bexx
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oh no i would go INTO the branch and ask them to please take the charges off. they can do it ! tell them you will pay the extra in but can they help you out ? good luck it is hard for lots of people at the minute. Keep going x |
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zarn
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Talk to the bank, and raise several things:
1) You can ask them to waive the charges as a gesture of goodwill; bit of a long shot
2) Demand that they explain the "double whammy" they've hit you with.
3) Remind the bank that their charges have to be "fair" and "cost reflective", and are not permitted to be punitive. This is a legal requirement under the "Unfair Terms in Consumer Contracts" regulations. Push them hard on this, using the terms I've put in quotes here - the banks are terrified of this one, and are in the Courts about it now. They won't admit you're right, but you might get them to reduce the charge (they'll call it "good will") rather than risk you taking legal action.
4) If you really want to push it, take them to the small claims court (the staff are v helpful) to push point 3 above. |
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Twat
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Bank charges in the UK are not allowed to be punitive. They must only represent a fair charge for the extra work your oversight has caused them. Ring the bank and tell them that you will write to the financial ombudsman for "fining" you because "fining" is not allowed in contract law. |
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sweetie s
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That is a pain. They have done that to me before. I just arranged an overdraft with them just incase it ever happens in the future, so Im covered.
As for the money - i doubt u'll get it back now. U can only try tho! Good luck.
P.S. The logic is they get money from u! |
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Lily B Talus
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Argue this out with the bank it seems very unfair. |
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luludoodie
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Complain. If you have a decent record they will probably cancel/reduce the fee.
HOWEVER you knew there wasn't any money.....
Remember Banks have to make up all their lost profits from recent bad investments. This type of charge is a nice easy profitable way to do it.
Beware for the future!
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Martin T
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Either go to the press or threaten to. Banks do not like being publicly branded as unfair - even though they will be unfair if they can get away with it. |
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GreatFish
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This is a trick banks will try to slip by customers occasionally. They charged you once for overdrawing your account, and then a second time for returning the item, but they are only allowed to charge for one or the other. If you let them know they'll remove one of the charges. |
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Pickle
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Go in and talk with them....this happened to my friend with Barclay's and they sorted it out and refunded him the money and gave him a larger over draft which he wouldn't be charged for.
If it were me if they didn't help change banks and shop around....why don't you arrange so that your bills come out a bit later....maybe the 10th of the month so you know whether you will have money or not.
x |
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mstr_gekko
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Well, maybe if you go to skool and get edukated you can write and axs them or a new imployor to gets a new job? |
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