Taxis 2008 diary..here we go

taxi73

Hi all..have shut all my savings pots(not much in them) with the halifax and transferred what little there was into my current account with them.I will shut my ISA and other current account with them in branch as can't be done online.My Halifax CC will be shut as soon as physically possible.
Then as soon as I have enough money to make up for the !!!! ups that may occur during setting up another bank account I'm off.I have 2 loans with them but they can collect from a new account.
So feel I've done something positive..not much I know..but makes me feel slightly better.

Seaxwyn

Hi taxi - argh! I do so sympathise with you. I had my lightbulb moment when NatWest reduced my overdraft from £5k to £2.5k overnight with no warning. It is a terrible blow when you've been a good customer.

A word of warning though - I think if you have paid into an ISA this financial year you can't open another one, so you might have to stick with the Halifax one. Check this out as I may be wrong, but I'm pretty sure you can only have one in any year.

Keeping_Motivated

Don't blame you for shutting everything down with Halifax because that stinks! No warning, no negotiating thats no way to run a business infact its absolutley ridiculous. And if you have been a good customer for 11 years for them to say there is nothing they can do to put the OD back is beyond words, I don't believe they can't change it! No wonder you are fuming. The only saving grace is that when you pull things together you can move and you do have the choice which would not be the case for a lot of people they do this to.

Hope you manage to sort things quickly. Have you looked on quidco for a new account to try and make some money there?

Take care
KM x

ZTD

Seaxwyn wrote: »

Hi taxi - argh! I do so sympathise with you. I had my lightbulb moment when NatWest reduced my overdraft from £5k to £2.5k overnight with no warning. It is a terrible blow when you've been a good customer.

A word of warning though - I think if you have paid into an ISA this financial year you can't open another one, so you might have to stick with the Halifax one. Check this out as I may be wrong, but I'm pretty sure you can only have one in any year.

You can transfer them wholesale. But this is different to taking the money out and putting it back in.

bubbles0169

ah taxi im sorry
f in screwing banks! its probably because you are such a good customer that its the reason they have taken it off you, they cant charge you much with an overdraft can they? but... take it off you, watch all the dd's go out and bam your over so you can be charged. screwin f in banks!!!!!!!!!!!!!!!!!!!!!!
sorry that wasnt very useful was it...ok...
imo you have done the right thing in taking your business elsewhere!
was that a bit betterxxx

taxi73

Thanks everyone...you'll be pleased to know that the ISA hasn't had anything paid in it this year at all so when i shut it I can open another one elsewhere.It is exactly because I am a good customer they actually said " that I don't need a £5k overdraft as I very rarely go into it and when I do it's only by about £500"....I explained about the car crash but they weren't interested.I think they have been extremely evil in my case.They won't be getting any bank charges out of me as I will have the cab on the road 24 hours a day from tomorrow.
I will do 6am-6pm and DH 6pm-6am....this will go on for at least a month.
I really can't make my mind up which bank to use as they all have bad reports.I deal mainly in cash for depositing so have to use a branch...I also want internet access...Halifax used to be excellent until they joined with BOS and have gone downhill since.
I will survive this...I will be putting all spare money in my offset account..my mortgage is with Abbey but I hear their banking is quite bad...don't know where to go.

bubbles0169

i know everyone o the banks have a bad story but im with lloyds, i went over by a couple of pounds but got charged over £30 so went in and they refunded me, and in the past when ive not had enough money they have paid stuff for me(well they have done it alot but now im on here im much better with money so i dont let it get like that!)
so ive only got good things to sayxx

boredofbeingathome

Wow when you are determined you are determined. I really think that someone should be taken to task for misleading you like that, as by their admin muck ups you may have found yourself in the quagmire..well and truely. Obviously at the moment they have no customer loyalty and therefore it is their loss..and i reckon folk will be leaving by the thousands..they also forget that it is a buyers market out there.I would look at Martins guides on the bank accounts and then make up your mind after.

taxi73

Thanks you 2 ..I will have a really good look about before deciding.That sounds great that you no longer get overdrawn Bubbles...great this site isn't it?
Bob...you are right I am really angry on two points....the fact that they did it at all and the fact that as soon as I got the letter I phoned them and the guy on the phone had supposedly sorted it..he had to a point as it showed on my account and then disappeared.!!!!!...
I feeling changing it on the 23rd of the month was also stragetically planned as I have nearly £2k of bills due out between the 27th and 2nd....so they were hoping for bank charges..maybe!!!!!!!!!!!!!!!!!!!!!!!!!
Have to go as going to work at 6am ...have a good day all xxx

hypno06

Make way for a woman on a mission........:T

good for you for "working" your way out of this problem, and not letting it run away with you...but (and I will say this in a very stern mother-like voice)...make sure you don't over do things. Pace yourself, relax when you are not working, laugh, and eat properly xx