Halifax won't let me combine my accounts - any ideas?

[Deleted User]

Hola,
As I've had the main one of these accounts for more than 3 years (which is good for my points score when making new applications), I don't want to get rid of that one if possible.
Here's the deal:
After a relationship breakup, I was left with one account in joint names (I know!!!) from which she paid her part of its debt and her name has now been removed. This account has an overdraft limit of £1,000. I also have my own account with an overdraft limit of £1,500. Both of these have been up near the limit for a while due to employment problems but I'm gradually getting my finances on an even keel again. Both accounts have the same APR on overdrafts.
I wrote a detailed letter a couple of months ago to Halifax to ask if I could increase the limit on my main account to £2,500 and use the extra to pay off and close the secondary ex-joint account, thereby making it easier for me to manage my finances. Those were the reasons I gave, clearly in the letter.
They wrote back with a form letter saying "we can't increase your credit limit to £2,500 at this time" which I felt didn't take into consideration what I was saying I wanted to do.
Is there any way I can get this to happen, aside from applying for a new bank account elsewhere with a £2,500 overdraft limit which isn't likely to be granted anyway?
Cheers.

withnell

Not really, it's totally their choice what they offer you for overdraft!

[Deleted User]

Clearly they're not human then, if I already have a combined £2,500 o/d but they won't grant me one single one, even though I have a better credit score now than I did when I was with the free-spending ex.
Oh well, thanks for the reply, which I supsected was the one I'd get.

CLAPTON

Although I can see that one a/c would be better in some ways, lots of people like more than one, so why is it such a problem to have two a/cs?

Aegis

Deleted_User wrote: »

Clearly they're not human then, if I already have a combined £2,500 o/d but they won't grant me one single one, even though I have a better credit score now than I did when I was with the free-spending ex.
Oh well, thanks for the reply, which I supsected was the one I'd get.

From their perspective you're asking them to transfer a facility with joint liability for the debt to a single person. They're effectively increasing their risk with no gain if they do that, which might explain their response.

[Deleted User]

CLAPTON wrote: »

Although I can see that one a/c would be better in some ways, lots of people like more than one, so why is it such a problem to have two a/cs?

Because I don't want a spread debt. It's more for my convenience to more easily manage my accounts.

Aegis wrote:

From their perspective you're asking them to transfer a facility with joint liability for the debt to a single person. They're effectively increasing their risk with no gain if they do that, which might explain their response.

There is no joint liability; mine is the only name on both accounts now.