All posts by Sylvia Milton

Banking error costs woman her credit rating

This is a guest post from Sylvia Milton, who wanted to share her nightmare story of banking errors, confusion and dreadful customer service – a nightmare which has so far run for 16 months and still hasn’t ended. If you’ve encountered similar problems in your life, please let us know about them in the comments below…

It started with a simple query about my bank account, and grew into a nightmare that hijacked my life and destroyed my credit rating.

On 19th November 2012 I asked Halifax to identify two Direct Debits on my Bank of Scotland business account: £238 to Halifax, £40.85 to T-Mobile. They could not. I asked a BOS Relationship Manager to cancel the DD’s, in the expectation that Halifax and T-Mobile would contact me for missed payment and I could then clarify what I was paying for.

Halifax and BOS subjected me to a six hour long ordeal on the phone that day, shunting me between BOS and Halifax. After five hours a Relationship Manager offered to call me back to stop my phone bill running up further and transferred me to the business department dealing with indemnity claims to see if they could help. BOS advised me to Continue reading