Page 1 of 5 02 July 2021

MISS C M GOMESDOESPIRITOSANTO Statement No. 70

FLAT 602 CANTERBURY HOUSE Branch STRATFORD (110747)
1 HONOUR GARDENS Sort Code 11-07-47
DAGENHAM yPVPwZRTUVZxxxQQPWXTYZST
Account No 10921469
ESSEX jQ1l9LpVDptCym0UoGRYoqDI
na:YaXmbNkuvjTKocxrIc6Op IBAN GB04 HLFX 1107 4710 9214 69
xoM9duiIiALaj7ecaVBgu5Hi
RM8 2GF HLFXGB21U69
jYBByNoc3ForuQfLSrPNTDLv
zzzzzzzzzzzzzzzzzzzzzzzz BIC
Banking Helpline 0345 720 3040

www.halifax.co.uk

CURRENT ACCOUNT 05 June 2021 to 02 July 2021

Your Account Arranged Overdraft limit £240

Date of previous statement 04 June 2021 Type of Fee Quantity Total
Debit card fee 1 £4.77
Balance on 05 Jun 2021 £80.59
Total fees 1 £4.77
Money in £7,654.01
The fees detailed above have been paid during this statement period.
Money out £7,349.28 The fees paid in this statement period are highlighted in the 'Fees Explained'
Balance on 02 Jul 2021 £385.32 section and on the reverse.
Arranged overdraft interest £0.17

Your Interest Rates Fees Explained

Other fees for special services are detailed in the Reward
Amount of Arranged Overdraft Arranged Overdraft Payments and Account Fees leaflet, previously provided.
£0.00+ 0.111% per day (49.9% EAR* variable) If switching to us, different rates and fees may apply.

We apply the daily interest rate shown above to your arranged overdraft balance at the end of the day
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged
over the year based on how often and how much you are overdrawn by, and the effect of compounding it -
charging interest on interest already charged. This interest rate does not include any other fees and charges.

Turn over for more information on managing overdrafts a

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Things you need to know
Getting in touch

J Write to us: Halifax,

PO Box 548, Leeds, LS1 1WU x Visit us in branch W Go online:
halifax.co.uk/contactus Z Call: 0345 720 3040
7am-11pm, seven days a week

Ways to manage your account About the fees we charge if you use your card abroad
Keep track of what's going in and coming out of your account at any time If you’re planning to travel overseas, we advise you to take a range of currency
using: options including foreign currency as well as your debit and credit card. To help
• Online Banking - View and manage your accounts online - 24 hours a protect you from fraud we always monitor transactions. In some circumstances
day, 7 days a week. Register at halifax.co.uk/onlinebanking this might mean we block your cash machine or card transactions in the UK or a
• Mobile Banking – Manage your account on the go with your mobile foreign country. If this happens, just call us on 0345 720 3040. We’ll ask you a
phone or tablet - 24 hours a day, 7 days a week. Download our app from few security questions and unblock your card for you.
Google Play or the App Store. If you use your card to withdraw cash or make a payment in a currency other
• Telephone Banking - Our automated service is available 24/7, or you can than pounds, the amount is converted to pounds on the day it is processed by
talk to us between 7am and 11pm, 7 days a week. Not all services are Visa using the Visa Payment Scheme exchange rate on the day. You can find the
available 24 hours a day, 7 days a week. exchange rate by calling 0345 720 3040 (+44 113 242 1984 from overseas); if you
• Text Alerts – We can also send you mobile alerts. Alerts can help you call before the transaction is processed, the rate provided will be an indication
manage your money and avoid charges. They remind you when you need only. You can find more information on our website about the exchange rates
to pay cleared funds into your account. They can also help you avoid that apply to your transaction to help you compare them with other card
going into an unarranged overdraft or having payments refused. Unless issuers' rates.
you’ve opted out, you’ll automatically receive alerts provided we have an
If you use your savings card to withdraw cash in a currency other than pounds
up to date mobile number for you. Find out more at
we’ll charge a foreign currency transaction fee of 2.99% of the value of each
halifax.co.uk/mobilealerts
transaction. This is a fee for currency conversion. If you use your savings card to
Overdrafts - choosing the right way to borrow withdraw cash in a currency other than pounds (at a cash machine) we will also
An arranged overdraft can help out when you need to borrow in the short charge a foreign currency cash fee of £1.50. Where you elect to allow the cash
term. For example to pay an unexpected bill. But if you use it often and don’t machine operator/financial service provider to make the conversion to pounds
reduce your balance, it can turn into an expensive way to borrow. Our cost we will only charge a foreign cash fee of £1.50. The provider of the foreign
calculator, which you can find online at halifax.co.uk/overdrafts tells you currency may make a separate charge for conversion. We won't charge a foreign
how much an arranged overdraft costs. You should consider if an arranged currency cash fee or a foreign cash fee if you withdraw euro within the EEA or
overdraft facility is the most suitable option for you to borrow money. If you UK.
need to borrow money for a longer time, there may be other options better If you use your debit card to withdraw cash or to make a payment in a currency
suited to your needs. For more information visit halifax.co.uk/borrow or call other than pounds we’ll charge a foreign currency transaction fee of 2.99% of
us to talk through your options. the value of each transaction. This is a fee for currency conversion. When you
Check if your account is still right for you use your debit card to make a purchase or other transaction (not cash
Your banking needs can change over time so it’s important to check your withdrawal) in a currency other than pounds, whether in person or by internet
account is still right for you by visiting halifax.co.uk/bankaccounts to see or phone, we will also charge a £0.50 foreign currency purchase fee. We won’t
our latest current accounts. charge a foreign currency purchase fee if you make a payment in euro within
the EEA or UK. If you use your debit card to withdraw cash in a currency other
Our interest rates than pounds (at a cash machine or over the counter) we will also charge a
If we pay interest on your balance, your current interest rate is shown on the foreign currency cash fee of £1.50. Where you elect to allow the cash machine
front of this statement. To find out what the interest rates are on our other operator/financial service provider to make the conversion to pounds we will
accounts, visit halifax.co.uk/bankaccounts/rates-rewards-fees or ask us in only charge a foreign cash fee of £1.50. The provider of the foreign currency may
branch. make a separate charge for conversion. We won’t charge a foreign currency
cash fee or a foreign cash fee if you withdraw euro within the EEA or UK.
jProtecting yourself from fraud Keeping your data safe
• Check your statements regularly - If something doesn’t look right We promise to keep your personal information safe and only use in the way
or you spot a transaction on your statement you didn’t make, call you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a
us straight away on 0345 602 2160 or +44 1132 888 408 if outside copy on 0345 720 3040.
the UK. We may not be able to refund a payment on some types of We’re here for you if something isn’t right
account if you tell us more than 13 months after the date it We want to make sure you’re happy with the products and service we offer. But
happened. if something goes wrong, let us know and we’ll do everything we can to put
• Keep your statements in a safe place - If you want to throw them things right. If you’re still not happy, you can ask the Financial Ombudsman
away, you should do it in a secure way, like shredding them – please Service to look at your concerns, for free.
don’t just put them in the bin.
• Helping you stay protected - We’ll do all we can to help you avoid The Financial Services Compensation Scheme (FSCS)
fraud. Visit halifax.co.uk/security for ways to protect yourself and The deposits you hold with us are covered by the Financial
information on the latest scams. Services Compensation Scheme (FSCS). Every year we’ll send
• If your card, cheque book or PIN is lost or stolen - Call us straight you an information sheet which tells you the types of deposits
away on 0800 015 1515 or +44 (0) 113 242 8196 if outside the UK - covered and the protection offered by the FSCS. For more
lines are open 24/7. information visit FSCS.org.uk
• The freeze card feature in our Mobile Banking app lets you quickly We send statements and other communications from time to time for legal
freeze and unfreeze different types of transaction on your cards reasons or to let you know about changes to your accounts or services.
whenever you need to. Find out more at
When you call us your call may be monitored or recorded in case we need to
halifax.co.uk/aboutonline/download-apps/card-freezes
check we have carried out your instructions correctly and to help improve our
quality of service.

If your vision is impaired – please contact us for an alternative format

such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service which is available 24 hours a day, 7 days a week; or via
textphone on 0345 732 3436 (lines are open 9am - 5.30pm, 7 days a week).
SignVideo services are also available if you’re Deaf and use British Sign Language at halifax.co.uk/accessibility/signvideo
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Fair lending – we adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 70 Sort Code 11-07-47
02 July 2021 Account Number 10921469
Page 3 of 5

CURRENT ACCOUNT

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
04 Jun 21 STATEMENT OPENING BALANCE 80.59
07 Jun 21 DEB TESCO PFS 2058 CD 4445 05JUN21 15.00 65.59

Soon, you'll notice differences when you're shopping online, as we'll need to check it's really you.
Be ready for

