Current Accounts Who Do Not Charge Fees

caela_2

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callum9999

I'm pretty sure that isn't possible - without a montly fee anyway.

The best I can come up off the top of my head is somewhere like First Direct (if you're eligible, i.e. earn enough) where you get a £250 overdraft for free. Just pretend it isn't there and then next time you make a mistake and go slightly over, you won't be charged anything. There may be another account somewhere with a similar overdraft arrangement.

Sam_Malone

caela wrote: »

Hi all,

I don't want an overdraft and want to make sure the bank understands that this means when I use my card and there are no funds, decline it- not weasel in some fake overdraft of 03p to charge me £20 for the 'luxury' of lending me that money. When I have no funds, no funds will come out.


Cheers guys

Here is an idea

If you don't have the funds, don't try and spend them. Then the bank won't charge you. The onus is on you to know how much money you have, and the bank is not there to wipe your nose for you.

If a D/D is late and has not yet been paid leave enough money in the account to cover it. Then when it does get paid you won't go overdrawn.

Halifax have done nothing wrong, and are not a worthless bank

opinions4u

caela wrote: »

Hoping someone can help me here. I've had enough of Halifax charging me 'admin fees' when a DD fails for insufficient funds (especially when that is because the company taking the funds has applied for them so late). Recently they charged me £10 for this when it was not my fault (billing dept. at the company I bought something from was a month late).

It's not the fault of Halifax either.

I asked them to refund the charge and they refused so I said I'm closing my account, explaining I had been with them for nearly 20 years for them to treat me like this. I asked them if they were prepared to lose a long-term customer over £10 and the short answer was 'yes'. Worthless bank.

Maybe they thought you were a worthless customer.

Managing your finances in a way that avoids bank charges is something that can be achieved with most bank accounts.

Sam_Malone wrote: »

Halifax have done nothing wrong, and are not a worthless bank

You haven't seen the LBG share price recently.

Macca83_2

Here we go - its another 'i get charged because i go into an unauthorised overdraft' rant

Good luck finding someone that won't charge you.

caela_2

callum9999 wrote: »

I'm pretty sure that isn't possible - without a montly fee anyway.

The best I can come up off the top of my head is somewhere like First Direct (if you're eligible, i.e. earn enough) where you get a £250 overdraft for free. Just pretend it isn't there and then next time you make a mistake and go slightly over, you won't be charged anything. There may be another account somewhere with a similar overdraft arrangement.

Cheers, I'll take a look now

caela_2

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caela_2

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caela_2

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opinions4u

caela wrote: »

I had the funds available, I purchased something from a company. They didn't take the money and sent me an invoice as if it had come out. I then spent the money over the course of the month, before they applied for it without warning and Halifax charged me. Since it was not my fault, I asked Halifax to refund the charge and they refused saying it wasn't a banking error. I don't go overdrawn in shops and stuff because if the money isn't there, the payment is declined. Halifax have been obstinate in refusing to see that they have the power to revoke a charge given to a loyal customer who was not at fault, but are sticking to their charge because apparently it's not a banking error. Whilst that may be true, it is not my error either, so why should I pay for it? They should remove the charge in the interest of customer service but haven't.

I'm not saying they need to 'wipe my nose' for me, so I don't appreciate that statement at all and you haven't answered my question regarding other banks, so no you're not offering any help, just rude quips about me somehow being incapable of banking.

Did you ask the company who sent the invoice to reimburse your bank charges?

Somewhere between them and your budgeting a foul up happened. But you see to think it's the bamk's fault.

caela_2

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