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Halifax Overdraft

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Halifax Overdraft

Post by Willy on Tue Nov 21, 2017 1:21 pm

First off, so glad I found you guys again. Good knowing you're here xx
Secondly my wife's Halifax account like everyone else's is about to be hit with the huge increase in fees. For her with 5k overdraft the fees increase by about 140 percent. Is this even lawful? She's been paying the fees for over 7 years and as such has repaid well over the initial 5k back in fees. Is there any route to be taken with this mind, ie already paid back in real money and didn't agree to the fee increase or should she just go three letters? Thanks in advance

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Re: Halifax Overdraft

Post by Guest on Tue Nov 21, 2017 1:38 pm

Hi Willy

Welcome to the site.

From what i've seen recently (posts here), the 3 letters are ineffective if you are dealing with the original 'creditor'.

Someone will be along shortly who can actually help you, but in the meantime i can offer (not-completely-informed) opinion on what MIGHT be possible.

Again - and i can't stress this enough - wait for an expert to answer before making any decisions.

Apparently all utilities and bodies offering credit services do so in the form of a 'trust' relationship. However they do not advise you of this and use your ignorance against you.

'Let he who would be deceived be deceived'

How they do this is by treating you (with your implied consent) as the Trustee in the relationship, a role that by rights is to be occupied by the service provider.

This is 'unconscionable' behaviour and, apparently, if you notice them (correctly) that they have been caught out, they will compensate you.....

Good luck.



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Re: Halifax Overdraft

Post by Willy on Tue Nov 21, 2017 1:58 pm

That certainly sounds like fun, thank you

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Re: Halifax Overdraft

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