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halifax overdraught charges

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hi just a quick query please if anyone can answer, thankyou, i havent had an overdraught facility with the halifax for ten months, they removed it as i was struggling financialy, they wrote and told me so. so if i hadnt the money in the account to pay a direct debit they wouldnt pay it and the people i owed the money to for the direct debit, say my car insurance would ring me and tell me the direct debit had been unpayed and i would pay them over the phone.well seems that a month ago they decieded to pay a direct debit for £150 and have been charging me £5 a day for the privilidge. i rang them told them i didnt have an overdraught and that they had told me this in writting so why had they payed it, how could they allow me to go into an overdraught which i dont have. they said it was my fault and they cant monitor all bank accounts, i said that surely if i dont have an overdraught i dont have one.am i just stupid can banks do this? any thoughts would be good, many thanks george

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im sorry i cant mate i tryed to send you a pm just a sec ago but cant because4 of how low my posts are :/.. if you could get back to me that would be amazing thanks

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Hi George


Banks do appear to have their own rules at times. I had this happen to me once, a transaction took me into a unauthrised overdraft, which I was charged for. Unbeknown to me at the time. I thought that if funds were not avaliable then the transaction would be decliend, apparently not. I have since contacted the bank and set up an overdraft.


You sound as if you have a good case to get your charges refunded to you as you have written documentation stating your overdraft was being cancelled.


Best of Luck!


Victoria x

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hi and thanks Victoria !! im sorry to hear that it happened to you to. im afraid the banks wont give me an overdraught facility,, they want to know you when you have plenty, their not so keen when you dont.all the very best george

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