Is it me or is this plain wrong.?

[Newmanseye]

So i get my bank statement this morning, I notice that there was a charge levied on my account on the 13th of september and then removed again on the 15th of september ( after i had complained ).  Now i see that the bank is going to charge me for the initial charge on the 13th of september taking me over my overdraft??

Now it seems to me this is daft besides other things, it was their fault the first charge was levied hence the refund so why then charge me for their mistake taking me over mt Overdraft limit?


A serious lacking in common sense or should i go back to bed?

[Jon MW]

Complain and get it taken off, I've had this done to me before and they didn't think twice about removing it after I'd pointed out the circumstance.

It might depend on the bank though.

[boldie]

So i get my bank statement this morning, I notice that there was a charge levied on my account on the 13th of september and then removed again on the 15th of september ( after i had complained ).  Now i see that the bank is going to charge me for the initial charge on the 13th of september taking me over my overdraft??

Now it seems to me this is daft besides other things, it was their fault the first charge was levied hence the refund so why then charge me for their mistake taking me over mt Overdraft limit?


A serious lacking in common sense or should i go back to bed?

I am shocked at the charges british bank can get away with...33£for a failed SO DD or whatever. or 30£ if you go over your overdraft limit...that simply isn't allowed ANYWHERE else in the EU. It is shocking to see what the people will put up with if they don't know any better.

[Rod Paradise]

I am shocked at the charges british bank can get away with...33£for a failed SO DD or whatever. or 30£ if you go over your overdraft limit...that simply isn't allowed ANYWHERE else in the EU. It is shocking to see what the people will put up with if they don't know any better.

They can't get away with them - you can claim back any charge over £12 going back 5 years in Scotland, 6 in England. Check the link.... http://www.bankcharges.info/

[Claw75]

wow - that's a really useful link Rod thanks.

Mr Claw and I have both been whacked with £80 of charges this month.  In my case, one charge of £30 for clearing a delta payment which took me overdrawn by £2, another £30 for clearing direct debit whilst overdrawn (wages paid in next day) and £20 for unauthorised overdraft - hubby's was roughly the same.

£160 between us, we could treat ourselves to a few takeaways on that!

[Rod Paradise]

wow - that's a really useful link Rod thanks.

Mr Claw and I have both been whacked with £80 of charges this month.  In my case, one charge of £30 for clearing a delta payment which took me overdrawn by £2, another £30 for clearing direct debit whilst overdrawn (wages paid in next day) and £20 for unauthorised overdraft - hubby's was roughly the same.

£160 between us, we could treat ourselves to a few takeaways on that!

I'd a mate got £1400 back off his bank, another girl I know is seeing the TSB in court in the near future after they offered her half of the refund they should have been giving her. Remember it goes back to ALL charges in the last 5/6 years.

[matt674]

They can't get away with them - you can claim back any charge over £12 going back 5 years in Scotland, 6 in England. Check the link.... http://www.bankcharges.info/

Boy do i stand corrected - i take it all back!!!

You are useful after all.................

[Rod Paradise]

Boy do i stand corrected - i take it all back!!!

You are useful after all.................

  ... I think 

[Claw75]

been giving this some thought since posting earlier, and it would be really interesting to hear the bank try to justify these charges.  They've never once sent me even a computer generated letter about the charges, and whilst I'm overdrawn they are earning interest off me.  It is very difficult to see that they would actually incur any expenses as a result of my going overdrawn, other than the administrative costs of processing the penalty charges.

[zelda]

I managed to get all charges back, so go for it

[boldie]

been giving this some thought since posting earlier, and it would be really interesting to hear the bank try to justify these charges.  They've never once sent me even a computer generated letter about the charges, and whilst I'm overdrawn they are earning interest off me.  It is very difficult to see that they would actually incur any expenses as a result of my going overdrawn, other than the administrative costs of processing the penalty charges.

the bank cane asily justify the charges all they have to say is

"when you opened up an account with us we told you what would happen in this situation", that works with most people.

 I haven't incurred bank charges since the first time I did and I complained to the bank (I don't have an overdraft and make sure I don't get overdrawn) as I was stunned. I had just moved to the UK to work for IBM and had made a booboo with the date my rent went out. When I found they'd charged me 30£ for missing a DD (which a day later could be taken out) I complained to my branch manager and he told me exactly that "Read the contract Pete, it's all in there". He did refund the charge but mainly because I was a very nice and pollite guy (the fact that he always drank in my pub and we had spent many a night getting drunk together in that first month had nothing to do with it, I'm sure)

I have forwarded the link that Rod posted onto everyone in the company I work for now...so thanks from all of them Rod

[dik9]

Is this Lloyds TSB by any chance?

[Newmanseye]

I have just got off the phone with my bank alliance & leciester and they are not prpared to remove the charges and heres why : (quote) It is my responsibility to ensure that funds are available for any charges levied.

Now what gets me really angry is the initial mistake was made by the bank, they admit thay by  refunding the charge, then they have the cheek to charge me again for THEM taking me over my overdraft for 2 days!!

The staff are cheeky sods, I've decided to move banks and they can sing for their charges, they are getting sod all more money off me!

[matt674]

I have just got off the phone with my bank alliance & leciester and they are not prpared to remove the charges and heres why : (quote) It is my responsibility to ensure that funds are available for any charges levied.

How can you ensure that funds are available for any charges levied if they dont inform you of the charges first?

From now on i think i'd better leave £1,000,000 lying dormant in my account just in case they decide to go on a charges spree without my consent!!

[Newmanseye]

I have just got off the phone with my bank alliance & leciester and they are not prpared to remove the charges and heres why : (quote) It is my responsibility to ensure that funds are available for any charges levied.

How can you ensure that funds are available for any charges levied if they dont inform you of the charges first?

From now on i think i'd better leave £1,000,000 lying dormant in my account just in case they decide to go on a charges spree without my consent!!

Exactly!!