Hi - I was charged €5 for going overdrawn with Halifax recently, but was 100% sure I didnt.
Upon checking it out, I found that it is a problem with their online banking system. I called them and they refunded the charge, no questions asked. The lady I spoke to was not interested in getting the problem escalated and fixed, so am sharing my experience with you guys in case
1) there are any Halifax employees out there that can escalate internally or
2) if anybody else has been charged, you may need to claim it back
Take the following example on pay day, 31st July:
Date ............Transaction Narrative ..............Debit (€) .............Credit (€) ............Balance (€)
31/07/2008 ...Transfer to XX ............................1020 ...............................................2000
31/07/2008 ....Automated Credit .................................................3000 ...................3020
31/07/2008 ...Direct Debit XXX .........................20 ..................................................20
30/07/2008 ...Cash Withdrawal .......................10 ....................................................40
The above is fine, I am in credit. I transfer out most of my salary as soon as it gets paid to an account earning better interest.
But overnight, their system sorts all transactions alphabetically, then date, but the most recent transaction displayed first - not by time and date. So my account appears like this:
Date ...........Transaction Narrative .................Debit (€) .................Credit (€) .............Balance (€)
01/07/2008 ...Referral Fee .................................5 .........................................................1995
31/07/2008 ..Automated Credit ...........................................................3000 ......................2000
31/07/2008 ..Direct Debit XXX .............................20 .......................................................-1000
31/07/2008. .Transfer to XX ...............................1020 .......................................................-980
30/07/2008 ..Cash Withdrawal ............................10 ...........................................................40
one to keep an eye on.
Upon checking it out, I found that it is a problem with their online banking system. I called them and they refunded the charge, no questions asked. The lady I spoke to was not interested in getting the problem escalated and fixed, so am sharing my experience with you guys in case
1) there are any Halifax employees out there that can escalate internally or
2) if anybody else has been charged, you may need to claim it back
Take the following example on pay day, 31st July:
Date ............Transaction Narrative ..............Debit (€) .............Credit (€) ............Balance (€)
31/07/2008 ...Transfer to XX ............................1020 ...............................................2000
31/07/2008 ....Automated Credit .................................................3000 ...................3020
31/07/2008 ...Direct Debit XXX .........................20 ..................................................20
30/07/2008 ...Cash Withdrawal .......................10 ....................................................40
The above is fine, I am in credit. I transfer out most of my salary as soon as it gets paid to an account earning better interest.
But overnight, their system sorts all transactions alphabetically, then date, but the most recent transaction displayed first - not by time and date. So my account appears like this:
Date ...........Transaction Narrative .................Debit (€) .................Credit (€) .............Balance (€)
01/07/2008 ...Referral Fee .................................5 .........................................................1995
31/07/2008 ..Automated Credit ...........................................................3000 ......................2000
31/07/2008 ..Direct Debit XXX .............................20 .......................................................-1000
31/07/2008. .Transfer to XX ...............................1020 .......................................................-980
30/07/2008 ..Cash Withdrawal ............................10 ...........................................................40
one to keep an eye on.