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Relegation to Cardcash account, any experiences?

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Just as a side issue, I've noticed in a couple of other postings mention of the Halifax Cardcash account and current account holders being relegated down to this from a normal current account. The usual reason being continually going over an overdraft limit. Generally, in a Cardcash account no overdraft is allowed thus pretty well guaranteeing that the account holder will go overdrawn and incur charges.

Twice now our account has been relegated down to Cardcash level, giving us the dreaded Visa Electron card ('nothing says more about you than your Visa Electron card' - to misquote an old ad) and in both cases our bank charges have increased dramatically. Is this just another cynical way for the Halifax to generate revenue, by exploiting those they deem more vulnerable?

Has anyone any experience of trying to fight and reverse the relegation to Cardcash?

(if this posting is in the wrong forum, someone let me know and I'll post it correctly:o )

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