K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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Im with HSBC.. im getting a charge of £50 as my account was overdrawn last month.. I have no overdraft limit. Bascically, they're taking the £50 out on the 25th. But that will put me below 0 again, so I will then have to pay £50 next month too.
If I ring them, and tell them the problem, do you think they will let me off?  
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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ring them
banks arnt even allowed to take charges anymore so you can ask for it back
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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It's true. I got refunded £375 in charges from over the years last week 
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Conway563
Member
Registered: 7th Jun 06
Location: Yate, Bristol
User status: Offline
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they can take a charge of £12 but thats all they're legally allowed to take
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Kez im calling mine now what do i say
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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Tell them you beleive you have been over charged fees and you would like them to look into getting them refunded
Also im sure there was some website you can go on aswell il have a look
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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Hrmm I told her that if i get charged it will take me into the minus again, and then id be charged another £50. She said that if it puts me in the minus and nothing else comes out I wont get charged £50..
So im not getting out of paying it 
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MatthewR
Member
Registered: 21st Oct 02
Location: Rickmansworth
User status: Offline
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even if u have an overdraft can they charge you??
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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got it refunded , guys a fucking arse thou
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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yay ally 
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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how did you get it refunded? do you have a overdraft? i want to ring again! what do I say?
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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tell them if they dont sort it you will close the account and go elsewhere
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Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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quote:
Originally posted by loafofbrett
It's true. I got refunded £375 in charges from over the years last week
they just refunded you automatically?
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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quote:
Originally posted by Kerry
tell them if they dont sort it you will close the account and go elsewhere
Works for me everytime.
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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I have a £50 overdraft, phonebill came out and took me upto £80 overdrawn. I applied for a bigger overdraft and was refused (bearing in mind i have mortgage, credit cards, store cards that have never defaulted)
So basically said, i need a bigger overdraft just in case, £35 is disgusting to charge people, I've aplied for a bigger overdraft and you refused me. If you charge me i will close my accounts (I have 4) and take my money somewhere else
Im a good arguer 
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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quote:
Originally posted by Kerry
tell them if they dont sort it you will close the account and go elsewhere
but I dont haev an overdraft and was in the minus so is that my fault? I really cant afford to give them this £50 as im in debt big time as it is!
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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quote:
Originally posted by Dean_W
quote:
Originally posted by Kerry
tell them if they dont sort it you will close the account and go elsewhere
Works for me everytime.
yes unfortunately as i work for the bank i dont get a choice i have to stay with them so my tactics have to be a little more sly 
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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quote:
Originally posted by K2 GTi
quote:
Originally posted by Kerry
tell them if they dont sort it you will close the account and go elsewhere
but I dont haev an overdraft and was in the minus so is that my fault? I really cant afford to give them this £50 as im in debt big time as it is!
so tell them that and ask for a £50 overdraft
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by Shelly
quote:
Originally posted by loafofbrett
It's true. I got refunded £375 in charges from over the years last week
they just refunded you automatically?
Nah. Since all this stuff has come about that banks can't charge you I started to read up on it and you can claim back all the overdue charges over the past 6 years 
I couldn't be assed doin since years and just did the past 2yrs. I worked it out that I was owed £700 (i used to be horrendous with money ).
So I used that letter template that's floating around and filled in my details and they wrote back to me with an offer of £375. It took like 3 weeks of letter back and forth so I couldn't be assed anymore, signed and accepted their offer
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Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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Thats pretty good then...
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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Brett, where can I find this letter? Im going to send it to Natwest even though the account is closed.... I paid them over £400 in fees
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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For you, Kyle, anything 
http://www.corsasport.co.uk/board/viewthread.php?tid=295096&page=3
There was a massive thread about it all. The letter is about half way posted by Bart. Not the one I used, but similar.
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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I now have an address to write to as they cannot refund the amount over the phone?? hrmm might ring up again.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Problem I had was if a direct debit bounced and the cash wasn't there.
They'd charge me a 'referer fee' £25 plus and overdue fee £30, so I was gettin charged £55 everytime a Direct Debit bounced (used to be a lot )
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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cheers brett... but I got charged loads with Natwest, and ive now closed the account. If I was to claim it back they'd be able to send it in check? Infact, would they even be able to see my account and what was charged as its now closed?
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