Halifax Account Closed

[Electricmayhem705]

Hey, hope this is the right thread. Basicaly I've had a Halifax account since 1988 which my salary has been paid into. In May this year I opened an A&L account and my salary was transferred to A&L. I just left the Halifax account with a £5.00 balance to keep it open in case I ever needed it. Long story short, since I left the account they have applied a charge and then another and then another until the balance had gone to -£180! I dont have any overdraft facility on this account as I've never needed it. Naturaly when I logged in to internet banking ( just out of idle interest to make sure no-one had deposited £1000000 in my account.) I was shocked to discover that the account had been closed, and upon ringing Halifax I was told that they could not help me as the account was closed and had probably been 'sold on' to a DCA. I've had no phone calls or letters from Halifax for the past year or so and have not heard from any DCA, so my question is, exactly how would a DCA enforce this debt, and are Halifax allowed to just charge me and charge me and close the account without attempting to contact me?

 

Many thanks, and keep up the good work guys!

[dx100uk]

well as you have internet banking, i'd be inlined to look back through the statements to see when and why the a/c went into the red.

 

that should answer your question.

 

either way the charges will prob be reclaimable once the lawsuit has finally been decided.

 

dx

[NailPost]

The charges are probably uncollectable. There was no agreement with Halifax for such a facility and they should have written to you pointing out the charges being incurred as soon as the first one was applied. They usually do if only to gloat at the ridiculous amount they think they can charge. Tell them to go and suck on an orange.

[Pinky69]

I wouldn't bother unless someone contacts you asking for payment. Halifax will have passed the account to their Head Office who may very well have written it off because the amount involved is so small and not worth bothering about - all they would get from this is about £2 if they sold it and it would cost them more than it is worth to assign it for collecting.

[42man]

If you left £5 credit in the account and have NEVER used it since, then this is very close to fraud on their part !!....if it was a 'free' account, and no direct debits had gone from the account, then the £5 should still be there !!...If you want to find out what was going on with your account then it might be worth sending a SAR - Subject Access Request to them - however this will cost you £10, but you should at least know where you stand with them, it might even be worth talking to your local MP too...

[Electricmayhem705]

I think a charge was applied a few weeks after I left the account dormant. Its one of the times where they charge you and then wait a few months before taking it out of the account.