mark_d
Banned
Registered: 11th Jul 06
Location: Southampton
User status: Offline
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i got a letter of barclays the other week saying that i was overdrawn by a £2.59 and i was wondering why cos i never go overdrawn and always know how much iv got in my bank. so i phoned them up and they said that i paid for something at a BP garage on the 11th july. i remembered exactly what i did that day and knew i hadnt been in BP but nobody would believe me. sad as it sound i even got a bollocking off my mum and even she didnt believe me. well i got a reciept from BP and it says that i spent £2.59 on the 11th of june. this morning i got my statement through and it says that the £2.59 was paid out on the 11th of july so i was right all along. i paid for something with my card on the 11th of june when i had money in and the garage a month later charged me for it when i had no money in. is there anyway i can get my £30 back? and should i just ignore BP or should i give them a mouthful for wasting my time and money 
i knew i hadnt gone overdrawn and no1 believed me 
rant over 
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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just ring up saying your are not wanting to pay that amount just for a 2.95 overdraft. If u have a clean slate with yr bank they might let u off as they did me
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mark_d
Banned
Registered: 11th Jul 06
Location: Southampton
User status: Offline
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quote:
Originally posted by ClaireF
just ring up saying your are not wanting to pay that amount just for a 2.95 overdraft. If u have a clean slate with yr bank they might let u off as they did me
i wouldnt be too bothered to pay the charge if i had gone overdrawn. just pissed off at the fact i had money in my bank when i bought the items. but the garage charged me a month late and that made it go overdrawn
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mark_d
Banned
Registered: 11th Jul 06
Location: Southampton
User status: Offline
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and they did you in what actions? 
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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i rung up saying that paying £39 was a bit much to pay when i was only overdrawn by £1.90 and wasnt happy paying it and they let me of
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Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
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This happened to me, but luckily my mum works for my Bank, and she noticed it before i went overdrawn. you'll have to speak to the bank as im not sure what they will do, but i could ask my mum when shes back from work 
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dave17
Member
Registered: 3rd Sep 02
Location: Greater London
User status: Offline
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Get yourself a £50 overdraft, saves being charged
but dont let it creep upto £1200
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mark_d
Banned
Registered: 11th Jul 06
Location: Southampton
User status: Offline
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liam - il go down to the bank 2moro to express my anger lol
dave -  thats something id do to be honest
claire - 
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DAYZEE
Member
Registered: 13th Nov 00
Location: Stevenage, MR2 Turbo, 328i Coupe, CBR600F
User status: Offline
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Its not the banks fault that you spent their money. You didn't monitor all the outgoings of your bank account you overspent. Sounds harsh but its true.
I think the fine is a bit much for a few quid but if you had gone over by £50 the charge would be the same.....
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Hammer
Member
Registered: 11th Feb 04
User status: Offline
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quote:
Originally posted by DAYZEE
Its not the banks fault that you spent their money. You didn't monitor all the outgoings of your bank account you overspent. Sounds harsh but its true.
I think the fine is a bit much for a few quid but if you had gone over by £50 the charge would be the same.....
so who's fault is it then that you can't read correctly?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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but the point is, the charge which made him overdrawn was from a month earlier...
ring them, worth a try.
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mark_d
Banned
Registered: 11th Jul 06
Location: Southampton
User status: Offline
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i can see what dayzee is saying. i should pay attention to what i spend exactly and should had realised that on the 11th of june £2.59 did not go out of my account but still, BP are in the wrong in my opinion and the bank should see this and let me off. il go in 2moro and let you all know the outcome 
im off out now, but cheers for the help
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John
Member
Registered: 30th Jun 03
User status: Offline
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The bank can't charge you that anyway.
Read barts thread and there is at least one from not long ago.
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Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
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quote:
Originally posted by DAYZEE
Its not the banks fault that you spent their money
How was it the banks money? it was his money, but BP shouldn't have taken a month
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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iv got the lowdown on all this now.
Banks can charge you for the costs it incurs on them for you going over the limit, however £39 or whatever it is is way more than what it costs them, and is in effect a fine. You can only be fined by breaking the law so as such these charges or fines are illegal
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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unless it is mentioned in the small print, which it will be.
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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i know its illegal but £39 for a £1.90 overdraft if u dont have money for £1.90 how u pay the £39
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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With HSBC, they charge you £18 every time you go into an "unauthorised" overdraft, up to a maximum of £60 a month IIRC.
£30 from Barclays is quite steep. If I were you, Mark, I would lodge a formal complaint with your bank, and demand to know why the transaction was not completed at the time. They should refund your overdraft charge then.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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quote:
Originally posted by robmarriott
unless it is mentioned in the small print, which it will be.
no unless you have broken the law they cannot charge you more than what it costs them, as this is then classed as a fine
small print is not law
[Edited on 03-08-2006 by Steve]
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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right, ok.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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btw im not acting clever just what i have heard from a good legal friend
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DAYZEE
Member
Registered: 13th Nov 00
Location: Stevenage, MR2 Turbo, 328i Coupe, CBR600F
User status: Offline
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quote:
Originally posted by LiamD
quote:
Originally posted by DAYZEE
Its not the banks fault that you spent their money
How was it the banks money? it was his money, but BP shouldn't have taken a month
Yes but they did, and I think you'll find they're probably entitled to aswell. Regardless of having the funds at the time of the purchase the date the payment was taken there was £2.59 less than required. Therefore, he spent the banks money. In a perfect world he would have kept all his receipts, did his books at home and know exactly how much he had spent, how much had been taken already and how much was left.
Its a shitty world and things should have gone faster, but they didn't. This is how I learnt not to fcuk with the bank and I'm sure how most people do aswell.....
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John
Member
Registered: 30th Jun 03
User status: Offline
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But the bank can't charge him that anyway so it doesn't really matter.
It is illegal on the bank's part as already mentioned.
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shawboy
Member
Registered: 1st Jul 02
Location: Wombwell, Barnsley
User status: Offline
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this onced happened to me but was jet, i got my £30 charge overturned. didnt use the garage again either.
the bank was HSBC.
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Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
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Just spoken 2 my mum.
She said that BP are entitled to 6 months to take the money from your account, stupid, i know, but they have 6 months.
She said don't go in to have an argument, explain the situation, and she said they might as a good will gesture, get rid of the charges etc.
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