halifax are nasty!!!!!!!!!!

iceicebaby

they are out of pocket for the overdraft of theirs you have spent .......

samb35

thank you

x x x x

Carter_2

I couldnt see they were asking for anybody's help just making a statement how nasty a bank had been. That is their opinion and this is mine, which we are all entitled to.

It is easy to paint a bad picture when you are giving your side of things. I am not perfect and have been in a situation before when things get tight. I wouldnt have thought the bank would just take the money from the bank account to pay off a credit card and cancel the overdraft too unless the situation had got really bad, but again that is just my experience.

They are a business and when you have spent money on a credit card or overdraft they are entitled to get it back, as has already been said.

samb35

overdraft limit 500 monthly salary 1600....... monthly bank charge 450........wudnt go into od if not for charges................
you guys must work for banks


x x x

iceicebaby

Nope I dont work for a bank!

samb35

ok ok forget the credit card... that was 4 weeks ago and arrangements have been made for that.......

just seems that since they have recieved the letter bout reclaiming charges things have gone !!!!!!.......my post was originally on bank charges but was moved!!!!!

our overdraft has been manged fine every month when my wifes monthly salary went into the account..... so all i was saying that they have seen there !!!! and decided to cancel the overdraft since they recived this letter...

and yes you are entitled to your opinion.

Carter_2

Ok. Why dont you ring them and ask why they have removed your o/d facility and if they can reinstate it

samb35

we have spoken to them today and they said they are entitled to cancel an overdraft at any time.... even though this left us totally skint for the bank holiday weekend her reply was not our problem.......

then with a parting comment she said ..."arnt you claiming your charges back!!!!!!

Tori_Bellatrix

samb35 wrote: »

ok ok forget the credit card... that was 4 weeks ago and arrangements have been made for that.......

just seems that since they have recieved the letter bout reclaiming charges things have gone !!!!!!.......my post was originally on bank charges but was moved!!!!!

our overdraft has been manged fine every month when my wifes monthly salary went into the account..... so all i was saying that they have seen there !!!! and decided to cancel the overdraft since they recived this letter...

and yes you are entitled to your opinion.

Have you looked into opening another bank account yet? It's probably best to get a parachute account as soon as poss incase the Halifax close your account after reclaiming ...

Dylanwing

I was there some years ago, and regardless of T&C's, whatever it was that Carter said, it is very callous to leave you penniless. At the time it happened to is, we had a young child, and begging from relatives was humiliating, and had it not been for them, I could not have got to work, eaten etc. The callousness and lack of concern really angered me, how Banks making billions in profit could be so uncaring to long-standing customers - You have no food, may lose your job, cannot pay the mortgage, but hey, it's all in the T&C's! Best of all was the Bank, they bounced 6 DD's totalling about £30, and charged us £180. They explained they bounced them 'because we could not afford them'. Like we could afford 6 X that amount in charges!

We had a happy ending, we moved our salaries elsewhere and RBS were so incompetent chasing the debt that we eventually paid back about 30%, which was even less than the true debt without their charges!

Sorry to rant on a bit, you have my full sympathies, and I hope you can find alternative Bankers quickly, that way you can keep your salary and it puts you back in control for repaying Halifax.