Situation on bank charges?

webbhost

Ive looked across a few sites and found this one, however I also found the problem that they all seem to be fairly out of date? I cannot find information posted since 2007??

Anyway, I got a letter today from Halifax stating I am to be charged £63 for going £20 over my limit... I gave them a rang and they refused to cancel the overdraft fee - even after I stated that I am willing to close all 3 accounts with them, and 1 share dealing account. I also stated that once I have moved banks that I would be more than willing to take legal action against them. - so I will be visting a local branch ASAP (A + L by looks of it) to open an alternative account to deal with my money

Where do I stand legally with this charge? Only information I can find it something about a hold and that refunds are not being given out due to this?

webbhost

also if I ring them back and ask them to postpone the date they plan to take money from account, are they likely to do this for me?

Orford

webbhost wrote: »

also if I ring them back and ask them to postpone the date they plan to take money from account, are they likely to do this for me?

Only if hell freezes over first :rolleyes:

I cannot find information posted since 2007??

See timeline here:
http://www.moneysavingexpert.com/reclaim/oft-bank-charges