Natwest

[snoopy1239]

Does anyone know how to get out of this cycle of charges and why they are continuing to charge me?

[redsimon]

Close account?

[zelda]

HSBC?

[redsimon]

Nat west I think

[zelda]

Each time you go overdrawn they charge you - you could have 3 different debits of £10 each and they charge you 3 times - call them and ask for a breakdown of all charges to your account in the last 5 years because you want to go through legal channels to reclaim them - see what they say...

[snoopy1239]

HSBC?

Yes, Natwest. They keep charging me and I don't know how to make it stop. 

[boldie]

this timeline confuses the crap out of me;

"29 Aug 2008 - £28 paid out

I ring up, they say this for going into the red. I argue, to no effect, and transfer £28 into the account to put me out of the red and back up to 0. They make no mention of any future fines.

I put £200 into my account to cater for any future fines.

30 Sep 2008 - £28 paid out

I ring up, they say this is for going into the red from my previous charge. I argue the toss again, but ultimately to no avail. They make no mention of any future charges.

This surely must be an end to the charges now as I have put £200 into the account to stop that charge taking me into the black...

31 Oct 2008 - £28 paid out"


you put 200 in to the account and that pays for the original (2nd actually but OK) 28£ charge, right?

Then what is the £28 charge on 30-09? A charge for going into the red on a charge they made because of a charge they nullified?

Tell them you'll fight all the charges, write them a letter.

And stop F'ing about and close the account FFS.

[ripple11]

 Go into a branch and speak to a  customer services manager.

[snoopy1239]

Then what is the £28 charge on 30-09? A charge for going into the red on a charge they made because of a charge they nullified?

Tell them you'll fight all the charges, write them a letter.

And stop F'ing about and close the account FFS.

Yes, that's exactly what it is. What the one on 31st October is though I have no idea, but I fear they're going to get me again next month too!!!

I can't close my account at the moment because I have standing orders, pending income, etc.

[zelda]

Go to online banking to see exactly what your balance was at the times of charges...

[snoopy1239]

Go to online banking to see exactly what your balance was at the times of charges...

1st charge = 0
2nd charge = £200
3rd charge = £172

[boldie]

Then what is the £28 charge on 30-09? A charge for going into the red on a charge they made because of a charge they nullified?

Tell them you'll fight all the charges, write them a letter.

And stop F'ing about and close the account FFS.

Yes, that's exactly what it is. What the one on 31st October is though I have no idea, but I fear they're going to get me again next month too!!!

I can't close my account at the moment because I have standing orders, pending income, etc.

I would go into the bank and have a chat with the manager.

Move everything else to another account...

[bolt pp]

Close account?

lol you'd think so

[zelda]

How many debits went out whilst you were in the red?

[sovietsong]

Then what is the £28 charge on 30-09? A charge for going into the red on a charge they made because of a charge they nullified?

Tell them you'll fight all the charges, write them a letter.

And stop F'ing about and close the account FFS.

Yes, that's exactly what it is. What the one on 31st October is though I have no idea, but I fear they're going to get me again next month too!!!

I can't close my account at the moment because I have standing orders, pending income, etc.

moving accounts is much easier than you think, you can get all your direct debits and standing orders by filling in a form.  Natwest are appalling.