Halifax overdraft

BobRock_2

PROLIANT wrote: »

Maybe the banks are sick of certain people living in their overdrafts and then proceeding to default losing the bank money - the same muppets then have the ordasity to take the bank to court because they are too thick to manage their money properly and then cry rape in court!

Stupid !!!!!!

You can't be serious?

BobRock_2

opinions4u wrote: »

They'd better have their wits about them then!! :T

Comments I make are to try and help all readers

And this is helpful exactly how?

PROLIANT

BobRock wrote: »

You can't be serious?

Most certainly, why do people continuously do this? Manage their finances badly then expect somebody else to pick up the tab when all goes tits up!
Then some corrupt judge in a court of law votes in favor of the person who is in the wrong and the bank has to pay up - it is all wrong.

gridnutter

I've just lodged a complaint with the Financial Ombudsman. They are going to write to the Halifax on our behalf. We have an agreement to pay back £50/month + interest until our £330 overfraft is cleared (it started at nearly £1000), but now we are facing charges totalling £28 - £31/month. We simply cannot afford this increase. We have never missed or been late with our payments.

I hate the Halifax :mad:

Matty23

I'm with the halifax, Overdraft is at 650 which therefore costs me 30/31 pound a month, It a good idea from halifax, BUT i don't think it should be done a pound a day, More like 50p as it would appeal more to people who are struggling, But heyho i'm planning to get this overdraft gone by the end of the month and pop over to hsbc. Still, i feel sorry for the guys who have massive overdraft and cannot just pay it off!...:eek:

maz1964

gridnutter wrote: »

I've just lodged a complaint with the Financial Ombudsman. They are going to write to the Halifax on our behalf. We have an agreement to pay back £50/month + interest until our £330 overfraft is cleared (it started at nearly £1000), but now we are facing charges totalling £28 - £31/month. We simply cannot afford this increase. We have never missed or been late with our payments.

I hate the Halifax :mad:

hiya and with regard to the non helpful comments from others on this thread i agree with you that you should let the fos take this on for you, by the way it costs halifax for each complaint that fos deals with 450.00 so they really should have sorted this out with you first without you now having to go to the fos, i wish you lots of luck, but stick at it, expecially if you have an agreement

i for myself am going through the complaints proceedure but i will pay it back at the original contract this new contract of their puts me at a huge disanvantage and ive alerted my local councillors of this so will have to see what comes of it, i as a taxpayer have asked that my views are considered seriously, however, im guessing in the long run it will be a long battle but it may even have to go to the fos, but if nothing else im paying it off chunk by chunk but guess my complaint will go to fos too well another 450.00 will be charged by fos to the halifax what a waste of public money i am so cross:mad:

maybe we might have to learn something from the europeans who take to the streets


The other thing ive had my statement today, im still being charged 1.00 a day even if my overdraft and like others say is under 1000 but being charged the same as someone who has 2500.00 overdraft, thus again im being discriminated too so if im to be charged 1.00 a day then give me the 2500.00 overdraft surely then it would be a fairer system in one way, but this way anyone with a smaller overdraft is being charged much more on the apr method than that person with 2500.00

im at a loss at the way the halifax has thought this out

i wonder how many customers have left since dec 09????

take care maz


keep on being positive

Cash_Flow

Matty23 wrote: »

I'm with the halifax, Overdraft is at 650 which therefore costs me 30/31 pound a month, It a good idea from halifax, BUT i don't think it should be done a pound a day, More like 50p as it would appeal more to people who are struggling, But heyho i'm planning to get this overdraft gone by the end of the month and pop over to hsbc. Still, i feel sorry for the guys who have massive overdraft and cannot just pay it off!...:eek:

Does that mean you sit in your O/D for the whole month?

If your finances are that bad you may struggle to pop over to HSBC

Lokolo

Cash_Flow wrote: »

Does that mean you sit in your O/D for the whole month?

If your finances are that bad you may struggle to pop over to HSBC

HSBC are ok as long as you put your salary in and you don't go over your agreed limit. If you do anything else they a) charge you loads b) take away your overdraft.

Matty23

Oh my bad, I forgot i've already got an hsbc account, So tranferring money over to hsbc wont be too bad once i've cleared the overdraft on halifax, and the comment about sitting in my overdraft i must admit i do sometimes as it was only 10 pound a month to sit in it!...but halifax kicked my ***e into gear, less debt for me as it made me want to clear it and not bother with an overdraft, good points and bad points with halifax overdraft fees.

Cash_Flow

Matty23 wrote: »

Oh my bad, I forgot i've already got an hsbc account, So tranferring money over to hsbc wont be too bad once i've cleared the overdraft on halifax, and the comment about sitting in my overdraft i must admit i do sometimes as it was only 10 pound a month to sit in it!...but halifax kicked my ***e into gear, less debt for me as it made me want to clear it and not bother with an overdraft, good points and bad points with halifax overdraft fees.

Everything happens for a reason and like you say the increase in your O/D costs is probably a blessing in disguise.

I wish you all the best for the future.