain the situation. If I remember correctly you can't set up a direct debt on these accounts so there is no reason for them do take money out. There must be another explanation but you won't know unless you bit the bullet and speak to them. Don't go in all guns blazing or it will get their back up.
2007-02-13 20:04:17 · answer #4 · answered by Buffy 4 · 0⤊ 0⤋
Write a letter - at least then you can think about the points you need to raise clearly before sending. The letter will also get to the correct person so you won't get frustrated on the phone when getting passed 'from pillar to post'! To cover yourself send this recorded delivery and ask for a response within 7 days.
Hope this helps! x
2007-02-13 19:48:17 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Best to write a letter rather than call them as you will probably be put through to a call centre who haven't got a clue what you are on about. Explain all the facts and finish off the letter with a polite "look forward to receiving your response". Make it clear it is their error and give them 7 days to sort it out before chasing them up. Good luck!
2007-02-13 19:47:53 · answer #6 · answered by ChocLover 7 · 0⤊ 0⤋
Either write to them or take a friend with you and ask to see someone privately. You might find it easier if you do not have to speak in the public area. Whatever you do, do not ignore what has happened. It is your money and you have every right to know what is happening. Be brave and go for it. They cannot harm you.
2007-02-14 01:51:29 · answer #7 · answered by SYJ 5 · 0⤊ 0⤋
you have to show the bank took electronically by a statment of before the amount was taken like a before and after like a ATM balance...then file a dispute transaction with the bank proven you didnt withdrawl the funds....
2007-02-13 19:55:25 · answer #8 · answered by Waddetree 2 · 0⤊ 0⤋
Write to them and ask why they have taken this money.
Is it a fee for managing your account, although if it is it seems high.
There has to be a reason, if not they may just have made a mistake and not realised it.
2007-02-13 19:48:08 · answer #9 · answered by Anonymous · 0⤊ 0⤋
I would go into the branch and ask them to explain. Take a friend with you if necessary.
I very much doubt if there has been any mistake, but they need to explain to you where the 116.82 WENT exactly.
2007-02-13 19:48:19 · answer #10 · answered by Not Ecky Boy 6 · 0⤊ 0⤋
They have to explain in a statement or a letter, and they must refer to agreed Terms & Conditions.
Check the following website out too
MoneySavingExpert.com
2007-02-13 19:47:50 · answer #11 · answered by Anonymous · 0⤊ 0⤋