Overdraft arrangement - Halifax

Superbiatch

Having recently set up my own DMP and Halifax agreeing to freezing all charges on my loan, credit card and overdraft I have just logged into my online account to see they have taken out 'last month arranged overdraft fee' £24 and 'last month unarranged overdraft fee' £35

My DMP agreed with them on my 2k overdraft was £11 (their letter is dated 18/1/2011). In the process of setting up my DMP their monthly charge of £12.50 on the account put me over my arranged overdraft and these charges are now mounting as a consequence of that. I did downgrade the account but I'm still over my agreed overdraft.

Is this just going to keep going up or should I contact them in a bid to get it frozen as it currently stands at -£2092.52? :eek:

SB x

GeorgeUK

I would definately contact them and ask them to freeze it. This may just be a crossover from setting up the DMP, but it would be best to get an explanation to them sooner rather than later.

Superbiatch

All sorted. My DMP was set up to go to all my creditors on 29th of each month, but because 29th was a weekend they didn't send til 31st. My payment to Halifax didn't arrive until 1st Feb, so they have kindly changed my payment due date until 4th of each month - phew! :j

GeorgeUK

Great news. Glad to see that there are some banks that aren't just squeezing customers for all they can get.

Superbiatch

They have been really good with me I have to say and even apologised about the fact a default will be put on in 6 months, I was thinking just put it on now and be done with it