A
07 Jun 21 DEB
changes when
you shop online
TFL TRAVEL CH CD 4445 05JUN21
If we haven't got your latest phone numbers, or you don't have our Mobile Banking App, your
online purchases with your card may be declined. To update your numbers, log on, visit a branch
or call us. Find out more at halifax.co.uk/aboutonline/changes-to-online-banking

4.95 60.64
07 Jun 21 DEB
SAINSBURYS S/MKTS CD 4445 05JUN21 10.17 50.47
07 Jun 21 BGC
HMRC CHILD BENEFIT 63.15 113.62
07 Jun 21 BGC
LEWIS AND GRAVES 706.23 819.85
07 Jun 21 DD
HALIFAX LOAN 80027180 100196519911 239.99 579.86
07 Jun 21 TFR
C GOMESDOESPIRITOS 116459 09274065 1,500.00 2,079.86
07 Jun 21 FPO
LITTLE CHERUBS KINDERGARTEN LTD 1,732.60 347.26
07 Jun 21 FPO
NEWHAM BOROUGH COU 52446357 07JUN21 50.00 297.26
18:34
07 Jun 21 FPO SIMPLICIO SANTO CARLA SANTO 07JUN21 18:34 50.00 247.26
07 Jun 21 FPO CARLA SANTO CARLA SANTO 07JUN21 18:35 100.00 147.26
07 Jun 21 FPO CARLA SANTO CARLA SANTO 07JUN21 18:36 50.00 97.26
08 Jun 21 DEB SAINSBURYS S/MKTS CD 4445 5.20 92.06
08 Jun 21 DEB TFL TRAVEL CH CD 4445 6.50 85.56
08 Jun 21 DEB AMZNMktplace CD 4445 57.21 28.35
09 Jun 21 DEB SAINSBURYS S/MKTS CD 4445 2.20 26.15
14 Jun 21 DEB LIDL GB DAGENHAM CD 4445 12JUN21 20.11 6.04
14 Jun 21 DEB LIDL GB LONDON CD 4445 13JUN21 2.31 3.73
14 Jun 21 BGC HMRC CHILD BENEFIT 63.15 66.88
14 Jun 21 FPO JERMAINE ANIN CARLA SANTO 14JUN21 08:21 15.00 51.88
14 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 474.60 526.48
14 Jun 21 DEB PAYPAL *CANVAPTYLI CD 4445 10.99 515.49
14 Jun 21 DEB LIDL GB LONDON CD 4445 22.81 492.68
15 Jun 21 DD BARKING & DAGENHAM 02759805 089725832 97.97 394.71
15 Jun 21 FPO JERMAINE ANIN CARLA SANTO 15JUN21 07:54 15.00 379.71
15 Jun 21 FPO H FERREIRA DOS CARLA 15JUN21 22:53 100.00 279.71
15 Jun 21 FPO RAQUEL JOAQUIM MON CARKA 15JUN21 22:57 150.00 129.71
15 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 200.00 329.71
16 Jun 21 DD NWL & ESW WATER 01431246 9481060305 29.00 300.71
16 Jun 21 DEB TFL TRAVEL CH CD 4445 6.50 294.21
16 Jun 21 DEB SAINSBURYS S/MKTS CD 4445 15.15 279.06
16 Jun 21 DEB AMZNMktplace CD 4445 290.19 11.13 OD
(Continued on next page)

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Statement No. 70 Sort Code 11-07-47
02 July 2021 Account Number 10921469
Page 4 of 5

