another £35 charge

mazeing

Hi i dont know if this is the correct board but here goes. On the 17th of Dec i knew that my mobile phone monthly charge would be stopped out of my bank (Halifax) i dint have quite enough money in the account so i paid in £10 to cover it. This morning i have received a letter from Halifax to say they could nt pay it as there were insuficent funds in the accout, i have just phoned the bank and they said the money should have been in the day before as they pay direct debits in the early hours of the morning. is there anything i can do, i am just sick of Halifax taking money from my account that i do not owe, please help
Madeline

ShelfStacker_3

Halifax are correct. They, along with many other banks, require cleared, available funds to be in the day before a Direct Debit or standing order is due out. You can ask them to waive the charge, but if they don't then there's little else you can do, I'm afraid.

Lokolo

^^ as above.

However you can state there were enough funds in the account on the day of the directdebit and its not your fault you can't put cash into your account at 1am or whatever. They may be nice enough to waive the charge (however if its a regular occurance they may just tell you to fob off and keep the charge in place)

rb10

You'll be lucky to get them refunded if you've been charged before. The T&Cs of the account state that you must have money in the account by the end of the previous working day, which you did not.

However, come February they are opening a new current account, the 'Reward Account'. In the press release at http://www.hbosplc.com/media/pressreleases/articles/halifax/2008-12-12-Anewapproa.asp?section=halifax it says that "No charge is made if an account is brought into credit by the end of the banking day." so if you switch to the Reward account in February you should be able to pay in on the day in the future.

realaledrinker

Although the Co-op bank has the same condition, they have never exercised it in my case. I regularly go overdrawn overnight, top up my account in the morning from a savings account with them & have never had a payment bounce or been charged fees.

opinions4u

Useful link. They can't really be more explicit.

http://www.halifax.co.uk/bankaccounts/understandingcharges.asp

"Remember that you need enough money in your account at the end of each day to cover any payments that are due to go out the next day. If you bank online with us, you can transfer money from other accounts right up to midnight. For other amounts you pay into your account (for example, cheques or payments made at a cash machine) you'll need to allow time for the money to reach your account. For cheques this can take several days."

a11waysindebt

opinions4u wrote: »

Useful link. They can't really be more explicit.

http://www.halifax.co.uk/bankaccounts/understandingcharges.asp

"Remember that you need enough money in your account at the end of each day to cover any payments that are due to go out the next day. If you bank online with us, you can transfer money from other accounts right up to midnight. For other amounts you pay into your account (for example, cheques or payments made at a cash machine) you'll need to allow time for the money to reach your account. For cheques this can take several days."

But charging £35.00 :eek:

YorkshireBoy

opinions4u wrote: »

Useful link. They can't really be more explicit.

http://www.halifax.co.uk/bankaccounts/understandingcharges.asp

"Remember that you need enough money in your account at the end of each day to cover any payments that are due to go out the next day. If you bank online with us, you can transfer money from other accounts right up to midnight. For other amounts you pay into your account (for example, cheques or payments made at a cash machine) you'll need to allow time for the money to reach your account. For cheques this can take several days."

Well, the T&C's are "more explicit"...

http://www.halifax.co.uk/HICA/pdf/halifaxtandc.pdf

Condition 21.6 (page 16) says you must have funds in the account the bank working day before.

Condition 1.1, 3rd bullet (page 6) defines a bank working day as "any day between 9am and 5pm which is not a Saturday, Sunday, or English bank or public holiday".

...and seem at odds with the other 'information' you quote.

Extant

The website likely presumes that people know that Saturday/Sunday/public holidays aren't processing and posting days.

Either way, there's probably a statement somewhere in their T&Cs stating them to be the "ultimate" rules and that they supersede any other publication.

opinions4u

YorkshireBoy wrote: »

Well, the T&C's are "more explicit"...

http://www.halifax.co.uk/HICA/pdf/halifaxtandc.pdf

Condition 21.6 (page 16) says you must have funds in the account the bank working day before.

Condition 1.1, 3rd bullet (page 6) defines a bank working day as "any day between 9am and 5pm which is not a Saturday, Sunday, or English bank or public holiday".

...and seem at odds with the other 'information' you quote.

Splitting hairs slightly there. They both say "fund your account the day before or we'll screw you".

ShelfStacker_3

a11waysindebt wrote: »

But charging £35.00 :eek:

It's not like they didn't tell you what they'd charge you for going over before they charged it. You agreed to it, it's in the terms and conditions.