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Mike M | My bank has charged me 30 pounds for being overdrawn 1 day.Can they do this legally? |
My overdrawn amount was 150 pounds & I had several thousand pounds in a savings account with the same bank on the day I went overdrawn.I should also add,that i have been with this bank 17 years. |
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dopeysaurus
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Unfortunately yes, but if you go and complain to the manager he may refund it. Good luck. |
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Dark Beauty
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Yes, the bank can charge you an amount for TOD (Temporary Overdraft). That's one of the allowable fees and charges indicated in the Terms and Conditions which you also signed when you opened the account. Even if you did have sufficient balance (or more) in your Savings Account, as long as you don't have a written instruction that allows the bank to transfer funds from your Savings to your Checking Account, the bank will not make the necessary transfer.
However, since you've said that you have been banking there for 17 years, I'm sure you have built a good relationship with the bank and its people. In addition to that, if you have been maintaining your account well, meaning having above average balances and no history of overdrafts (this being the first), I'm sure you can request for a "waiver of charges" from the Bank Manager. I'm sure he/she would be happy to help you on this as a valued client. |
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Scottish lass
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unfortunately they can, why not go in to your bank and ask them if it's possible for them to contact you when your away to be overdrawn, that's what my bank does with me then i just go in and transfer the money over as there not allowed to do that. try getting the telebanking that way you can check your account wherever you are and also find out if you have enough money in your account if you don't transfer some over |
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tricia1971
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Yep! Go and talk to them and tell them your really unhappy about this and may even change your bank.
If this is the first time you went overdrawn then as good will they may let you off this time. Talk to the Bank Manager.
Good Luck
LoL Xxx |
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ReikiKev
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Yes, it is in the small legal documents the you signed to open up the account. |
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Spike Spiegel
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Yes, gotta read your terms... also even thou you had money in your savings you gotta set it up so that if you over draw it also goes for your saving and or credit card accounts, see if your bank offers this set up. also talk to them if this is your first time they usually let them slide and refund the charge |
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Violent and bored
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My bank (First Direct) has charge me £35.00 for being 16pence over my overdraft limit for 7 hours.... (b*stards).
However, they have waived the fee after a complaint to them, so talk to customer services and have the charge refunded to you, remind them that you have been a loyal customer for 17 years and that you have a substantial savings account, they are generally pretty reasonable.
Failing that, complain to the financial ombudsman about excessive charging. |
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who_are_ya
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!!!! LISTEN !!!!
Now I have your attention.
F*** the banks charges, forget the small print like the earlier people have said. The Banks are NOT legally allowed to do this, they can charge you the amount it costs them to do things, for instance it's not relative to the amount you've defaulted by but the fact you have. If it costs them £30 to sort the matter out for you (deny money, overdraft charges and letters etc) then they can.
But are they trying to tell me that it actually costs them £30 for going a little over your overdraft. BOLLOCKS!!
In the middle section of the Sun newspaper today (11th July) there is an article. However go to this link
http://www.bankcharges.info/
I would recommed you not spending any money on trying to retrieve any money.
I would recommend you read up about this.
I did the same and received £8000 back from three banks....!! |
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jasont22
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It doesn't make any difference to a bank if you have been a so called 'loyal customer' or not. If their computer system charges you, it is because, for however small amount of time, you have breached the terms and conditions to which you personally signed up to when you opened the account. You can normally have the charge refunded or prevented from being applied to your account on the first occasion that it happens, but only once. If it happens again, then it is because you're not managing your finances as well as you should! It is in the terms and conditions of the account that they can charge you these fees, so you have signed on the dotted line to tell then that they can Im afraid! It doesn't sound terribly caring or pleasant, but thats not what banks are for, more like £££££+£££££££££££ |
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Alex should be working
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Yes they can. At the beginning of every financial year (april in uk) they should send you an annual statement and a leaflet clarifying charges. It's your responsibility to read these charges and make sure you don't incur any.
Sorry about that! |
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Mike H
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Yes they can, but if you don't like how they treated you, you should write to them and tell them so, and change your account to another bank. |
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Lulu
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No they can't!
That is why they are lowering the charges, how can they justify 30 pounds a day for one automated letter!
If you go on the which website there are set letters for you to send to your bank and claim part or all of this back.
good luck! |
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corpuscollossus
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I proofread bank terms and conditions for a living (someone kill me). The rights the banks give themselves in the fine print is insane. However, if you've got a history and capital with the bank, go and complain to the manager, and threaten to withdraw your savings and place it with their closest competitor. They'll probably reduce it. |
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tom_gre2002
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Yes. They consider it an administration fee for dealing with the problem, also if you went overdrawn by a large amount they would have to cover the price |
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steve e
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Try writing to your bank - you'll be amazed how often they refun the charges. martin Lewis says a lot about this on his superb web site. You should have a look at it. It covers lots of topics. Look for http://www.moneysavingexpert.com. You can get regular mails from him on so many money saving topics |
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