We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Halifax new bank charges!!
Comments
-
And joining a forum and having your starting post as a rant in capital letters and bold is going to get a nice comfortable response is it?
Bearing in mind the subject matter and especially considering the consumer revenge principle of the web site concerned, one would think the vast majority would be slightly more sympathetic to this new poster.
That being said, one must remember there are a fair few banking brigands and junior establishment bandits who post on behalf of these rather unsavoury businesses on a regular basis.
I don't question these peoples motives to any great extent; after all, stupidity can hardly be considered a motive.
0 -
Bearing in mind the subject matter and especially considering the consumer revenge principle of the web site concerned, one would think the vast majority would be slightly more sympathetic to this new poster.
That being said, one must remember there are a fair few banking brigands and junior establishment bandits who post on behalf of these rather unsavoury businesses on a regular basis.
I don't question these peoples motives to any great extent; after all, stupidity can hardly be considered a motive.
And usually help a lot of posters (including new ones) with a lot of decent, correct information. It's the whiners, complainers and the 'we want our charges back' posters that they don't like.
Bare in mind this part of the forum, as well as S&I and Pensions does not have a lot of contact with the rest of this site and the users are completely different in comparison.0 -
And joining a forum and having your starting post as a rant in capital letters and bold is going to get a nice comfortable response is it?
Firstly not everyone is aware that capital letters are often considered shouting by some. Besides, it is netiquette, not law. If the issue had of been about the capital letters, then the response should have politely pointed it out to the new member. Frankly the issue was nothing to do with the type case..
I'll not continue to respond to this, I have made my point, people should either be friendly and polite, or not respond at all. Just because you have a few posts under your belt does not make you superior or give you the right to talk down to or be disrespectful to others, unfortunately in a lot of cases it seams to be members with high post rates that behave like this. No doubt one of them said members will have to have the last word on this.....go ahead if you feel the urge.And usually help a lot of posters (including new ones) with a lot of decent, correct information. It's the whiners, complainers and the 'we want our charges back' posters that they don't like.
Perhaps they do help, but it does not give them the right to be rude, obnoxious to others, they are not above anyone! Whining, complaining, we want our charges back.........yes, banks do extract the urine, if not they would never have ended up in the high court re: charges, and is it not the banks that helped create this major recession through even more arrogance and poor investment amongst other things. So what you are saying is there is a problem with people venting or complaining about banks. Did Martin not start a topic and campaign to get your charges back, with help of forms etc, oooh that encourages people to moan and want their charges back, so is Martin wrong? and the decent helpful posters dont like him? I rest my case
Forum Etiquette, taken from MSE:
Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.0 -
Another ill informed rant. HBOS advised of this change months ago giving you ample opportunity to shift your accounts elsewhere if you don't like it.
Oh is that all you need to do :j
How ignorant can you be. There are some of us that have been using their overdrafts every day for eyars and been paying the interest no problem. I nver go over my authorised overdraft because I can control my money and dont want to pay the extra charges.
However, these new rules have pushed me up agains the wall and I dont know what I can do. I would love to switch my account as you suggest but I cannot pay off the overdraft. I have tried to open other bank accounts and they wont accept me because I dont have enough money going ionto the account. I was happy to pay the old charges on my 1,000 overdraft which were around 12 pounds per month. Now they are £30 and I have no way of paying it off.
Its very easy for you to just say switch but you cannot do that until you have paid the money. Some of us are repsonsbile but just dont have much money and evey day is a battle. I cannot believe your arroganc with that post. Shame on you.0 -
opinions4u wrote: »Have you got any ability to read their letters or web site? It isn't too difficult to do.
1) They no longer charge £35. That charge has been abolished.
2) The £1 charge is not applied for exceeding your limit. It is charged instead of interest if you are overdrawn within an agreed limit.
3) The £5 a day charge is for being outside your agreed limit. They will even send you a text message the same day to give you the chance to avoid this.
The new Halifax charging structure was brought in as a direct response to silly people complaining about the £35 fees. This is one of the results of such a campaign.
Well, they've replaced one method of charging with another. Do you think they should provide banking services without making a return for themselves?
If they did how the hell would they ever repay the taxpayer?
It was a simple mistake. No need to sound so high and mighty. So patronising.0 -
southantrim3 wrote: »I currently bank with the Halifax and whilst I realise that some don't like the new setup, at least they give you a fiver a month when you're in credit. Granted you have to put in £1000 per month to qualify, but it's heaps better than "most" other banks that have the likes of 0.1% interest.
Also, their customer service is British based which is way better than going through to an Indian call centre (I'm not racist, it's just I can't undestand what they're trying to say half the time.)
Anyway, that's my experience. Oh, I was warned a couple of months before the introduced the new charges. While the interest rates are at their current level, I'll stick with the Halifax. If interest rates and other current bank accounts start to give you a better return, I'll consider moving then (after reading terms & conditions.)
Hardly helpful to the thread. I'm all right jack. How lovely for you.0 -
Totally with you on that one sinbin, if you cant be helpful without being patronising, arrogant, plain rude, then you should refrain from posting on the thread at all.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards