Feudalserfer
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Once. Just after I started working in 1981. They tried to charge me £50 for going overdrawn by £10. A friend of mine went overdrawn for a day (it was on the 15th of the month, the same day we get paid.) We reckon she was overdrawn for five hours. They sent her a letter demanding £100. I wish I could tell you that she closed the account, but the banks depend on us all finding it too much trouble. They've become little better than muggers. And at least a mugger doesn't keep you on hold for ten minutes while you try to access your own money! |
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TONYA S
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I have been charged by a bank for going over my overdraft. It was truly their error but I had to pay the price even after I showed them it was their error. I had to eventually switch banks. It has been hard but I had to do it. Now I am looking still for yet a better bank. The one that I went to is a little better but does not leave any chances to be .01 overdrawn. They will issue a warrant and will charge you 35.00 plus you have to pay the retailer or whomever you wrote the check out to their costs also. |
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welshwife
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i know what your saying.
evry mont for a year the bank charged me £50 for going over my overdraft a day before i got paid on a D.D i had set up to go out two days after i get paid.
i am now in the middle of THEM taking me to court coz i refused to pay them the money.
i am now up to my neck in debt!!!!!
bloody banks!!!!! |
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char j
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i had a nightmare with abbey national. They charged me over £900 in a 3 month period for being over drawn.!!! i was never more then £100 quid over my overdraft limit, but each month they charged me i couldn't pay back the charges!! i changed my bank account and still owe them the money now!!!!!!! |
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John16
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Every time my bank charge me for an overdraft I richly deserved it. My credit card company, Discover, was giving me bogus charges. When I questioned it, they not only took off that charge for that month but credited me for every month going way back. It wound up like a 100 dollars. |
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Leo Lion
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Here in the States most banks have overdraft protection for customers which is a form of lending money when you overdraw your account.
Otherwise, a charge of $30.00 is common, and many banks today are like sharks ready to attack when you falter with your account.
They are so intense (the banks), that they actually force people to go bankrupt by their charging of late fees and overdraft fees.
I believe something like 1.2 million Americans filed for bankruptcy last year.
Even Donald Trump filed for bankruptcy...actually several times, and comes out clean and starts all over again.
They used to have a debtors prison.
Bankruptcy became a joke. |
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Gungnir
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I was amazed to see on the BBC how the british banks are abusing those charges! I live in the Nretherlands, and have a frequent overdraft, but the charges are really peanuts. |
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DutchGirlinOregon
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I wish they'd do something about that here... my bank charges $34 for overdrafts. I've literally, on numerous occassions, had a $34 charge for going $0.20 over my limit.
They'll also charge you for every single time, so I've had times where I didn't realize my account was empty, and came home and checked it, to find five charges of $34, for 5 transactions that were all like $1.50, $3, $2.50 charges at 7/11 or something, it's insane.Total spenditure of under $10 over the limite, yet $170 in overdraft charges!
They've also charged me overdraft charges for amounts that were accidentally taken out of my account twice by a company, and then reversed before the charge came through, simply because it was 'authorized' on the account! |
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suckaslug
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I was charged just recently. My bf sent a cheque for £20 to Capital One but he post dated it so it was really his fault. So they charged me £20 late payment fee, £20 to stop the cheque and another £20 to return the cheque to us. I can't remember exactly what each £20 was for but I know I was charged £60 plus my original £20 I was trying to pay. |
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roadrunner
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yea i have H.S.B.C charged me £55 for being £2.18 overdrawn.then when my account got frauded i reported it i got got 9 different charges in 6months they took nearly £1000 off me this bank is bunch of crooks |
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JeffE
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I have, several times. |
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binksiesbaby
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if honest people have to pay say £20 quid for prearranging an overdraft, why should others get to go overdrawn and not get charged anything. Banks aren't government agencies giving free handouts they are businesses.
Even your name "Free Parking" implies that you are on a quest to get a free ride in life at the expense of others. Go get a job and pay your bills on time. |
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jannie
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a few times but the charge is only 5 dollars a month |
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karen
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It all depends on the fine print , on the rules of your certain bank account. I have gone over, and i do get charged for the money borrowed with does make sense. Because the bank had to cover for me. |
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roritr2005
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I am assuming this is only in England. We should get so lucky in the USA. I could pay off my house if I got those charges back. Thanks for letting us know though. Have a great day!! |
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bob
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I have been charged loads, between me and the wife the banks couldn't afford to pay us back. lol. So far this year we have racked up about 400 quids worth, mostly dumb *** direct debits like te TV licence going out early, or ones arranged going out the day before payday. The swine! |
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ianmat
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No. And the charges you talk about are not illegal. The issue is whether they are fair and have been properly calculated. It is often about whether the bank finds it cheaper to go to court or to settle. There are a number of test cases going through the courts.
If you don't want to pay the charges, don't go overdrawn. You have to be a seriously bad customer to incur £5K of charges for going overdrawn. |
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tweetypie88888
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yes iv been charged a few times when iv been skint and needed something for kids or direct debits coming out earlier usually 25 quid charge. If i get that all payed back i will be a very rich girl lol |
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Isaac
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Yeah- $30 by Bank of America.
But they just make up their own rules, so I would never expect to be recompensated.
In 2002, it was $1.25 to use a foreign ATM. In 2004, it was $2.50. In 2005, they raised it to $5.00, plus a 1% currency exchange fee. They also charge me 3% when I use their Visa card abroad. |
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Lawyer
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only once
I had to pay 60 pounds to Lloyds TSB |
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muggle
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I've gone over my overdraft a couple of times, but it's been my own fault everytime. I agree the charges are too much, but I can just imagine my works face when I tell them they better pay me the money back.... my P45 would be sent out very quickly hee hee |
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