halifax overdrawn

consumers_revenge

Arrrrgggggggggggg

Paid by wrong checkbook and have gone overdrawn on a reward account. My fault, didnt check as forgot I was issued one.

They have charged me a fiver for going overdrawn. Is this a 1 off charge or do they charge me per day?

marvin

http://www.halifax.co.uk/bankaccounts/rates-rewards-fees/#Overdraft

pinkdalek

Go and speak to them, explain your mistake, be civil, if you've never had any charges refunded in the last year then they will more than likely waive the fee as a gesture of goodwill as it is your first error and they can see from your account activity that you do not regularly go over your limit.

Sharon87

It's £5 per day if you're in your unauthorised overdraft

consumers_revenge

I rang them yesterday and explained I was a donought. She said hold on for 5 mins, ok the charges are gone as its the first time and we all make mistakes.

** fair play to halifax this time **

Sharon87

They did that for me under the old system, they only do it the once mind you.

sweetilemon

Would you not concider getting a small authorised overdraft?It means if you ever do it again its only £1 charge a day.

Tupperware_Queen

I once accidentally paid with OH cheque book - his account, not joint. Nationwide authorised the payment even though it was my sigg and guarantee card no on the back. This sent his account overdrawn, and it took weeks and loads of calls and letters to get the charges refunded.

Just goes to show how carefully they check eh!

consumers_revenge

sweetilemon wrote: »

Would you not concider getting a small authorised overdraft?It means if you ever do it again its only £1 charge a day.

Not sure if you still get the £5 freebie per month? Didnt think you did

rb10

consumers_revenge wrote: »

Not sure if you still get the £5 freebie per month? Didnt think you did

Yes, you do.

The £5 is only dependent on you paying in £1k+ during the month. You can be overdrawn for all or some of the month and still get the fiver.

pinkdalek

consumers_revenge wrote: »

I rang them yesterday and explained I was a donought. She said hold on for 5 mins, ok the charges are gone as its the first time and we all make mistakes.

** fair play to halifax this time **

Told you they would

Sharon87 wrote: »

They did that for me under the old system, they only do it the once mind you.

True but you should be grateful they did waive it in the first instance considering it was not the bank's error.