halifax

[Jenna]

grrrr im fuming, iv got a halifax account but i dont really use it, nothing gets paid into it but iv got a £100 over draft which i get charged about £2 a month for which is fine so i usually just transfer £5 a month in.
Anyway when i checked my balance online they have given me a charge for £26 but i havent gone over my over draft so i called them an they said they have charged me £1 for every day i was in my over draft and in decemeber i was in it for 26 days. So that means each month im going to be charged about £30 a month, for a £100 over draft, what an absolute joke!!!!

[heathers]

i know loads of people who moved from halifax

[thecremellosociety]

i have had a 500 o/d always paid interest of about 6 quid a month always in overdraft im now charged a quid a day hence im now battling to pay off my o/d im not paying 365 per year !!!

[ponymum]

They did something similar to me, so i closed my account, and when my brother pays me my inheritance (alot of money) it wont be going in the halifax

[katherine]

Well avoid Lloyds tsb like the plauge.
I went 0.08p overdrawn last year. They sent me a letter saying they were going to charge me £75 for it.

They did stop the charge in the end but i stopped my wages going in and moved my direct debits to another account. It was only after i did that they changed their mind !!(think they knew they wern't going to get a penny off me !!!

[Ziggy]

We recently moved form Barclays to Halifax because of thier extortionate charges. (I still reckon that it was thier charges that have put us in such financial difficuilties but still)
At the end of the day these banks/building societies are all the same. It is a business and they just want thier money, they have no compassion at all.

[beckie]

Never ever halifax, £3 overdrawn £150 in charges and now its loads more as I wouldnt budge and they are saying the charges are fair!!!!!

[Milliesmum]

Try Nationwide, they charge interest on the amount you are overdrawn, for the number of days you are overdrawn, and it's a lower rate if it's an agreed overdraft. Have only ever paid a few pence in charges.

[thecremellosociety]

Why do people jump to assumptions guys watch what you put on here some troll is making assumpitions on my finiancial well being when we are merley talking about overdrafts which we all use from time to time, though why i need to justify my finiances to anyone is beyond me, we are comfy and happy and have everything we want/ need ...... and are allot better off and happier than alot of people !!!

[mayhem]

The banks have to make money the are not a charity, don't over go over drawn.

[Milliesmum]

The banks make money, purely by having our wages every month to play around with, and if you shop around there are financial institutions who can still make a healthy profit without making extortionate bank charges, so vote with your feet and use one of them! Any bank that stings people with ridiculous charges just because they can are ripping you off.

[proudwilliam]

Be careful of the Nationwide they have only call centres based in Sheffield and are very bad at passing on messages. I never go into town but had to 4 times last year just to the Nationwide to sort out an account I was appointtee of . A B***** nightmare.

[thecremellosociety]

Mayhen anyone lending money should charge for it thats not the issue, not that it is an issue, its the fact they have added to their charges, so I am not complaining about the fact that they have to charge, what they have done is in addition to the interest payment they have recently added a set fee, I was in mine for a short time and got my usual interest charge plus te extra, which when you have the facility of an overdraft this was set that you only were charged the interest so it quite a large jump in charges for those using it when needed

[eskvalleystud]

I worked for Bank of Scotland that turned into HBOS then to Lloyds

they are far from a charity and don't they know it, knowing how much employee time it takes to administer an over drawn account, bounce cheques, direct debits, standing orders etc etc I feel its criminal the amount they charge in charges!!!

I also believe its criminal when someone goes overdrawn by the smallest of amounts that they charge a whopping amount of money compaired to amount overdrawn!!!

I also feel so much has changed in banking now, there used to be a time where they actually managed your accounts, a customer would phone up to say that they will be over drawn and the manager would discuss this and sort out the problem, now they just get finger clicking happy and automatically pile on the charges, I also know that they have no sympathy for anyone in debt, however look what the banks expected when they all ended up loosing so much money

Banks and those that are stupidly paid by them to 'manage' them care only of themselves and not the actual people or businesses that are feeding them with the cash that they go and play with (and play with badly!)

there should be give and take

can you tell I really really hate them and thank god I no longer work for one

[mayhem]

My daughter (a student )was over drawn by accident because she keeps very little in her current account and drip feeds from her savings, so she was charged, when she came home she explained what had happened, we both went into our bank they apologized and repaid it. That seems very fair to me.

[thecremellosociety]

yes be we are talking when you have an arranged overdraft which i have had since i have had the account many many moons its like they have moved the goal posts, im not worried though let them get on with it though is a bit unfair some.

[pigsear]

I'm with the Halifax and have a £500 over draft and have never had any issues at all.

[thecremellosociety]

pigsear have you been into the overdraft as you will get charged £1 per day if you needed to use any of it

[pigsear]

Yes was in the over draft last month for the first time and looked at my statements last night and no penalities occured
Mine is a free over draft if that makes any difference? OH has to pay £5 a month for his (with another bank)
Unless they are calculating my charges as we speak and then mucky stuff will hit the fan!!!!!!!!!

[thecremellosociety]

Pigsear wait and see its normally done a month in arrears and my first one was last month, none of thier overdrafts are free anymore sadly, did you not get sent a leaflet ?? Mine was always free barring if i used it at all then was charged at the most £5.00 and some pence interest a month