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Question regarding Halifax accounts


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Hi, I'm just wondering if somene can help me.

 

You know if you have insufficient funds in your account on a day when a direct debit is due, and you pay money into the account the same day, am I right in thinking that Halifax will still pay your direct debit?

 

I know in the past this has always been the case. However, yesterday I paid some money into my account to pay a DD, so from about 10am the money was there. Yet tonight, they've emailed me to say they are charging me £39 due to an unpaid DD. :eek::eek: How come? Maybe a sudden change of the rules since I claimed back my charges?

 

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The reason for this is that the banks usually apply debits at the start of business, and credits at the close of business.

 

In other words, what you owe, comes out in the morning. What you are paying in doesn't hit your account until the end of the day.

 

Regards, Rooster.

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I have this problem many times with Halifax. I always try avoid this, but sometimes its difficult when you have various direct debits setup. Especially when they keep changing the days they pay them out. I have actually called the Halifax on a number times to discuss this matter, and have on 2 occasions had this £39 fee wavered. As Roosted stated debits out first thing, credits in last thing.

 

But as a few of you are in the same boat, i have enough of the way I have been treated by the bank since I stared banking with them over 20 years ago. I bed I cannot reclaim all my charges incurred since then. God i would be rich indeed

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I started banking with them over 20 years ago. I bet I cannot reclaim all my charges incurred since then. God i would be rich indeed

 

Now what makes you think that you can't?

 

Have you read this:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland.html?highlight=dusary+v+hbos

 

or even, better - this one http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest-17.html - since I haven't yet reached the end of my road!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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