CURRENT ACCOUNT
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
16 Jun 21 CHG
DAILY OD INT 0.01 11.14 OD
17 Jun 21 TFR
C GOMESDOESPIRITOS 116459 09274065 200.00 188.86
17 Jun 21 FPI
GOMES DO ESPIRIT CARLA SANTO 1,000.00 1,188.86
RP4679968666980600
17 Jun 21 FPO MILLENNIUMBCP 45421992994 17JUN21 10:47 1,000.00 188.86
17 Jun 21 DEB TFL TRAVEL CH CD 4445 4.95 183.91
17 Jun 21 DEB MIRACLE CONTINENTA CD 4445 16.46 167.45
18 Jun 21 DEB RYANAIR O4PWYI CD 4445 81.98 85.47
18 Jun 21 DEB TFL TRAVEL CH CD 4445 4.65 80.82
18 Jun 21 DEB ACCESSORIZE LTD 42 CD 4445 6.75 74.07
18 Jun 21 DEB STN WDF MAIN CD 4445 11.94 62.13
18 Jun 21 DEB PRET A MANGER CD 4445 14.40 47.73
18 Jun 21 DEB H & M CD 4445 23.98 23.75
18 Jun 21 DEB STRATFORD CD 4445 28.00 4.25 OD
21 Jun 21 DEB NETFLIX.COM CD 4445 19JUN21 13.99 18.24 OD
21 Jun 21 CHG DAILY OD INT 19/06 0.02 18.26 OD
21 Jun 21 CHG DAILY OD INT 20/06 0.02 18.28 OD
21 Jun 21 BGC HMRC CHILD BENEFIT 63.15 44.87
21 Jun 21 DD EDF ENERGY 04829372 671154946795 43.00 1.87
21 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 50.00 51.87
22 Jun 21 DEB SAINSBURY'S S/MKT CD 4445 18.00 33.87
23 Jun 21 DD SPECSAVERS 00427829 SPECS 030410198650 18.00 15.87
23 Jun 21 DEB PAYPAL *APPLE.COM/ CD 4445 4.99 10.88
23 Jun 21 DEB MIRACLE CONTINENTA CD 4445 39.29 28.41 OD
23 Jun 21 DEB SP * CLUB L LONDON CD 4445 85.00 113.41 OD
23 Jun 21 CHG DAILY OD INT 0.12 113.53 OD
24 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 200.00 86.47
24 Jun 21 DEB KFC BARKING CD 4445 4.99 81.48
25 Jun 21 FPI N DA TRINDADE GOME MISS GOMES 100.00 181.48
500000000775782233
25 Jun 21 DEB SAINSBURYS S/MKTS CD 4445 19.30 162.18
25 Jun 21 DEB Pandora Jewellery CD 4445 65.99 96.19
28 Jun 21 DEB RYANAIR 224000 CD 4445 26JUN21 12.00 84.19
28 Jun 21 DEB LIDL GB DAGENHAM CD 4445 27JUN21 4.37 79.82
28 Jun 21 DEB zara.com CD 4445 27JUN21 12.99 66.83
28 Jun 21 DEB TESCO PFS 2058 CD 4445 27JUN21 20.00 46.83
28 Jun 21 BGC HMRC CHILD BENEFIT 63.15 109.98
28 Jun 21 SO CHLOE 0004 50.00 59.98
28 Jun 21 DD VIRGIN MEDIA PYMTS 04215273 902337001001 28.00 31.98
28 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 125.05 157.03
(Continued on next page)

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Statement No. 70 Sort Code 11-07-47
02 July 2021 Account Number 10921469
Page 5 of 5

CURRENT ACCOUNT
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
28 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 20.00 177.03
29 Jun 21 DD VIRGIN MOBILE 01383816 FA76060882 17.50 159.53
29 Jun 21 DD VIRGIN MEDIA 01033601 102867738 34.00 125.53
29 Jun 21 DEB TFL TRAVEL CH CD 4445 1.55 123.98
29 Jun 21 DEB P BARKING SST CD 4445 30.70 93.28
29 Jun 21 DEB LIDL GB LONDON CD 4445 31.06 62.22
29 Jun 21 DEB HOLLAND & BARRETT CD 4445 40.32 21.90
30 Jun 21 TFR C GOMESDOESPIRITOS 116459 09274065 55.00 76.90
01 Jul 21 TFR C GOMESDOESPIRITOS 116459 09274065 100.00 176.90
01 Jul 21 DEB PAYPAL *APPLE.COM/ CD 4445 0.79 176.11
01 Jul 21 DEB ZARA 9241 UK CD 4445 41.98 134.13
02 Jul 21 BGC 103J34F8S DWP UC 2,519.93 2,654.06
02 Jul 21 FPI GAMA DE AL E EDULAY ALMEIDA 150.00 2,804.06
634925041121207001
02 Jul 21 TFR C GOMESDOESPIRITOS 116459 09274065 0.60 2,804.66
02 Jul 21 TFR C GOMESDOESPIRITOS 116459 09274065 1,500.00 1,304.66
02 Jul 21 FPO MILLENNIUMBCP 45421992994 02JUL21 16:17 700.00 604.66
02 Jul 21 DEB zara.com CD 4445 54.95 549.71
02 Jul 21 DEB CAR RENTAL ON RYAN EUROS 185.26 159.62 390.09
VISAXR 1.16063 CD 4445
02 Jul 21 DEB NON-GBP TRANS FEE 2.99% CD 4445 4.77 385.32
02 Jul 21 STATEMENT CLOSING BALANCE 7,349.28 7,654.01 385.32
Payment types:
DEB - Debit Card DD - Direct Debit FPO - Faster Payment FPI - Faster Payment
BGC - Bank Giro Credit TFR - Transfer CHG - Charge SO - Standing Order

Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.