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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
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    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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Halifax Overdraft Withdrawal No Notice!!!!


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Hi,

 

I checked my account online today to see what i had in there and was totally shocked!!!!!!!

 

I have had for over 8 yrs an arranged/authorised overdraft of £3850 which i am usually well into.

 

However today overnight my Overdraft has changed from £3850 down to £900 leaving me nearly £2600 in an UNAUTHORISED overdraft which they are demanding back at 10% a month and my account is on hold, i can't buy food or anything and i have been told to phone their Customer relations Dept on monday as i may have a case for reinstating my OD as they never wrote me any letters online or by paper.

 

Has this happened to many people , it just seems a way of claiming extra payments back at customers expense, i am completely stuffed now.

 

If i open an account with someonelse will i be accepted as i am a debtor to the Halifax overnight!!!!!!!!!!

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You should be able to open another account with another provider today. I would suggest perhaps popping into your local branch and asking them to start the process of investigating this issue TODAY

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It seems total madness to me. I have been a good customer for over 21 years with them, yes in an overdraft quite a lot but it was an authorised overdraft that they made a nice bit out of, i get my salary of around £1900-£2000 paid in there as well, seems totally stupid to me why they did this?

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Spoke to their relations dept today and my OD has been reinstated and she said she doesn't know why it would have happened in the first place.....not convinced. There is a down side in that it is up for review end of june, she said i will then need to contact them 10 working days prior to state that i wish to continue with my OD in its current form.

 

Will wait and see as i'm not entirely convinced ......in the meantime a new account has been opened with another bank as back up.

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Halifax are routinely dropping O/D limits with little or no warning. I would as a matter of precaution use your new account for income and expenditure and pay off an amount each month to the O/D. You cna pretty much guarantee they won't renew it in June and they will take away your salary leaving you with no money.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Halifax are routinely dropping O/D limits with little or no warning. I would as a matter of precaution use your new account for income and expenditure and pay off an amount each month to the O/D. You cna pretty much guarantee they won't renew it in June and they will take away your salary leaving you with no money.

 

My thoughts exactly.......

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  • 3 weeks later...

Ok, i had trouble with the Halifax taking my OD away with NO notice, this has been reinstated, but i don't trust them and have opened a parachute account. However my query is if i do a complete swap to the new bank will Halifax immediately want payment on the OD as i'm always in it or will the new bank take on the OD as they say if i use their swap service they "may" match my current OD.

 

I don't want to end up in a fight with halifax as i will lose especially with OD's, i was very happy with them , but i truly don't trust them, my OD is up for review in June when no doubt they will stitch me up .

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Watch they don't delay transfer of DD's, I moved to parachute account and my new bank asked Halitwats to transfer details electronically, this they refused to do!

Ended up with DD's being taken from Hali, but with no cash going into that account ended up with over £300 in charges for returned DD's.

FOS have managed to get this cleared as part of hardship claim, but it has still being ongoing for the last 6 months!

Don\'t let the B**tards grind you down

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