(Untitled)

[tashibot]

Awww what?!

A few days ago i went £3 over my agreed overdraft, so transferred £40 into the account which went through on the same day.

Halifax have sent me a letter saying they're gonna charge me £63 of fees for that £3.

How can that be right? Must be a way to appeal it T_T

Comments

[loki128]

It's happened to me. I've had to pay Halifax nearly £200 in charges at the start of the year, which is why I don't have very much money right now.

You can phone and complain, and they may cancel one of the fees (usually the £28 'unauthorised overdraft' fee) as a 'good will gesture'.

Past that, there's some advice on the BBC's Watchdog website.

[anonymous]

Phone 08457 203040 and explain what happpened. If you managed to transfer the money into your account on the same day you went overdrawn then you shouldn't generate a charge. However, remain pleasant about it but make it clear that you need that £63 to live on and as it's your first set of charges, they _might_ just reverse both of the charges.

Worth a shot, but do it before the money comes out of your account.

[jaydrive]

I think Myst of DDR found a place that did template letters for complaining about bank charges that seem to get results, maybe you should ask him.... not sure, but it was a while back.