blonde poker forum

FFS! A transaction of £5.38 took me over my agreed overdraft and now the Bank of Scotland have decided to charge me £20 aswell as a £28 monthly Unauthorised Overdraft Charge.

They are coming off on the 4th and 31st of January - I'm not paying it - £48 for less than a fiver overdrawn.  Farce.

Anyone else experienced this?  Manage to resolve it?

try telling them its ur first time etc etc, if it is there is a good chance you will get it taken off.. telling them ur not going to pay etc will not work, nice softly approach will get rid of it..

gl

yeah happened to me, went in and asked them nicely if they could let me off just this once and they did.

Write to them.

You should get a refund.

The banks are going to court at the moment about their charges, all the high street banks have since restructered their charges since this court case started. Now they charge an unplanned overdraft charge as this is now seen ( by the bank ) as a service rather than a penalty ( which is unlawful ).

My mum recently went overdrawn for the 1st time in years after her pension was wrongly stopped from going into her account. I went into the branch with her and asked to speak to her account manager. I explained the situation and they reversed the charges. So if this is your 1st time for years that you have gone over your limit then try this approach.

I dont advise writing to them as the FSA and the FOS agreed a 12 month waiver on the 28th July 2007 where the banks do not have to deal with bank charge claims.

Thanks for the replies.  Was thinking of writing a letter as I'm no good at face to face combat, but it seems i should go in and speak to them.  £48 is just excessive imo.

Why don't debit cards just refuse the transaction?

Letters to reclaim bank charges as Unlawfull are a waste of time, for the reasons you say above.

BUT - for one off charges, a letter to the bank explaining the situation ususally gets the charge refunded.

Can someone dress as me and go in please?

I reclaimed some bank charges from Nat West - got in just before the stalling tactics "test case" :)

I still have the same natwest account, and have suffered similar sitiations to the OP - twice. - This is AFTER the claim above

2 letters written and got both back within a few days :)

Let the charges come out then call them and ell them you have no money left at all and need the cash for food etc.
It is illegal for a bank to take charges you cannot afford and they will refund everytime!

A VERY bold statement to say the least!

Isnt that what the test case is all about?

But I do know it is illegal to write a cheque WITHOUT having cleared funds.

Test case is about charge amounts isn't it?

I can write a cheque legally with nothing in my account up to the amount on my "cheque guarantee card" cuz it's a "cheque guarantee card" :D

No, the test case is about the legality of the charges.

What will happen is that "all" accounts will come with an "administration charge" - this will probably be montly.

The banks will set this at such a rate as to "cover" the amount they used to collect in bounced cheque and DD charges, so in effect, the people who operate their accounts well will be paying for those who do not.

Just my humble opinion

Writing a cheque that you know you you don't have the funds to pay is illegal no matter what kind of card you hold. Proving it wasn't a mistake might be hard for the banks but i wouldn't try it very often if i was you.

Sandy

write them a letter saying that you are not happy with being charged £48 and when you have finished tell them that your charge for this letter is £48 a mate of mine did it and heard no more from them

MORGAGE FEES reclaim £100s if you've switched or repaid a morgage
have you switched morgage or paid it in full in the last few years ? if so it is likely you weere overcharged by your old lender if so go to moneysavingexperts.com and all the information is there for to reclaim all these fees back