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Yorky2008

Halifax £1/£5 day charges

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Hi,

 

As I am sure a lot of other people have on here I have been hit by th hike in Halifax bank charges.

 

Went they announced they were bringing them in I went into my branch and told them I did not accept their charges and wanted to close the account, obviously they wouldnt let me as overdrawn so informed them that I wished to stick to my old agreement as per agreement when signed up for overdraft. I also mentioned UTCC regs. The woman I spoke to seemed pretty cluesless!

 

Fast forward 2 months and they have charged me the new interest rate despite my meeting with them!!! I am obviously furious.

 

So...

 

1) Has anyone taken them to task on this? If so how did they get on?

 

2) Can I get my extertionate charges back from them considering I have already told them I didnt agree with their new rates and wished to stick to my old agreement?

 

Thanks in advance!

 

Yorky.

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1) Many including myself. Any positive progress in my favour so far? None whatsoever. I get a weekly reminder that I'm overdrawn. I did receive several letters warning of a default, they then issued a default but didn't follow the correct regulations over the timeframe so technically an invalid default. However, it hasn't appeared on my credit record so I'm assumeing that they've either realised their mistake, or it was just an empty threat.

 

2) You never agreed to the new charges, so you don't owe them in the first place and anything they claim to the contrary is null and void. Any charges they have added that may appear on statements are also meaningless. No more than you could write to them and say your account is £600 in credit and that you want to close the account so please send me a cheque. I've told them about 5 times that I don't accept the changes before they started applying the new charges so it's not like they didn't receive any warning.

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Hi Yeti,

 

Indeed, I have already closed the account in question but not before they demanded 2 months @ £30 to close it in 'charges'. I am following it up but I certainlywant my money back off them, I never agreed to the charging regime. I am also thinking of complaining to the FOS which even if it gets nowhere will cost HBOS for my complaint to be investigated!

 

Yorky.

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Hi, i've noticed this also. it was on my last statement saying that arranged overdrafts were now subject to a £1 per day charge until back in credit. I have a bit of a history with this 'bank' over charges (which I believe are panalties) and was extramely dissapointed by the outcome of the test case. Anyway, I opened an account with another bank a couple of years ago and transfered all my banking activity there so I was just trying to reduce my overdraft with Halifax and then this hits me! I have already written to them saying that I could not sustain these charges each month and reduce the overdraft. I'm wondering if this is totally legit for them to do this on arranged overdrafts which are within their limits. I will ppost back when I get a reply.

 

Please Note

 

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

I would always urge to seek professional advice for clarification prior to taking any action.

 

 

Please click my reputation button at the bottom of my profile window on the left if you found my advice useful.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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I’m currently being charged £5 per day for being over an arranged overdraft which I never arranged! £155 was charged to the account last month alone. They’re ringing me daily but I just cannot be bothered to communicate with these idiots anymore, I’d rather deal with the debt company. I’ve had 3 agreements setup which have all been done incorrectly by Halifax staff and I never agreed to the charges in the first place, although they say I did.

Muppets.

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