£25 bank charge for 33p over limit

antijoke · 30 Oct 2009 at 11:27

Jon12345 said:
3. I'm quite sure if you were paid late by your employer by 1 day, so went 33p overdrawn and were charged £200, you would view that as completely out of order. Although the fee is £25, your argument suggests that if it is in the T&C its fine. But its not. There are plenty of unfair agreements out there. Why do you think there is a huge court case over the matter if there wasn't room for doubt?

Get real.

Then I would be taking the issue up with my employer and not the bank, it wasn't there fault.

kylew · 30 Oct 2009 at 11:28

Basher said:
You had Direct Debits you didn't know about!? Completely agree with above.

Jez said:
Rather worrying that you had DD's which you didn't know you had. Again i think you are actually backing up my feelings as to where the weak link lies.

What is wrong with both of you? I have already told you why there was a DD I didn't know about, or more accurately, I knew about it, but according to the phone company, was due to withdraw from a different account. Read my posts first before acting all shocked at what I've said.

Jon12345 · 30 Oct 2009 at 11:30

Yes, its a horrible feeling. But at least its only 7.5 times the amount you went over by. Mine was 75 times.

Jez · 30 Oct 2009 at 11:30

So you did know you had it? Why didn't you therefore cancel it, or at the very least check with the bank that there were no active debits?

kylew · 30 Oct 2009 at 11:30

anticonscience said:
Then I would be taking the issue up with my employer and not the bank, it wasn't their fault.

Which is where the "it's not so black and white" comes in to it.

A friend of mine was underpaid by her work, which they only decided to tell her the day after her bills were due, she ended up getting into charges of £180 because of her employer and they were completely unwilling to do anything about it, as were her bank.

kylew · 30 Oct 2009 at 11:31

Jez said:
So you did know you had it? Why didn't you therefore cancel it, or at the very least check with the bank that there were no active debits?

Because they told me it was due for a different account and confirmed it? As well as my bank trying to tell me that they weren't allowed to cancel DD?

If I get told "no sorry, we can't use that account, it has to be in *insert name*" why on earth would I then check it? They've told me they can't use that account, I'm not then going to go and think they might just be pretending am I? Not then at least, now I might do, but then there was no reason for me to.

The payments had been being made from a different account for a year already.

Jon12345 · 30 Oct 2009 at 11:31

Whatever the reason for the "offence", punishment should be proportionate. Currently, it is more extortionate.

Basher · 30 Oct 2009 at 11:32

kylew said:
A friend of mine was underpaid by her work, which they only decided to tell her the day after her bills were due, she ended up getting into charges of £180 because of her employer and they were completely unwilling to do anything about it, as were her bank.

That's her employers responsibility, she needs to keep on at them.

Jez · 30 Oct 2009 at 11:33

kylew said:
Because they told me it was due for a different account and confirmed it? As well as my bank trying to tell me that they weren't allowed to cancel DD?

So the bank confirmed that there WAS a direct debit set there? You are contradicting yourself with every post :confused:

Basher · 30 Oct 2009 at 11:33

kylew said:
What is wrong with both of you? I have already told you why there was a DD I didn't know about, or more accurately, I knew about it, but according to the phone company, was due to withdraw from a different account. Read my posts first before acting all shocked at what I've said.

So you did know you had it? I'm confused. Presumably you wrote a letter to the telephone people explaining the situation with the view to compensation?

mod1fied · 30 Oct 2009 at 11:33

What if a bank charge caused an account to go overdrawn so they charge you again and snowballs from there on - What can you do here?

antijoke · 30 Oct 2009 at 11:34

kylew said:
A friend of mine was underpaid by her work, which they only decided to tell her the day after her bills were due, she ended up getting into charges of £180 because of her employer and they were completely unwilling to do anything about it, as were her bank.

a) Why did she not check her payslip?
b) She should have kept on at them as it is their fault.

kylew · 30 Oct 2009 at 11:34

Jez said:
So the bank confirmed that there WAS a direct debit set there? You are contradicting yourself with every post

The phone company. THEY told me there was a direct debit due to a different account.

dirtydog · 30 Oct 2009 at 11:34

kylew said:
Which is where the "it's not so black and white" comes in to it.

A friend of mine was underpaid by her work, which they only decided to tell her the day after her bills were due, she ended up getting into charges of £180 because of her employer and they were completely unwilling to do anything about it, as were her bank.

This is why people should have a decent sized OD facility set up, just in case they need it. Or failing that, leave a few grand in the current account as a buffer.

Jez · 30 Oct 2009 at 11:34

kylew said:
Which is where the "it's not so black and white" comes in to it.

A friend of mine was underpaid by her work, which they only decided to tell her the day after her bills were due, she ended up getting into charges of £180 because of her employer and they were completely unwilling to do anything about it, as were her bank.

You know what, that same thing has happened to me. You know what happened? My AGREED overdraft absorbed the cost for a few days. I was then charged a very small amount of interest to cover the shortfall for the few days.

antijoke · 30 Oct 2009 at 11:34

mod1fied said:
What if a bank charge caused an account to go overdrawn so they charge you again and snowballs from there on - What can you do here?

Indeed, it happened to me many moons ago.

kylew · 30 Oct 2009 at 11:35

mod1fied said:
What if a bank charge caused an account to go overdrawn so they charge you again and snowballs from there on - What can you do here?

They're not allowed to stack charges on top of other charges. Or use a charge they've imposed as the reason to impose more.

kylew · 30 Oct 2009 at 11:36

Jez said:
You know what, that same thing has happened to me. You know what happened? My AGREED overdraft absorbed the cost for a few days. I was then charged a very small amount of interest to cover the shortfall for the few days.

So then I should HAVE to have an overdraft? What if I don't have one? Or if they charge a subscription fee for one?

You're talking about yourself again as if everyone else is and should be in the same position.

kylew · 30 Oct 2009 at 11:37

dirtydog said:
This is why people should have a decent sized OD facility set up, just in case they need it. Or failing that, leave a few grand in the current account as a buffer.

Which is all well and good, but unfortunately, I don't have a few grand to put in my bank account.

Jez · 30 Oct 2009 at 11:37

kylew said:
The phone company. THEY told me there was a direct debit due to a different account.

Yes, and in your last post you confirmed that the BANK (who you say are the issue) CONFIRMED to you that there was in fact a direct debit set up on the account for which you had the issues.

At this point you should have checked the second account for whether there was a duplicate direct debit. If it transpired that there was two, you cancel one of them, ensure the funds are in place for the one that was left, and contact the phone company explaining what you have done.