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  1. Hello all, I have recently had £30.00 debited from my current account by Halifax which has now left me overdrawn. The charges we for a few direct debits which I was unable to pay and so my bank have charged me £10 for each returned direct debit = £30.00 I have tried contacting Halifax by phone to ask if these charges could be refunded due to my current financial instability but an adviser informed me (after liaising with the customer relations department) that, "...because you have previously had a bank charge refunded on your account in October 2011, we are unable to refund you again." I asked the adviser if I could speak with Customer Relations personally but apparently customers cannot do this. I have since logged a complaint which the adviser has passed onto 'Customer Relations' who will either contact me by phone or write me a letter. Either way, I'm still left £30.00 overdrawn which I am unable to pay back and accruing additional charges on top Is there anything else I can do? Thanks in advance
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