overdraft advice

I cant be arsed to read through everyones comments, but i work for halifax so ill let u no wat i no. Firsty, if you dont have a studet account, your guna get charged interest, it varys with each bank, but you only pay pennies to be honest. You more likely to get an overdraft if youve nevr been over £0. Halifax overdrafts are based on income, and account conduct, also savings within the bank. If you earn around £1000 per month, and have never gone over, you could get a £1000 pound overdraft. HSBC brought in yearly ovd charges when they got rid of their bank charges i think. Each bank has its own way of doing things.
They wont ask you to pay the overdraft back, unless you take the piss and dont pay anything in it, and leave it overdrawn, or if you constantly go over your limit, they may work out an agreement to pay it back.
Best way is to speak to someone, as most banks can over ride the recommended that they keep for you. As far as Im aware, bank charges on halifax accounts dont affect credit ratings, not sure on other banks. Overdrafts do, but if you treat it well it can become a plus. If you account goes into arrears and you have to pay it off, thats a bad bad mark on your file.
Anything else just drop me a PM and ill tell you if I know.

The students probably dont blow over 2k in Ibiza and finance everything by pawning there decks.

Lifes a bit shit and your skint, but buying your lass a laptop for christmas? lol .

Maybe you could buy her something less expensive and she might still appreciate it!

HSBC introduced it about a year ago now I think, may not be as long ago, but it's only if you apply for a new one. If you already have one then they don't charge you, and it is automatically renewed most of the time, it must be against the terms and conditions or something as they probably would if they could. If you want to review it and increase it, then they charge you £25, and they charge it every year it is renewed as far as I'm aware although I don't get involved in overdrafts much

That makes sense then as I've had mine for years.

Was thinking about getting it extended as well - cocks!

they've started being very strict on waiving fees or anything now as well as they now seem to have the opinion that cos they are quite a strong bank since the whole crisis has been going on, they shouldnt have to do anyone any favours! we used to have leeway with mortgage fees and rates but they're not interested any more and won't do anyone any favours

if you bank with barclays that £5 buffer has gone now

if you bank with barclays that £5 buffer has gone now

Ive only got one for £100, I've been over it twice recently like but its my own fault, just going to have to stay in for a couple of weeks to sort it out

HIRAAAAAAAARIOUSSSS!!!

am 400 pound overdrawn and i dont even hav an overdraft. the stupid bank let me keep on takin money out lol. so when i was wrecked i would gladly go and take more money out to keep the party goin lol. now i havnt got a job and every 2 weeks i hav to pay 20 pound off my overdraft even tho i only get 90 pound every two weeks lol.

christ. did you graduate from the carson school of finance?

He sure did. On this note I am wounded. I was also 310 overdrawn on a bank account that only has a 100 overdraft & 60 overdrawn on another bank account that doesnt even have an overdraft, thats 270 in charges in a month. Came straight off my 'not overpaid although it was suppose to be' wages. WOUNDED.

* The letter to Halifax has already been typed out this morning claiming them back, in a bank account I've had for just under 18 month I reckon I'm owed well over a grand in charges.

remember that saga with the oasis tickets i was on about?!?!?! it happened i went £304 pound overdrawn over the week cos the the cunts at www.seetickets.com.

got on the phone and there refunding me but it will take 3-5 days, thus a £22 bank charge

So you get any extra tickets? I might try it now LOL. They 1700 after tax I was suppose to come out with turned into a measly 1030. Fucking bastard manager

Tell them you want one of the tickets you ordered by accident LOL

na mate, my bank would only let one transaction go thru (one x 3 tickets) i knew i would have never ended up with 9 tickets, it was the overdrawn charges i was worried about

Just joking mate, I'll get one nearer the time. As youre probably aware I couldnt give a fuck how much I pay for it