We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Need to make £100 quickly!

I felt so proud of clearing my Halifax OD last month, however just logged on now, just to check! And £95 of charges has been taken! I need to make roughly £100 as soon as possible to get this away so I dont get charged anymore! Any ideas? Im on ebaying/gumtree/swagbucks. Going through all my belongings! Ahh! x
Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£2025

Comments

  • fresh-air1
    fresh-air1 Posts: 40 Forumite
    can you not speak to the bank and see if they will refund the charges for you, sometimes this works
  • just.me_3
    just.me_3 Posts: 46 Forumite
    fresh-air1 wrote: »
    can you not speak to the bank and see if they will refund the charges for you, sometimes this works

    Agree with this. If you've a proven record of paying in money to repay the overdraft, I'm sure they might be able to help.

    Halifax once refunded me £300 in charges when I set up my own repayment plan with them, so it's worth ringing them up.
  • katy_ann
    katy_ann Posts: 1,094 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I might try that :) Thanks!
    Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£2025
  • krustylouise
    krustylouise Posts: 1,501 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I agree I had £48 refunded on Thursday. Worth a shot, especially if you haven't had a refund in the last 6 months

    PAD 2023 Debt total as of Dec 2022 £18,988.63*April £17,711.03

    Halifax CC £3168.21

    Halifax loan £6095.47

    Car finance £7639.02

    Next £0/£808.33


    #22 - 1p savings challenge 2023 £166.95/£667.95

    Saving for Christmas - £1 a day savings challenge 2023 £50/£1000

  • Ulster Bank refunded me £246 worth of charges last year because well it was their fault but its worth a try.
    "All truths are easy to understand once they are discovered, the point is to discover them."


  • I think the key is to say you are in difficulty with debt and cannot afford to meet your living costs, they then have a policy to support you and sometimes cancel charges that would apply if you were not in this situation. :-)
  • The_Boss
    The_Boss Posts: 5,871 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    katy_ann wrote: »
    I felt so proud of clearing my Halifax OD last month, however just logged on now, just to check! And £95 of charges has been taken! I need to make roughly £100 as soon as possible to get this away so I dont get charged anymore! Any ideas? Im on ebaying/gumtree/swagbucks. Going through all my belongings! Ahh! x


    £95? What was that for? Seems huge unless it also includes interest.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.1K Work, Benefits & Business
  • 602.2K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.