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hello- Halifax make me angry


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Hey

 

Im new to this and Halifax are ticking me off

 

The are going to Charge me £60 for being overdrawn for less than 24 hrs.

 

I have been with them for 9 years now and never have i done anything wrong (My dad is the kind of person who always taught us only spend what u have, dont go into debt)

 

My overdraft is there to make sure all DD's get paid on time.

 

Last month i was organising an event and for ease i bought everything kept the reciepts and im claiming everything back.

 

Any way i get paid on the last day of each month. Last month on the 29th at 8.00pm i made a purchase. A few days later i got a letter saying that Halifax had paid that transaction even though i was overdrawn. If that was the case, I would rather have had my card rejected in the store than £60 in charges.

 

I want the money back!!!!!!!!:mad:

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:) go to it teacher ... banks show no respect and are in need of reeducation!

 

p.s. have you tried contacting them to ask for your charges back as this is the first instance?

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Read up on all the useful information on this site then GO FOR IT! You might get a response by calling them about the charges, but they often only refund one item. Good luck! :)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 9 months later...

On this I would of thought it would be easy to prove unfair and disproportionate charging. £60 seems a bit excessive.

 

If this is your only concern them might I suggest you try contacting them with the info about loyal customer, rarely into OD, good customer releations to re-think charging in this case.

 

Might be easier and less stressful than you think, and you still have the option of claiming it back other ways, but so much easyier in court to prove you were being reasonable.

 

Others of course might have a different opinion, so listen to them all and then make your own mind up

Good luck to each and all.

All comments are personal opinion only.

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