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Kamalamrani

Halifax student overdraft

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Hi,

 

I have a student account with the Halifax and i accidently went over my limit by like £30. I went abroad and when i returned i found out that the Halifax had charged me the £20 fee for going over and then another £20 because when the withdrew the original £20 charge i had insufficient funds in my account. They then started calling me and sending letters asking for payment. They charge £10per phone call and £20 per letter. As i was on abroad for two months i was unable to receive these letters and phone calls and was unaware of the problem. I also received a 2 letter saying that one of their agents was suppose to call round my house but I wasn’t at home and they charge £30 per home visit.

 

The amount i have to pay now is significantly higher due to all the letter, calls and visits i received whilst i was away.

 

I really am panicking as i don’t have the amount of money they are asking for and am worried that this will keep raising even more. Could anyone offer me any advice on what to do or if i could claim back some of the charges.

 

Regards

 

Kam

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Hi,

 

I have a student account with the Halifax and i accidently went over my limit by like £30. I went abroad and when i returned i found out that the Halifax had charged me the £20 fee for going over and then another £20 because when the withdrew the original £20 charge i had insufficient funds in my account. They then started calling me and sending letters asking for payment. They charge £10per phone call and £20 per letter. As i was on abroad for two months i was unable to receive these letters and phone calls and was unaware of the problem. I also received a 2 letter saying that one of their agents was suppose to call round my house but I wasn’t at home and they charge £30 per home visit.

 

The amount i have to pay now is significantly higher due to all the letter, calls and visits i received whilst i was away.

 

I really am panicking as i don’t have the amount of money they are asking for and am worried that this will keep raising even more. Could anyone offer me any advice on what to do or if i could claim back some of the charges.

 

Regards

 

Kam

 

I think you asked this question on MSE or The Student Room. Yes you can reclaim them and you can ask Halifax(in writing preferably) if they would refund some of the charges based specifically on your situation otherwise its a standard reclaim.


.

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

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Thanks for you response. Is there like a template letter i could look at or can you offer me some advice on what to say to them in the letter.

 

Regards

 

Kamalamrani

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Thanks for you response. Is there like a template letter i could look at or can you offer me some advice on what to say to them in the letter.

 

Regards

 

Kamalamrani

you've written it in post 1. A simple letter explaining the circumstances ie you were abroad so couldn't rectify the situation until your return, etc,etc,


.

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

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