Oh damn-what are Halifax like with charges?

Toomuchdebt

Been in hospital recently and was £3 short of a direct debit payment-no overdraft on the account-just had a letter to say they are charging me £39!!!! for not having enough in there.If I go and explain to them in the morning that I was in hospital and pay the extra in to cover the direct debit, will they be nice and refund that charge?

s1h

have you had any before? If not then I would of thought they will refund it without too much hassle.

If you have had charges before then they can see its not a 1 off and prob won't, to be fair they probably get people using excuses like "i have been i hospital" all the time. Not saying yours is an excuse but it will be for a lot.

Toomuchdebt

Nope not had any charges before at all and have had the account about a year so fingers crossed.

s1h

you should be ok then, explain its a one off. If they say they won't refund it then threaten to close your account that should work.

Toomuchdebt

s1h wrote:

you should be ok then, explain its a one off. If they say they won't refund it then threaten to close your account that should work.

Yeah I'm going to see them in the morning...fingers crossed!

gh66

Toomuchdebt wrote:

Been in hospital recently and was £3 short of a direct debit payment-no overdraft on the account-just had a letter to say they are charging me £39!!!! for not having enough in there.If I go and explain to them in the morning that I was in hospital and pay the extra in to cover the direct debit, will they be nice and refund that charge?

I did something similar once with the Halifax and as soon as I realised I rang them up and asked them if they would waive the fee. Because I'd never done it before they did it straight away. You should be ok, let us know how you get on.
Gill

Gordon_the_Moron

If they absolutely refuse threaten to take them to court. They will eventually back down as the charges are unlawful.

Da Moron

Beate

If you have no fun with them, wander over to the Reclaim your Bank Charges thread, where there is lots of useful information on how to get your money back.

Toomuchdebt

Well I went there this morning and explained what had happened and the nice man stopped the charge straight away

Moonbeam

You should get your charge back straight away. If you have telephone banking you can do it that way to save you a trip into the branch - the main trick is to be nice - you catch far more flies with honey than salt (or something like that...):D

Gordon_the_Moron

Moonbeam wrote:

you catch far more flies with honey than salt (or something like that...):D

Hmmm.... well said.... errrr I think

Wouldn't bees be a better word to go with honey though?

Da Moron