Groups

    HALIFAX!!! ROBBING BARSTEWARDS!!!

    Received a letter today from Halifax, informing me i'd gone overdrawn, and charges would be applied to the account

    Unauthorised Payment Fee = £35
    Unauthorised overdraft fee = £28

    Total = £63!!!

    Checked my balance, to see how overdrawn i was, 4 PENCE! £63 bank charge for going 4p overdrawn. Robbers.

    30 Comments

    nikkib123;5508910

    Ring up and complain - I have always had my bank charges dropped.Complain … Ring up and complain - I have always had my bank charges dropped.Complain complain and then complain again.Mine you it depends how long you have been with them and as long as you don't do it all the time.



    Yeh they done this to the misses several times.

    Strangely, exaclty the same thing happened to me.

    Is this your first time?

    the abbey are like this too its ridiculous

    thrteaten to leave, they will return all of it as a gesture of good faith, not on

    4p turned into all that wow.

    Banned

    I'm sure ive read something that basically says they cant get away with charging those sort of fees for such a non-descript amount.

    As Nikki said... ring them up and tell them you are refusing and reporting them to the FSA unless they comply.

    First Direct for you guys then!!

    OR HSBC......

    I would take the posts above me adice and complain - but ultimately take your bank a/c eleswhere if they don't reimburse you the charges - that will hurt them more .....

    HONESTLY!!

    I worked for HSBC for over 10 years and this sort of thing was so not the way forward!!

    xxxxxx

    Just out of interest, when exactly did you go 4p over/over?

    Original Poster

    grex9101;5508971

    Just out of interest, when exactly did you go 4p over/over?



    Thursday.

    I already have another bank account, with HSBC, are they are a little more generous with overdrafts, letting small accounts through free.

    I already have a bank charges claim lodged with Halifax, under the financial hardship allowance. They accepted i was in financial difficulty, but declined to pay out, so it's now in the hands of the Ombudsman. That's the only reason the account is still open. I will be closing it immediately after obtaining a refund.

    I will also ring up and complain, whether they will refund or not i don't know, as they keep quoting that they cancelled one many years ago so can't when i last tried a few months ago.

    As most of you know, bank charges are sitting in court accused of being unfair and disproportionate, as they are only allowed to recover costs. Other banks have already adjusted their costs, but Halifax are still milking it for all they can, and have the cheek to go to court and say they are fair!

    Banned

    Been there got the tee shirt! not meaning to pry but do you go overdrawn with them much?

    Original Poster

    gh0108;5509151

    Been there got the tee shirt! not meaning to pry but do you go overdrawn … Been there got the tee shirt! not meaning to pry but do you go overdrawn with them much?



    Not really no, most of the charges were accumulated last summer, when i was low on funds, one payment was taken out just before i put funds in, because Halifax then took some of the money that i had put in, the next one failed, with a number of direct debits having a domino effect, equalling about £300 in a week!

    Other than that, i have 1 or 2 a year, very few.

    yeah just give them a call they will prob drop cant belive they charged you all that for 4p!!!

    peodude;5509254

    I expect a little leniency.Plus, the charge was NOT a Direct Debit. It … I expect a little leniency.Plus, the charge was NOT a Direct Debit. It was a normal card payment, for £10, why was the purchase allowed to go through?



    I did a thread on this a couple of weeks ago.

    It's cos your transaction was under the floor limit and therefore not checked against your available balance. :thumbsup:

    ilovepink;5509315

    :roll: OMG i really hope you never have to go on the dole and fall on bad … :roll: OMG i really hope you never have to go on the dole and fall on bad times jeez


    there is a difference in needing the money and poncing - i am talking about all the people that claim and have no intention of working - not ones on low income or for genuine reasons need assistance

    sn0ttyang3l;5509409

    there is a difference in needing the money and poncing - i am talking … there is a difference in needing the money and poncing - i am talking about all the people that claim and have no intention of working - not ones on low income or for genuine reasons need assistance



    maybe you should say that then, i remember you on my maternity pay thread moaning about people claiming maternity pay to which they were entitled saying they shouldn't get it blah blah blah so i assume that your just one of those who feel like you get a raw deal and take it out on everyone else

    heres the thread
    hotukdeals.com/ite…nt/

    I did the same last year with barclays and was charged £44 and they refused to refund it, cheeky thing was it was a student account and I could of had double the overdraft limit if I wanted.

