Quote:
Originally Posted by garinda
I'm not having a go. I too have been with the Halifax for years, before it was a bank, now in tandem with the Bank of Scotland, and only a Building Society.
The overdraft facility is free, and will prevent this from happening in the future.
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Garinda is quite right the overdraft facility is free and costs very little if you have to use it.
Is this the first time your wife has ever gone overdrawn? If it is you should go into your Halifax branch and ask for the fee to be waived on this occasion - the branch manager has the authority to waive the fee if it is the first time you have incurred one.
On the all subject of bank charges, the majority of current account customers never incur any charges asthey manage their accounts within the terms of the account and never go overdrawn. As a result of the few who do incur penalties trying to get their charges back, it is highly likely free current accounts will go and everyone will be charged a monthly fee for having a current account. Why should the majority be penalised because of the minority.