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Twiggy

Member

Registered: 15th Oct 04
User status: Offline

6th Jul 06 at 17:44

£30!

Dave A

USER UNDER INVESTIGATION - DO NOT TRADE

Registered: 10th Dec 03
Location: County Durham
User status: Offline

6th Jul 06 at 17:53

you went overdrawn, it was your fault, the bank have the right to charge.

but try and get the charge taken off as it can work. dont send that letter tho, its bollocks. just ring them and explain. ask why they agreed to make the payment in question if there wasnt enough funds in the account to do so.

John

Member

Registered: 30th Jun 03
User status: Offline

6th Jul 06 at 18:36

The bank don't have a right to charge.
That letter does work if anybody happens to read the site instead of saying its bollocks.

Chump

Member

Registered: 1st Feb 04
Location: Sharnbrook
User status: Offline

6th Jul 06 at 18:42

quote:
Originally posted by John
The bank don't have a right to charge.
That letter does work if anybody happens to read the site instead of saying its bollocks.

Yes it used to work and it may still work with some banks but more and more are starting to act as per my previous post.....

K2 GTi

Member

Registered: 21st Oct 04
User status: Offline

6th Jul 06 at 18:42

i paid about 400 altogether on my other account as they was charging £30 each month..

but it was my fault that i was overdrawn so how do i claim it back?

John

Member

Registered: 30th Jun 03
User status: Offline

6th Jul 06 at 18:45

What the banks are doing is illegal though.
And who cares if the account is closed, there will undoubtedly be a better one to move to anyway.

K2 GTi

Member

Registered: 21st Oct 04
User status: Offline

6th Jul 06 at 18:47

why is it illegal? i paid about £200 off to make the account to 0.00.. i went shoppiong and my other account declined so i used my overdraft on natwest.. then they kept charging and i had to pay £200 back... ive now paid everything off and closed the account down.. can i still claim it/

Corsa Sport Gav

Member

Registered: 12th Feb 03
Location: Durham, County Durham Drives: A6 Allroad
User status: Offline

6th Jul 06 at 19:44

im with barclays also, i went over drawn a few weeks ago and i got a letter throught saying that they'd refund me the £30 charge as it was my first time, since thn i took out a over draft out to stop getting the £30 fine

Welsh Dan

Member

Registered: 23rd Mar 00
User status: Offline

6th Jul 06 at 19:49

I've claimed back £140 so far, and i'm hopefully getting another £980 within the next 10 days or so

Bart

Member

Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline

7th Jul 06 at 06:24

quote:
Originally posted by Welsh Dan
I've claimed back £140 so far, and i'm hopefully getting another £980 within the next 10 days or so

REALLY?

how far back are you claiming? i have been charged alot in the past

Welsh Dan

Member

Registered: 23rd Mar 00
User status: Offline

7th Jul 06 at 08:24

quote:
Originally posted by Bart

quote:
Originally posted by Welsh Dan
I've claimed back £140 so far, and i'm hopefully getting another £980 within the next 10 days or so

REALLY?

how far back are you claiming? i have been charged alot in the past

You're legally allowed to claim back for the last 6 years. If you know your charges, great, if not, just write to the bank and ask for a list of all charges that they've made.

Tommy

Member

Registered: 24th Aug 00
Location: Essex, Colchester
User status: Offline

7th Jul 06 at 11:21

i send numerous letters about this and i actually got my money refunded.

K17STY

Member

Registered: 13th Dec 02
Location: West Lothian
User status: Offline

7th Jul 06 at 11:22

Im plannign on sending one in too, were they ok about refunding it or was it hassle?

Dean_W

Member

Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline

7th Jul 06 at 14:06

Everytime i go overdrawn at Natwest, i ring them or call in and tell them that the charges take the piss.

They always refund it. I have never paid a charge in my life. that's with Natwest BTW.

Tommy

Member

Registered: 24th Aug 00
Location: Essex, Colchester
User status: Offline

7th Jul 06 at 14:15

Well im with NatWest and it was a fucking hassle. Took me two months to get £250 back.

ClaireF

Member

Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline

7th Jul 06 at 14:17

i got charged £39 for not having £1.90 in bank, i rang up and complained and i didnt need to pay the £39

Steve

Premium Member

Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline

7th Jul 06 at 14:22

is this overdrawn of over the overdraft limit, i never get charged for being in my overdraft limit however i went over the overdraft limit one and got charged 30 quid can i claim this back?

Bart

Member

Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline

7th Jul 06 at 14:29

by the sound of it.. yes

Dean_W

Member

Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline

7th Jul 06 at 14:32

quote:
Originally posted by LoudandLow
Well im with NatWest and it was a fucking hassle. Took me two months to get £250 back.

Were talking the odd charges here, not £250.

How the fuck do you get charged £250 for going over you limit.

Steve

Premium Member

Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline

7th Jul 06 at 14:33

multiple charges for each one, i was charged £120 as four DDs tried at the same time, i was charged £30 for each failed one

Dean_W

Member

Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline

7th Jul 06 at 14:41

I hate banks

Carr

Member

Registered: 1st Oct 04
Location: Leicestershire (Home) Ambleside, Lakes (Uni)
User status: Offline

7th Jul 06 at 20:07

Gonna give my bank a ring as i got my first charge for accidently using my old accoutn chequebook which ends in 9317 instead of my new one which ends in 3117 so pretty similar and easy to make mistake. serves me right tho for keepin old accounts open that i dont use.

Bart

Member

Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline

7th Jul 06 at 20:31

well, ive phoned them earlier, they increased my overdraft to £50, and logged my complaints and i should get a call back when im off hols.

Ive told them i want all the charges relating to going over the overdraft for last 6 years

sriangel

Member

Registered: 12th Apr 06
Location: ayrshire, Scotland
User status: Offline

7th Jul 06 at 20:33

ive just wrote a letter to mine regarding a 35 charge for a dd so lets hope it gets waived

mav

Member

Registered: 19th Jun 01
Location: Scotland
User status: Offline

7th Jul 06 at 20:40

I ws on holiday once and went overdrawn, something like £200 in charges when i got home.

They refused to refund them i said right i'm moving my mortgage, they then said we will refund the charges straight away

Halifax / B of S suck though i hate them

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