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Coming to the end of Halifax Student Account term.

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Hi there


Have just come across this site, how fantastic and comprehensive this site it. Just wondering if anyone can help me with my question/ concern?


I took out a Halifax Student Account in 2005 when I started a 3yr degree course (already a Halifax Mortgage and Credit Card customer). This August marks the 4th anniversary of my opening the account and also marks the end of my 0% overdraft rate. I am a little concerned about what happens next. I have 2750 overdraft which I can't afford to pay off all at once (working on paying off other student debts too) so can anyone advise me what happens next, will Halifax demand that I repay the overdraft in full or does the account transfer to a standard current account?


Many thanks in advance for your help.

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I would cheque the terms of the Halifax Graduate account since usually with some banks there is a reducing overdraft facility(well the interest free part of it).


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

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if you still enjoy a good working relationship with your bank are you unable to discuss this with them it may well be helpfull to you



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keep posting remember others that are not as forthcoming as your goodself with similiar problem may benefit from your posting.


good luck



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