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    • Hi, I'd change justice centre to county court. I also wouldn't be including a telegraph article in the bundle. It doens't prove anything law and you don't have distribution rights on it. I also wouldn't personally break down the exhibits on the index page, normally people have a seperate page for this right before the exhibits. The main index page normally just says Exhibits to WX of [Your Name] or at least that's the format I use/see people here use, although really it makes minimal difference.   I also see that despite referencing several judgements you haven't included the EVRi one   paragraph 46 really needs to go imo it has nothing to do with anything. Your in court to apply the law to your case, not to tell the judge about a newspaper that means nothing to your claim.   I also see you've adopted the issues in dispute/not in dispute, which is also known as a scott schedule. if you are taking this approach, for things not in dispute I would say this needs to be things that are agreed between parties, not things like "There is no dispute that I am happy to supply all this evidence which is included in the court bundle." I would say that issues in dispute is to focus on the aspects of the claim that are in dispute, such as whether liability is limited by insurance or not, so I'd be changing that accordingly.   BF should be along shortly to advise on things.
    • J, I just numbered them like that; once the witness statement is made, I'll add it to the pages.   The court date has been set as 02 July 2024. Please find attached V6. I will send an unredacted to the email.  claim budle_V6.pdf
    • I'm afraid that I have tried downloading it three times and each time I am getting an error message. Would you mind scanning it again please and uploading it again. I understand that JK has managed to open it but others may not. Thanks
    • I can see that.   In this case, I'd email both that receipt and your tracking label to evri's small claims email and say that is the information you have.   They'll figure it out from there I'm sure
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Halifax imposes £1 a day fee for arranged overdraft on basic account


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Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged.

 

 

So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced.

 

 

Is this imposing excessive charges or treating customers unfairly??

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Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged.

 

Hasn't this been the case for a while now. Perhaps you've got the year mixed up?

 

So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced.

 

Not true. There is a £10 buffer for which no charges are due.

 

Is this imposing excessive charges or treating customers unfairly??

 

It's subjective. Various consumer groups (I believe Which?, not necessarily CAG) lobbied for overdrafts to have a more transparent charging structure. I suppose the idea is that it's easier to know how much you will have to pay if it's a simple flat daily fee as opposed to calculating it using interest rates etc.

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Bearing in mind these are to be applied to BASIC accounts, surely it is in the banks power to prevent overdrafts occurring?

With today's modern technology there should be no way an account can be allowed to go overdrawn (When on a Basic account with no facilities)

 

It should be simple/

No overdraft request formally requested previous to the payment to be made = Refusal to authorise transaction.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Unfortunately sabresheep it is possible even with a basic bank account. Point of example would be Tesco pay at pump. Tesco pre authorise yr card with a £1 debit, you can then spend up to £99 in fuel and it doesnt show as off your available balance until they request the full payment 2 to 3 days later.

So if u have £1 in your account you can in theory become up to £98 overdrawn, even on a basic account.

Been caught out a couple of times by this just by forgetting I'd filled up and then using my card for another transaction a day or two later.

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A Valid point

 

But then the bank should only pay tesco that £1 and leave the debt with tesco :D

 

They (and everyone else) would soon change their tech to dispence pre paid amounts of fuel only :D Oh look, you just did away with drive offs at the same time :D

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@Sabresheep - the £1 a day fee applies arranged or agreed overdrafts with Halifax. The reason is for timing issues where you need to spend money or are charged early by direct debit (as Vodafone does at times) before money coming into your account clears or there is a delay in clearing.

 

 

If you do not have an agreed overdraft, the charge is £5 a day.

 

 

The point is the cost of the fee and not an interest charged for the "borrowed" money that has been agreed. The cost of processing the overdraft is very small, if this results in a net deficit for the bank's aggregate funds for the day - its interest cost for the day is the SONIA (Sterling Overnight Interest) which is near LIBOR and these are low, plus the charge for 1-day credit risk. Unless the charge for credit risk is very very high as done by Payday lenders, the total amount should not be even close to £1 a day for an arranged overdraft of £1.

 

 

The move is either punitive or an intent to move away from basic current account to one where you have to pay the bank to keep your money.

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Its a handy tool if your skint sabre and you need a bit of petrol just before payday :madgrin:

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However, you do hit on a point I am trying to make - it affects the poor more than the higher income stratas. There are at least three points emerging from this:

 

 

1. Why are they not charging interest instead of fees? The processing costs are much lower than £1 a day and even when added to the interest charge, still lower than £1 a day. Can there be any reasonable justification for a £1 charge on an overdraft of £0.01?

 

 

2. These fees are imposed on overdrafts that have been arranged and agreed with the bank on these basic current accounts; and not on negative balances in those current accounts that have not been agreed.

 

 

3. There is a possibility of these fees being imposed to move customers away from basic current accounts to one where customers are charged for maintaining their money with the bank (which derives liquidity it is required to have by the PRA to operate) and have the inefficiency of the charge hidden by all sorts of bells and whistles that can be better obtained at lower cost elsewhere, even such individually service costs are totalled.

Edited by SabreSheep
Thread tidy - keep to topic please
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Thread tidyed

 

Please remain on topic and remain civil

 

Regards

 

SS

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