Halifax continued taking out mortgage payments for 2 months after I Switched!?

Question

I switched my mortgage from the Halifax, and they continued to take money out of my account for 2 months after the switch! They have now paid the money back into my account, but I have been left with a £100 bank charge for going over my overdraft limit. Is there anything I can do about this?

Answer 1

errm did you cancel; the standing order?
if not who is at fault here... you for not telling your bank to stop payments, or the bank for not recognising the linkage

Answer 2

Hi,

Yeah, request them for the loss, if it was their fault that caused you to be so overdrawn when you are normally OK and this is an exception to the norm I don't see why not.

They messed up, and you suffered a loss, and as with anything where there is a loss there is an entitlement for the loss to be covered and maybe some form of compensation for the time and hassle you have incurred.

Start by writing a nice letter, explaining it, that should be ok at first.

If you do not get what you want, it is time to take off the gloves, warn them you will sue them, via country court, just a bit of paperwork. This will get the sorted fast.

As you can see by my username thing, I like to fight businesses, didn't let them get away with it. One tip on your second letter can be this.

Make sure you correspond by e-mail. Find an e-mail address, be it a person (better) or a generic one.

Then find e-mail addresses of say, 5 of their main competitors, one from the financial ombudsmen (who will come back and say they cannot help till you gone through all the channels at Halifax but do it anyway as it scares the bank) and also get the e-mail address of watchdog and stuff like that.

Then CC all of these contacts in your e-mail. At the bottom of the e-mail put a note to all these people of why you are doing this and that they can view how their competition deals with complaints. Also try and find the e-mail addy of the chairman.

Then put a note in the mail to Halifax stating that you have mailed all these people, and any response they give that is not to your liking will be sent to all these people. And even if they send you a postal letter you will scan it in and send it. Don't go into phone conversations unless you record them to send again, and warn them you are recording it.

They will not like the fact they are being seen by all and sundry and will come back to you pretty fast.

That is a last resort, but PC World gave me hassle, so I did that to them. I got my money back and some compensation for the hassle.

Give it a go, companies are nasty things, treat them like the enemy as it is a war! Gung Ho

Answer 3

Initially I would write to them explaining the situation and asking them to remove the bank charge as it wasn't your fault. That really should do the trick as a lot of people are asking for bank charges to be removed.

If that fails tell them you will take them to small claims court. If you have to do this there, will be a court fee (not much) but you can claim that back from them as well. Banks never appear in court in relation to these sort of matters so you will win and they will pay.!

Good Luck. My friend is doing the same thing

Answer 4

Nothing you can do if you didn't stop the direct debit/standing order. That was your job, nothing to do with the lender or the Halifax.

Answer 5

Yes, right to them asking for the money back if they refuse you can take them to court. They have admitted their mistake by refunding the morgage payments, so you shouldn't have any problem winning.

Answer 6

Contact HBOS and as them to meet the charges that occoured dut to their error. They might require proof so be ready with that. They might say no but don't let it drop, just follow their complaints procedure, they are obliged to provide you with details of this.