Re: Halifax new bank charges.

Similar thing happened. A direct debit had changed and came out 1 day before pay day. Mind I can understand Halifax not giving me any lee way, after all I have only had my Salary paid in on the same day for 7 years.

I have tried to argue my cause but to no avail. t is impossible anyway to speak to anyone on a personal basis. all you get is a bunch of worker ants who can excersise no discretion. Bye Bye Halifax.

Above post should read 4 days before payday

We got done like this and i created a big fuss with the branch manager in the basis that other banks i have dealt with shows a bounced cheque on the online statement. Halifax dont show any such record and this mean the earliest time to correct a situation of which you may be unaware is totally reliant on the post. In my case two cheques were due to be present within a couple of days of each other and as soon as i saw a problem (by post) i dashed down with cash to correct it. The girl told me explicity that the cash deposit would avoid any problems on the second cheque. Needless to say she was wrong and they tried to charge me another 30! After my "friendly" meeting with the manager he grudgingly dropped the second charge because of the girls mistaken assurance. These sort of practices just show that no matter what legislation is brought in to curtail banks charges they will always find an alternative way to rip off customers via some other route.

There can be no excuse for not showing failed transactions on an internet accout.

Dave

I have just called halifax again, and spoke to someone slightly higher than the worker ants, and have been told that I will be charged for going overdrawn and there is nothing they can do about it(come on). They claim that no notice is required before money is debited and they don't even have to send a letter, although fat lot of good that does anyway as the letter arrives after the debit. Anyway, my question is, if I leave Halifax (they won't let me close my current account until all charges have been paid) ie: not pay any more money in before the charges come out of my acc, do they have any legal recouse to get the money off me.

TIA

Thomas

As other posters have indicated I suggest you refer them to the banking code, or whatever it is called.

It specifically forbids the generation of a charge caused by the the application of a earlier charge (and this is exactly the scam it was trying to stop)

Tim

Probably through informing Experian and Equifax how you have not paid your

2.23 and subsequently you will never be able to obtain credit again. Or less extreme they could go to the small claims court.

Stop yer moaning, it's Standard Industry Practice!

Under the Direct Debit guarantee you should be able to claim a full and immediate refund. Further details on given on

The applicable parts are

"If the amount to be paid or the payment dates change the organisation will notify you normally 10 working days in advance of your account being debited or as otherwise agreed "

and "If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid"

Regards, Zen

- Personal finanance problems solved

Not AIUI if you have signed a variable date or variable amount mandate.

I've never had any success trying to invoke the DD guarantee. Even when the originator of the debit had patently taken the money twice and told me themselves to invoke the DD guarantee. I do believe it was my car insurance premium and the Ins. Co said to refund it under their proceadures would take 'till the middle of January, it was the week before Xmas and the goose was getting thinner every b***** day.

DG

In message , Zen

In message , Dave Hall writes

It was your own fault mate. Take it on the chin.

In message , blib writes

If the terms and conditions which you agreed to contain such charges, then yes.