no £4.00 credit for me nothing at all and no Electron is not phased out at all.

Hey guys I have just spoken to Halifax customer relations and asked for a breakdown of how my £2.80 has managed to generate fees of £105.00 I asked for a pound by pound breakdown to show my £2.80 and how this has cost them the £105.00 and they told me no because this is sensitive information and cant be sent to customer in other words we are not allowed to have this information because they cant justify these charges to us and showing the working out would prove this to us. They are still refusing to credit my money back and sticking to the fact its my fault, I am so out of that bank.

Hi there Thanks for the advise they did offer me that but £12.50 to have it its a joke, I will have to do that through cant afford not to then reduce my overdraft until I can leave them. However if we all just jump ship who is to say if they have been allowed to get away with this other banks we go to wont try this to, something to be said of getting paid in cash like the old days no charges at all for that and as we once thought the banks don't keep our money safe for us it would safer under our mattresses. I am very disappointed with the Halifax after 20 years of hassle free banking to now have this dropped on us all. Good luck

Today I discovered Halifax have charged me £105.00 for going over my arranged overdraft of £400.00 by just £2.80p with this new £5.00 a day charge, I have been with this bank for over 20 years and have watched as they slowly push away low end low earning customer bit by bit, first it removing counter services in their branches for us low grade Visa Electron account holders and now this £1.00 a day for arranged and £5.00 for unarranged overdrafts outrage. They are playing a very clever game to get rid of us low earner customers by making their other accounts more attractive to the better off and business customer thus completely changing the image they once had back in the days I took my account. They have refused to be reasonable with me even through in the whole 20 years I have had this arranged overdraft they have never allowed me to exceed it before by even a penny my card was always declined if the payment i wanted to make went over the £400.00, then hey ho like magic when they introduce this £5.00 a day fee they allow me to make a payment that put me over by £2.80, I honestly thought it was impossible because of what had always happened in the past for me to go over my overdraft so thought the £5.00 a day thing didn't affect me, how wrong could I be? They cant get away with this they must be stopped they are taking advantage of the poorer people in society pushing them further and further down into poverty its so wrong and they have proved they show no loyalty to long standing customers such as myself so why should I show them any? I am so angry and hope they loose so many customers they have to close that way it will be a warning to all other banks the public wont be pushed around like this and just lie down and accept it. Grow up Halifax did you really think telling us this would make us better off was going to work it is clear from all the forums and comments your customers don't believe this.