Shock from HBOS this morning...

tescoshopper

:AWhy don't you arrange a meeting with your branch manager to discuss your future needs.

I have read your thread with empathy and it seems you have been online most of the day getting frustrated with the answers given.

£35 is a big gesture especially for a bank.

See the manager, sort it out and spend the £35 on the children.

Best of British,
Sue
x

tescoshopper

AlisonM wrote: »

My online bank account is now readjusted to a 'returned direct debit' and I have the funds to pay today's bills.

Thank you to all of you who responded to me.

An interesting day.

Super.

That little bit Xtra:p was it Howard who sorted you out ?:D

AlisonM

tescoshopper wrote: »

:AWhy don't you arrange a meeting with your branch manager to discuss your future needs.

I have read your thread with empathy and it seems you have been online most of the day getting frustrated with the answers given.

£35 is a big gesture especially for a bank.

See the manager, sort it out and spend the £35 on the children.

Best of British,
Sue
x

Yes, time to sort a few things out I think.

Thank you for your kind words.

whoneedstoknow

Have you asked the bank if they have warned you about changes to the account? In February, just about every singe Halifax and Bank of Scotland received a letter and booklet describing changes to their account range. The sort of stuff that a lot of people get and throw as junk mail.

However, I'd suggest that they did warn you about it (which is why they are saying they've made no changes without warning) and you missed it.

On banking practise, yes, they do have to tell you and if they don't you have grounds for complaint. You'll have to demonstrate the complaint though and they keep logs of what they sent what when. All they have to do is prove it was sent, not that you received it or read it.

crazyfj

I think its a simply answer, new bank system.

It looked at your outgoings/money coming in and the computer system determined that it should pay it as you would honour it.

Although its catch 22 because you now get charges.

Can you not increase you overdraft? This will reduce you daily charges.

Personally I would complain, a bank has to be equally as responsible as a customer. Hope it works out.

bengal-stripe

crazyfj wrote: »

I think its a simply answer, new bank system.

It looked at your outgoings/money coming in and the computer system determined that it should pay it as you would honour it.

New banking system, yes, but it didn't honour the payment. It just gives the account holder a few hours time, to balance the account.

As this did not happen here, the DD was returned.

AlisonM wrote: »

My online bank account is now readjusted to a 'returned direct debit' and I have the funds to pay today's bills.

Cash_Flow

Thrugelmir wrote: »

The bank has had enough of managing your personal finances for you and called time. As every month your account has required personal overview and manual return of direct debits.

So nothing to with banking practice. With your account now over the overdraft limit. They've placed the matter finally in your court to deal with.

Who are you trying to kid - Computer says yay or nay simple.

AlisonM

whoneedstoknow wrote: »

Have you asked the bank if they have warned you about changes to the account? In February, just about every singe Halifax and Bank of Scotland received a letter and booklet describing changes to their account range. The sort of stuff that a lot of people get and throw as junk mail.

However, I'd suggest that they did warn you about it (which is why they are saying they've made no changes without warning) and you missed it.

On banking practise, yes, they do have to tell you and if they don't you have grounds for complaint. You'll have to demonstrate the complaint though and they keep logs of what they sent what when. All they have to do is prove it was sent, not that you received it or read it.

You are very probably right - does anyone know why these booklets are so difficult to read?

Next time I get one I'll write down my questions about any possible changes and phone up and ask - just to be on he safe side.

Thank you for your thoughts.

AlisonM

crazyfj wrote: »

I think its a simply answer, new bank system.

It looked at your outgoings/money coming in and the computer system determined that it should pay it as you would honour it.

Although its catch 22 because you now get charges.

Can you not increase you overdraft? This will reduce you daily charges.

Personally I would complain, a bank has to be equally as responsible as a customer. Hope it works out.

It seems to have been just a different way of displaying things - giving me a wak up call!

Bank of Scotland have been reasonable with their charges - they very quietly stopped charging for rejected direct debits at the same time as they introduced a daily fee for an arranged overdraft. As long as you are in an arranged overdraft, there is no charge.

simax

I can't wait for the "Halifax have withdrawn my overdraft!!" thread in a few months time.....