I called Halifax yesterday to find out where I stood on some charges applied to my account.
Sky billed me on a new day and I did not have the cash in my account so I got a £35 charge.
I called the Halifax just to ask some advice and the guy I spoke to was insistant Sky must give me the money for the charge and it's not Halifax's fault etc etc.
He told me I needed to have the £35 in my account on 12th March so I asked him if I could ask him what I could do in my situation.
I explained that I had just come out of hospital, can not walk and my partner had to unexpectedly give up work last week. My query was, if it got to the due date for the charges and I had not resolved anything and seeing that my patner now had no income and we are waiting for some financial assistance would there be anything I could do. I was not saying I would not pay, I was asking if the charges could be defered until I was able to get money in my account.
He told me that as I had luxuries on my account (Sky and Paypal) then I would not be given any help or assistance. I told him that I had had Sky for 4 weeks and signed up when I didn't know my partner was going to have to look after me. I told him if I cancelled now I would be liable to pay the whole 12 months rental in one go, so I couldn't cancel. I don't even use my paypal account anymore!!
Then he scoured my account and told me that seeing as I only get Tax credits and Child benefit into my account, I shouldn't have luxuries such as Skyl!!!
I have Multiple Sclerosis and do not work, so I told him that I am part of a couple and my partners money is also mine so actually, before last week I had a lot more coming in. He told me he is only dealing with my account in this instance.
When they gave me a credit card 3 months ago they didn't mind taking my partners income into account back then!!
My complaint was never the charges they were putting on my account but I was only asking if I could have some time to make sure I could pay.
Now I feel like appealing the charges as he was very rude and patronising.
Does anyone else think that this man was out of order to tell me what I should and shouldn't buy with my own money?