Hi there just thought i would update. I am waiting to hear from the powers that be if they will allow a transfer to a student account whcih would give me the years grace period as a graduate to pay off the o/d. However it took speaking to lots of people at the bank and a visit on advice from them to Barclays. Apparently even Halifax staff that bank with them are transfering banks to get away from the £1pd charges. it was commented that other banks could follow suit with the daily charges as this is to bring all banks into line with each other (whatever that specifically means) and that the £1pd could be reduced to keep it competitive. If's and could's.....always helpful. should find out my banking fate in the next few days.

Thanks for the quick response and welcome. It's all a little scary trying to take on the banks. Another quick question.....I too have recieved a letter about overdraft daily fees from Halifax. As I have recently graduated should I try and get a graduate account from them meaning I wont be charged? Although I never had a student account because I already had an arranged overdraft I hope this wont make any difference! What do you think?

Hi folks I recently phoned Halifax about my credit card account and wanting a list of all charges from the past 6 years. Luckily knew about the £10 max charge for this (they were quoting not a max of £100), the address i have been given seems a bit odd can anyone let me know if which is the correct address. HBOS PLC Business risk-VTL 10 Carlton Street Halifax HX1 2AL ????