Help With The Halifax?

[janzer]

Hi everyone

 

not sure if this should be a new thread actually but anyway.....account will go overdrawn tomorrow and 3 more DD's to come out before pay day which will of course result in 4 x £30.00 being taken. Already have 1k overdraft - does anyone have any experience of asking Hal. to extend o. draft slightly, even just temporarily - heartily sick of this lot!!!!!

 

thanks and best of luck to you all

[jontah 2006]

phone them now.

they may help.

[stonedecroze]

phone them now.

they may help.

 

 

I was about to offer the same advise, Or failing that go in and demand to see the manager, it might work.

[kennythecelt]

As said, both posts gave good advice. Try visiting branch first and discuss situation. If you can, try to demonstrate that you are working medium term on reducing the overdaft, but need an increased facility just now. Failing that, phone the call centre. They can seem more distant however and lack personal side- although you probably know that.

 

Try not to take out a loan, if at all possible, but be aware that they may offer you that as a solution. But, you would then be consolidating alot of your bank charges and paying interest on it. Not a great idea at all.

 

If you get through this, ie immediate overdraft issue, keep posting so we can give help re reclaiming the charges, which are the cause of the pain.

 

Good luck!!

[janzer]

many thanks for advice - will try to get something sorted in the morning - had already began claim for refund of charges - got to lba stage, then the OFT thing kicked in !! previous charges on claim were for 588 - but a further 60 since !!! How come they can have business as usual - ie still raking in the charges - when all claims are on hold to decide if they are even lawful

 

thanks again

 

best wishes everyone

[kennythecelt]

Yes, but then we are the masses- the little people and they are the biggies. Thats why its nice to get them where it hurts and take some of it back when we can,

 

Get in touch with them as soon as possible and remember we are all in the same boat and just average joes or joesses!!

 

Good luck and a tip for you!!