    ilovepink;5509556

    maybe you should say that then, i remember you on my maternity pay thread … maybe you should say that then, i remember you on my maternity pay thread moaning about people claiming maternity pay to which they were entitled saying they shouldn't get it blah blah blah so i assume that your just one of those who feel like you get a raw deal and take it out on everyone elseheres the thread http://www.hotukdeals.com/item/322642/holiday-entitlement/


    well maybe the truth hurts some people - if you are entitled to it for genuine reason i have no problem people getting it - but it's the jeremy kyle brigade i have a major problem with - at least im not two faced and **** people off behind their backs (and before you start thinking im having a dig at you - if the cap fits then wear it -but its only to those people that know who they are)

    sn0ttyang3l;5509701

    well maybe the truth hurts some people - if you are entitled to it for … well maybe the truth hurts some people - if you are entitled to it for genuine reason i have no problem people getting it - but it's the jeremy kyle brigade i have a major problem with - at least im not two faced and **** people off behind their backs (and before you start thinking im having a dig at you - if the cap fits then wear it -but its only to those people that know who they are)



    :? make you mind up

    ps your making yourself look a right tool

    like you did here ; hotukdeals.com/ite…ol:

    That is a shocking amount to charge for 4p!!! I don't like Halifax much, my bf banks with them and they've always been useless!!

    Banned

    you can claim this back..... see consumer forums for full details and letter templates etc

    ilovepink;5509847

    :? make you mind up ps your making yourself look a right toollike you did … :? make you mind up ps your making yourself look a right toollike you did here ; http://www.hotukdeals.com/item/32264...y-entitlement/ :lol:


    lol you may want to edit that

    Phone up and ask them to reverse it. Its most likely a computer generated so saw you went 4p over and sent the fee.

    Best thing i would do is to call them up and polietly ask them to reverse it as its a one off and was only 4p. Dont do it aggresively etc because its there choice to deem if they should send the leed to get it reversed, and they would do it, but if you got some guy yelling at you, they might decide not to.

    Iv worked at a banking call center before

    grex9101;5508923

    Strangely, exaclty the same thing happened to me.



    http://i376.photobucket.com/albums/oo201/LucasODoinn/34f69042ec345d6a34a6ae09f5a02575f0a.gif

    ilovepink;5509895

    must be a glitch both links are the … must be a glitch both links are the samehttp://www.hotukdeals.com/item/322642/holiday-entitlement/


    that's better - my arguement with that was - finishing maternity then resigning and still wanting to get holiday pay - in my opnion that is not someone who genuinely needs benefits - thats just trying to screw the company - that is not a genuine case for assistance - so you have made a tool of yourself there

    sn0ttyang3l;5509957

    that's better - my arguement with that was - finishing maternity then … that's better - my arguement with that was - finishing maternity then resigning and still wanting to get holiday pay - in my opnion that is not someone who genuinely needs benefits - thats just trying to screw the company - that is not a genuine case for assistance - so you have made a tool of yourself there



    WHEN YOU ARE ON MATERNITY PAY YOU ARE STILL EMPLOYED BY THE COMPANY AND ARE STILL ENTITLED TO HOLIDAY PAY SO WHATEVER IS ACCRUED IS OWED TO YOU WHETHER OR NOT YOU GO BACK TO WORK OR NOT!!

    this is the same for everyone not just those on benefits :lol:

    i dont get why you dont understand, i do genuinly need benefits and whatever you read in the papers or wherever you get your WRONG info from people on benefits are not all well off or on a good thing im actually saving tax payers money carering for my partner myself:thumbsup:

    In fairness, this thread aint about benefits, maternity pay etc but the OP going overdrawn....

    i work for local government dealing with benefits cheques/payments - having the drunk come in at 9.30 every week for his housing benefit knowing he is going to drink it up and then try and get more money out of us because he is going to be evicted for non payment of rent -(it's happened)
    coming in to the office in overalls covered in paint after being dropped off outside my office window from his mates van
    having the woman abuse me because she only got £ 144 uniform allowance (which they have now stopped) and had to come to see me with the cheque so that I could authorise it to be changed for cash and she didn't like it that she had to venture out to the Town Hall
    Like I have always said if you are a genuinely case then you should get it

    Becksdawe;5510069

    In fairness, this thread aint about benefits, maternity pay etc but the … In fairness, this thread aint about benefits, maternity pay etc but the OP going overdrawn....



    agreed sorry to the OP but it really grates on me when people chat carp about something they know NOTHING about
    i have pm'ed the other person and suggested we take it elsewhere

    Going back to the OP...

    I have always had my Halifax bank charges refunded without any problems (probably get one once per year year and is usually my fault). I simply phone up and explain that it was a one-off and they say the charge is correct but as a gesture of goodwill blah blah blah charge will be refunded, I kindly thank them and that is that.

    If they say no, try ringing them up again and again until you speak with someone feeling a bit more sympathetic.
    Post a comment
    Avatar
    @
      Text
      Top Discussions
      1. How dangerous is Donald trump?32178
      2. Just heard this...2 ★★★★★★★★★★★★★★ congrats to all on 392k ★★★★★★★★★★★★★★7764375
      3. ❅☁☁❅ I want☼to talk☼about the☔WEATHER☔no politics☃no religion❅☁☁❅18846233
      4. Meerkat Movies (2 for 1 Cinema Codes) | Official Trading Thread415414090

      See more discussions