From: "blib" 
Newsgroups: uk.finance
Subject: Re: Halifax new bank charges.
Date: Sun, 24 Aug 2003 14:30:37 +0100


"blib"  wrote in message
news:bi9tg9$6uklo$1@ID-197497.news.uni-berlin.de...
> Is anybody else pissed off with Halifax's new method of charging you for a
> bounced payment 2 days after the 'crime'.
> I recently had an unpaid DD, and by the time I had received the letter
> informing me, £30 had already been debited from my account, this sent me
> £2.23 over my Overdraft limit, so I received another letter informing I
> would be charged £30 for exceeding my agreed limit.
> Is this Halifax's way of effectivly 'double charging' for an unpaid item.
> Anyway, time to move bank acc/ mortgage and savings after 7 years, Halifax
> are getting more inhuman and crap everyday.

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