i ha d 4 pound in my bank account and didnt use it. i recieved a letter from halifax saying i owe them over a hundred pound for overdrawn charges plus interest. they are conning everyone even single parents who are struggling to cope. i am a disabled single parent who cant get out but i will fight them all the way. we cant win as the government own half the banks and since winning at court their fees have trebled this is rediculous i feel like killing myself it is so unfair to everyone it is affecting

I am adding this to a list of complaints against banks which I hope will eventually reach a swelll that drowns their CEO bonuses until practice changes.

My husband was made redundant two years ago. Since that time we have been trying to survive on his supply teaching while I finish a degree so I can also re enter the workplace better qualified. Our bank Halifax is one of the most manipulative sources of bad practice I have ever seen. Won't bore with details. Here's the point. My husband is paid EVERY Friday for his supply teaching. Yesterday, Thursday, our account was overdrawn by 4.00. We could not move money from another account with the SAME BANK that was in credit because the bank had put a block on this account and made it 'enquiry only online'. The electronic letter promptly arrived this morning (the day my husband's wage was paid in by CHAPS payment at midnight LAST night) that they would be charging me 35.00. I want that 35.00 charge dropped.

Much more than that, having working in the conveyancing department of a solicitors where CHAPS payments are made all day every day, I would like someone like Watchdog to name and shame ALL financial institutions who tie up the individual's money for DAYS while they trade with that money under the guise of 'it takes x working days ' (a term that goes back to horse and carriage days). Anyone who works in a CHAPS oriented industry KNOWS that those payments are located to the MINUTE when you close a conveyancing deal... COULD YOU PLEASE PLEASE PLEASE publicise this process -- the banks in effecgt besides getting massive handouts from us now that are visible - continue to take these INVISIBLE handouts of free money to trade on while it stays ' under the radar'... if enough people knew this, we coiuld probably do something lovely like bring down the Chancellor's Downing Street website (oh dear - its off the radar) until SOMEONE with some accountability stops robbing the man on the street.

I have a account with Halifax which is current. on 14th. July I did a debit card transaction of £50.62 when I had £46.76 in my account without any Overdraft facility. The transaction was not denied. I corrected my overdran account of £3.86 of 14/07/08 to a balance of £16.40 on 19/07/08 as soon as I was informed. My bank informed me about this and mentioned that I will be charged £35.00 0n 29/07/08 and again £28.00 on 30/8/08!!

I wrote to their customer service and had a reply saying that i will have to pay these charges ( £63.00) for overdrawn amount of £3.86 for 4 days!! These charges have been now taken from my account.

I am interested in receiving responses to any consumer who currently has a mortgage with the Halifax/HBOS and who pay their house contents and or buildings insurance through them! The reason I ask is that last year we finished paying off our mortgage (which had buildings insurance linked) and for the past 12 years have never received any flyers from them on this subject. Lo and behold the year after we had paid the mortgage off, we began to receive such flyers - however the insurance being quoted on these was over £100 pa less than what we had been paying through our mortgage. Smacks of a rip off to me.

So, anything who can contact me either through this forum or on email at ([email protected]) I would be glad to receive information from them as I propose to take the case to the ombusman - the Halifax deny there is any rip off (but then they would)!!

hi my bank account with the halifax became 10.00 overdrawn in november and now they have added 105.00 in charges too this and l cannot afford too pay this,
please help do not know what too do
chris