Halifax charges

rkh001

How this then? I discovered from checking my bank account on line this morning that I had gone overdrawn by about £18.00 overnight. Straightaway transferred £50 from another Halifax account (with the same branch) this morning. This afternoon I got an email message from the Halifax advicing me that I had a letter. Went into my account, looked at the letter to say that I had been charged £30.00 charges. I was livid.

When I got home this evening, I rang them and asked them the question as to why I had been charged £30 for being overdrawn for less than 12 hours. The woman straightaway refunded the charges "as a gesture of goodwill", without my even saying another word.

How's that then??

milliejon

They were banking (excuse the pun) on you not checking your account. I love online banking. I check my bank every morning religiously and make sure my outgoings match what I think they should be.

That's really not on though.

OberonSH

I swear banks do it randomly just to see if they get away with it. If they try it with 1000 people out of hundreds of thousands, that's £30k they make for hardly any work.

MarkyMarkD

Eh? to the last two posts.

You have to have funds in your account at the close of business the previous day, to meet any payments out of your account the following day.

All this "less than 12 hours" stuff is irrelevant - the cut off is the PREVIOUS DAY.

rkh001

You are right MarkyMark but in this case the DD was taken 2 days early. I am always very careful about having money in the account to cover all DD's etc but I am weekly paid and I can only budget on a weekly basis and if the company decides to take the DD 2 days early, then I am 'stuffed'. Which is what happened and looking at my account and how I manage it, the Halifax will know that I am not in the habit of going overdrawn.

Thriftylady

The fact that you are not in the habit of going overdrawn is probably why they were perfectly happy to refund you without any sort of fight. Presumably its all automated and the charges are applied as soon as the account goes overdrawn (should it be for 12 hours or 12 minutes) but when a human looks at them, as in your case, its obvious that there are exceptions to every rule.

As you say, if the DD was taken two days early, thats not your fault (and I would imagine is in breach of the DD 'code').

Good result !

MarkyMarkD

As Thriftylady says, if the DD is taken before its due date that is the responsibility of whoever took it, not of Halifax, and it should be them who are refunding your charges, not Halifax.

tesuhoha

I got charged £30 by A & L when they were doing an annual review of the overdraft on my current account. I got it refunded immediately but I cant help but wonder what would have happened had I not phoned them.