extreme halifax bank charges in Halifax Bank and Bank of Scotland Posted October 21, 2009 i get charged £56 for going £1 into the red by this ghastly bank. I am voting with my feet and frankly do not care how much they say I owe them. Its all one sided and I thought contracts were two way affairs. They have no respect for their customers or changing individual circumstances and deserve to be put out of business. I have a nice space under a floor board! and can no longer really call the Halifax a bank. I think its just a little extra brain damage in difficult times. The direct debit fashion plays right into their hands. Boycott !