Quote:
Originally Posted by claytonender
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.
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What a load of rubbish.........The Halifax branch manager has no control over existing personal accounts......if you go into a branch you are directed to use the direct line to a call center.......which you can do from your own home.
Can I assume from your comments that you have never made a mistake on your account and that you are in favour of the bank charging ridiculous and excessive charges for work that is done by a machine?
Our case has been resolved by going through the complaints procedure where common sense prevailed.