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Author Bank charges update Post 21..
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 16:50   View User's Profile U2U Member Reply With Quote
I went 24pence over my agreed over draft, theyve charged me 35pounds for going over this, and 28 pounds for having to pay the 24pence...

so in total £63 charge for going over by 24pence..

Ive rang them and theyve said its my fault which i agree with but surely they cant do this ?

ive found something that the office of fair trading say that a suitable charge would £12 anything over this is classed as unfair..

I can just see me ringing and hitting a brick wall so anyone know anything i can say to get this removed... or some of it.

Thanks.

[Edited on 28-03-2008 by Rob B]
Eck
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Registered: 17th Apr 06
Location: Lundin Links, Fife
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28th Mar 08 at 16:55   View Garage View User's Profile U2U Member Reply With Quote
I'm sure there's a website you can go to, and print off a form or something that will help you reclaim all of your bank charges. IIRC Ojc got more than a thousand back
MatthewR
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Registered: 21st Oct 02
Location: Rickmansworth
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28th Mar 08 at 16:57   View User's Profile U2U Member Reply With Quote
They've stopped all that now
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 16:58   View User's Profile U2U Member Reply With Quote
Stopped all what now sorry ?

I understand i should pay something, but £63 for them paying 24 pence for me is daylight robbery!!
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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28th Mar 08 at 17:03   View Garage View User's Profile U2U Member Reply With Quote
all refunds are on hold whilst the court case about it is ongoing, been going on for ages.

most banks are charging a smaller fee like 12 quid now, so 63 seems very excessive
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 17:08   View User's Profile U2U Member Reply With Quote
going to ring them up then and get it reduced cause it take's there taking piss with that.

I just dont know how to approach it is as i need that money this month badly

[Edited on 28-03-2008 by Rob B]
Fad
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Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
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28th Mar 08 at 17:09   View User's Profile U2U Member Reply With Quote
I had this once went into the branch talked to an assitant who agreed it was a bit silly and she cancelled it there and then
Rebecca
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Registered: 8th Jun 07
Location: Penwortham, Lancashire Drives: Integra Type R
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28th Mar 08 at 17:09   View User's Profile U2U Member Reply With Quote
Which bank are you with?
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 17:10   View User's Profile U2U Member Reply With Quote
With the halifax..
Fad
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Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
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28th Mar 08 at 17:11   View User's Profile U2U Member Reply With Quote
I'm with Halifax too just go into the branch and explain to them the issue
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 17:13   View User's Profile U2U Member Reply With Quote
Might do that tomorrow if i have no joy over the telephone tonight, ill give them "the office of fair trading state this ...." and see what they come back with
Superlite Ltd.
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Registered: 9th Jan 07
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28th Mar 08 at 17:24   View User's Profile U2U Member Reply With Quote
Let us know how it goes Rob. Im with Halifax too
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 17:26   View User's Profile U2U Member Reply With Quote
It happened once before, i managed to get one of the charges of 35 refunded cause they wanted to charge 35 for having to pay the bill and 28 for me going over my overdraft which are the same thing ... ? And she just agreed straight and refunded half of it, but im going for the whole thing this time !
VegasPhil
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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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28th Mar 08 at 17:36   View Garage View User's Profile U2U Member Reply With Quote
Just go into the branch with a level head and explain the situation.

Hopefully a bank with any sense would waive the charge for going over by such a stupid amount. Perhaps ask about having the agreed overddaft extended a little?

Corsa 2.0 16v Vegas - Sold
Colin
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Registered: 4th Apr 02
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28th Mar 08 at 17:37   View User's Profile U2U Member Reply With Quote
Im wondering what would happen if you fucked them off, moved bank & had your wages paid into another account!

Think thats what id do, if they ask why they no longer have your business explain you cannot trust a bank that clearly cannot count & believes 0.00 - 0.24 = -63.00.

[Edited on 28-03-2008 by Colin]
MatthewR
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Registered: 21st Oct 02
Location: Rickmansworth
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28th Mar 08 at 17:45   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Rob B
Stopped all what now sorry ?

I understand i should pay something, but £63 for them paying 24 pence for me is daylight robbery!!


Sorry i meant getting money back from the bank for charges, its on hold or something been going on for a while
Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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28th Mar 08 at 17:48   View User's Profile U2U Member Reply With Quote
If its a one off thing then MOST banks will refund it all to keep your custom. If they wont then you're stuck with waiting until the court case is heard to see if you can claim it back.
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 17:48   View User's Profile U2U Member Reply With Quote
it's happened once before Cunts
John
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Registered: 30th Jun 03
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28th Mar 08 at 17:56   View User's Profile U2U Member Reply With Quote
I don't know why people complain about this unless some company has taken money out when they shouldn't have.

Otherwise just don't go overdrawn
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 17:57   View User's Profile U2U Member Reply With Quote
24 pence overdrawn, and charged 63 quid, ud be happy, as it happens, i was taking to my mate at the petrol pump and i went over by a few pence.
John
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Registered: 30th Jun 03
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28th Mar 08 at 17:59   View User's Profile U2U Member Reply With Quote
I wouldn't be happy but it would have been my fault so i'd have nobody to blame but myself.

I'd not let my balance get that bad that i'd go overdrawn if i put 24p too much petrol in though.
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 18:13   View User's Profile U2U Member Reply With Quote
just rang up, was really nice and polite,

Said ive been charged 63 pounsd for going over my overdraft 24p, ad she goes ill get those charges stopped for you then sir.

haha
Marc
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Registered: 11th Aug 02
Location: York
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28th Mar 08 at 18:18   View User's Profile U2U Member Reply With Quote
I should think so too!
Aaron
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Registered: 9th Aug 04
Location: Cottingham, East Riding
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28th Mar 08 at 18:21   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Rob B
just rang up, was really nice and polite,

Said ive been charged 63 pounsd for going over my overdraft 24p, ad she goes ill get those charges stopped for you then sir.

haha


See, all you have to do is ask.

Now cancel all your direct debits and move them to a different account, along with your wages.....all for the inconvenience of having to make the phone call.

[Edited on 28-03-2008 by Aaron]
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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28th Mar 08 at 18:40   View User's Profile U2U Member Reply With Quote
i asked the guy before and he said no lol

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