7 day charge notices - Banking Code

[ispartacus75]

5.5 states "Before we take interest or charges for standard account services from your current or savings account, we will give you at least 14 days notice of how much we will take."

 

I have had many a letter (all archived) saying that the bank are going to charge me £39 in 7 days for ether a bounced cheque or failed Direct Debit.

 

Does this not fly in the face of the banking code, which Helifax supposedly subsribe to?

 

Or are these charges not classed as 'charges for standard account services'?

[ispartacus75]

Bump

[Bookworm]

Yes, it does. But what's one more trangression between friends?

[aisrael]

This happened to me recently, received the letter notification via email on 25 March, letter was dated 24 March and the charge of £39 taken on 31 March. Normally receive a hard copy via post aswell, but not this time!!

 

Get it while you can my friends 'cos im coming after you!!

[Bookworm]

I got hit today.

 

Halifax mortgages tried yesterday to take a mortgage payment out of the Halifax current account, which promptly bounced... Unsurprisingly, as I had given them 6 weeks ago the new account details from which to take it. And had cancelled the d/d in the Halifax account.

 

So now, Halifax bank has charged me £39 for bouncing the d/d. No doubt Halifax mortgages will also charge me for going into arrears. Thanks to the £39, the account is now £1.27 over the limit. And we all know what's going to happen next, don't we, boys and girls?

 

That's right. I'm going to claim the lot back. Ooooh yes.

[ispartacus75]

Bookworm, if you cancelled the DD the Halifax bank cannot charge you for not paying it. What the mortgage side do is another thing.

 

I have cancelled DD's before if I knew there wasnt going to be enough in to pay the DD and never got charged for it not being paid. I just got a letter vfrom the relevant company telling me that their request for payment had failed.

 

I got hit with a 7 day notice via my online banking which they have taken today and sent me £21 and change overdrawn. I was going to ring them and complain but Im sick of talking to sheep. I will just add it all to the amounts I am claiming.

[aisrael]

I was going to ring them and complain but Im sick of talking to sheep.

 

Nice one

[Bookworm]

Bookworm, if you cancelled the DD the Halifax bank cannot charge you for not paying it.

 

Oh, I know, I know... But to me, it's symptomatic that since it was a HALIFAX mortgage and a HALIFAX bank account, they did it nevertheless.

[ispartacus75]

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