Halifax stopped my 0% rate - venting!

heppy23

mothershipton wrote: »

Aargh....Im so annoyed (mainly with myself) but i went over my credit limit by £200 on my 0% Halifax card and they stopped my 0% rate this month. I had no idea why until i rang and the guy i spoke to said this was a per my terms and conditions ( written in v small writing) .This means i have to pay it all back by the end of sept and not March as i was expecting. I tried to get him to reinstate it as I paid £300 off straight away but oh no its not possible....

Does anyone have any experience of this and have any ideas how i get them to change their mind?

The writing may be small but it still applies.

Try phoning them again and ask them very nicely.

The bottom line is that they are doing you a favour by giving you a special rate, you have to return the favour by keeping to any special terms connected to the special rate.

Thrifty_2

Although i sympathise with you heppy 23 hit the nail on the head

"The bottom line is that they are doing you a favour by giving you a special rate, you have to return the favour by keeping to any special terms connected to the special rate".

You can't have it all! .


You might stand a chance if your a long standing customer of the Halifax and have other accounts with them try grovelling again, but my advice learn from your mistake and move on.

neas

don't rely on credit?

sdooley

coffee_drinker wrote: »

I'm mad too as just discovered on recent statement that Halifax have charged full interest on my 0% 15 month account - when we rang we were told that it was because we were late in meeting the full minimum payment last month - so they took away our benefits, without any warning, and I can't even find mention of the possibility in any smallprint. They also charged us £12. I'm closing the account, and will be claiming back the interest charged. Did you have any luck with the follow up?

I have more sympathy for this poster than the OP - even if you set up a minimum payment direct debit it may not be in place in the month you set it up or even the next one so you have to make manual payments - this is more of an 'oversight' than overspending the limit...

MarkyMarkD

But it's obvious from your statement whether the minimum payment will be collected by DD ... they use non-cryptic wording like

Your minimum payment of £5.00 will be collected by direct debit on 15 September 2008

Assuming that a DD is in place when it is not, is actually pretty stupid.

Coffee drinker didn't set up a DD. That's the problem. Not that a DD was set up but wasn't ready in time for the payment due.