bank charges

gambitt

gambitt

gambitt

Soldato
Joined
18 Oct 2002
Posts
4,378
For years I put up with bank charges when I was a poor student. I paid £34 on several occasions for a failed DD (followed by a £25 charge for the £34 charge sending me overdrawn!). Whenever I pleaded my case to them they outright refused, saying "the charges are correct to the account" and I ended up paying.

Well now they have made a mistake. I spent £74.95 in a shop last week and the money was taken from my account as normal. But a few days later my "available balance" dropped by further £74.95... now I'm pretty sure did not spend another exact £74.95 anywhere :rolleyes: - this 2nd transaction sent my "available balance" into negative figures.

I thought it might go away the next day but 3 days later my available balance is still down by £74.95. Now I got paid today but I am unable to spend the full amount of my wages (which I should be able to if I want to!) so I want to charge the bank for this error. I've heard of people doing this sucessfully. Has anyone else tried this?
 
Wouldn't it be more likely for this error to be on the stores behalf?

edit: Beaten to it. :p
 
If it is the shops fault then fair enough. But if I call the bank and it turns out to be their mistake, then I will have to apply my standard charge of £25 per phone call ;) (£34 for a letter)
 
I've been charged recently £28.00 for going overdrawn on my overdraft (by £3.97) called demanded the money back and they refused

By the way i went overdrawn on my overdraft by a monthly interest figure being debited from my account on the 31st, i was paid the next day.

>| Raoh |<
 
It's not the bank at fault here. When you opened the account you agreed to the charges.

As for the direct debits, you need to speak to the benefactor and ask them what they have been doing. But again, if you have signed a Direct Deebit mandate asking them to take owed money, then they are at liberty to debit this from your account. However, the are at liberty to give you notice of such transactions before the funds are taken.

It's worth asking "advice" from you bank but the but stops with those that took the money, but as I said, if it's money due or overdue and you have signed a mandate, there is not much you can do.

:(
 
RaohNS said:
I've been charged recently £28.00 for going overdrawn on my overdraft (by £3.97) called demanded the money back and they refused

By the way i went overdrawn on my overdraft by a monthly interest figure being debited from my account on the 31st, i was paid the next day.

>| Raoh |<
Click to expand...

I had been recked with bank charges untill 3months ago when i have enough. I told them to return all the charges and not to take any more unless they tell me by "phone call" berfore hand, no letters and if they didnt agree then legal action would be taken. Since then i havnt had a charge on my a/c and i have been overdrawn a few times.
 
Gibbs said:
I had been recked with bank charges untill 3months ago when i have enough. I told them to return all the charges and not to take any more unless they tell me by "phone call" berfore hand, no letters and if they didnt agree then legal action would be taken. Since then i havnt had a charge on my a/c and i have been overdrawn a few times.
Click to expand...

Well i've got the company legal guy writing a letter here atm on the issue so hopefully will be sending that off in a few days time if they refuse i'll close all my accounts.

Its strange really how banks don't give a stuff about their customers really... i can honestly say i've "given" them at least 5 other customers as two of my best friends asked me who to go with when we used to go college and i said Natwest and since then i've told others, but i wont be telling anymore

>| Raoh |<
 
Claim 'em all back! up to 6 years worth ....... see HERE

Note that over £2.5 million has been paid back without a single case going to court.

Read the FAQ on that site to get more advice.
 
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thats the site i was looking for but google didnt seem to want to help me.

They wont go to court as they know they will lose. How can it cost £34 to send 1 A4 page in the post? I would say about £1 no more
 
Have you even thought to contact your bank before getting all uptight about this? It is almost certainly either an error on behalf of the store, or due to accidental replications being processed by the merchant bank. In either case, it can easily be sorted and you wouldn't be liable for any charges.
Even if it doesn't show on your statement, the bank should have systems which will show who a POS transaction is to before it even clears. Natwest/RBS certainly do, as we used to look up things like this for customers in my department.
 
Vixen said:
Have you even thought to contact your bank before getting all uptight about this? It is almost certainly either an error on behalf of the store, or due to accidental replications being processed by the merchant bank. In either case, it can easily be sorted and you wouldn't be liable for any charges.
Even if it doesn't show on your statement, the bank should have systems which will show who a POS transaction is to before it even clears. Natwest/RBS certainly do, as we used to look up things like this for customers in my department.
Click to expand...

Why would anybody want to directly contact their own bank to find out where the problem is when they can just sue them and then all of us other customers can foot the bill instead?
</sarc>
 
stoofa said:
Why would anybody want to directly contact their own bank to find out where the problem is when they can just sue them and then all of us other customers can foot the bill instead?
</sarc>
Click to expand...

I fail to see a point to your post. So you think it's fair that I've paid them many penalties over the years due to my mistakes, but if they make a mistake suddenly the "other customers" are footing the bill? What about the hundreds of pounds they have taken from me in charges? Think before you type ;)
 
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