Knownow't
 |
You could write to them....but they usually need about 5 working days for a cheque to clear and the funds cannot be drawn until then....there will be something in the small print that says this....yes it is a rip off....but they can do it.....the answer is to have a credit balance in your account....or have an agreed overdraft ....then they won't charge you. |
|
mad
 |
Did you pay in a cheque? If so, it has to 'clear' before you can withdraw the money, and this can take a few days. Check with your branch. |
|
Guy U
|
Complain they will refund the £30. |
|
sue
 |
see if there are time stamps on any of your transaction receipts. If there are, go talk to someone in the bank to see if you can dispute the charges. |
|
Razzle
 |
phone and complain an you'll get them back. |
|
scottish football ....nuff said
|
thanks for the laugh........ |
|
duckinhimer
|
yeah just call them and tell story,if they dont care threaten to leave there bank that should help,good luck |
|
TallPaul
|
Make an appointment with the branch manager and get it refunded. All banks are tossers. |
|
jeanimus
 |
They will probably tell you that even if it shows as being in your account there is some stupid reason that it cant be drawn on. So just complain and threaten to change banks, and say you will complain to trading standards and the ombudsman. Banks dont usually like to be complained about so they may put it right. Then tell them to show you where in your terms and conditions it says whatever reason they gave you for it not being cleared. |
|
bella
 |
Im sure if you ring them they will refund the charges. Its computer generated so it happened automatically. |
|
gill c
|
I am involved in dealing with complaints at a major high st bank, cash paid in before the cut off time for that banking day(this can be as early as 3.30 pm in some banks) is credited to your account that day. Go into your bank calmly and they will give you an explanation and a full refund i would imagine.
Even bank staff have to shake their heads at how some of these situations arrive, we are not monsters. Don't get wound up just go in and you will get your cash back, believe me most bank staff are happy to help but we are tied up in rules and regs, this time you will get a refund , it is an easy "sorted" situation. |
|
Anthony M
 |
Not to me personally, but Banks are getting away with things like this all the time, this is why there are so many complaints, My advice is, NOT TO SEE, BUT WRITE, to your Bank Manager, (if you see him, you may get charged again, and he is obliged to answer your letter,) Explain your grievance, nicely, if your Manager is unhelpful, go to your local Citizens advice bureau, and see what they think, you can also go to the local rag, and show them the letter you received from the Bank. Good Luck. |
|
C B
|
Have a chat with them and the money will be refunded. If the credit was a cheque it may show on your account but not be cleared. This may have set of the computer to send you a letter. The banking industry is so competitive they will refund rather than lose your custom. |
|
des
|
print this question and adress it to the manager and hand it in at the bank with your contact details you should be refunded. |
|
NSangel
 |
You need to check your banks policies. Some banks put a HOLD on funds for up to a week before it actually shows up in your acct.
Which is what i think happened here. So you deposit the money, they HOLD the funds til they clear (however many days as stated in policy).
If you withdraw funds, here in canada, you can't unless the amt is actually in there, unless you have overdraft protection, or you wrote a cheque that went nsf. etc.
so i'm assuming your bank does allow you to w/d money that isn't *technically * deposited yet, and what you got was an NSF charge. *non-sufficient funds*
I would go to the bank, ask to speak to the manager, and have the acct explained. where it was your first error, they may reverse it out of courtesy. |
|
Serge M
|
Yes, it is common for banks to take 24 hours to credit a deposit. Most deposits are made by check and it takes time to verify that the check is good. The computers are programmed to record deposits within a give time. They are also programmed to show you that your deposit has been accepted. Your mistake is in not knowing that there will be a delay in the deposit being credited to your account.
It is possible that your bank will cancel the overdraft penalty if you explain what happened. Banks are not interested in upsetting good customers, but they can't change the computer programming that is designed for their operation. |
|
Phillip J
|
this is normal because when you have paid into your account it takes 24hrs to register, you should have drawn it out over the counter that way you could have avoided this. just typical of the banks now. anything to make more money out of the consumer. |
|
firecat_mage
|
Its taken a while but you have finally realised that banks are conning people left, right and centre.
But there may be light at the end of the tunnel (although it may be the train coming the other way)
http://www.moneysavingexpert.com/reclaim/bank-charges
Take a look at this and read it all.
You may want to try it for yourself. |
|
natasha *
|
You should call them and tell them, because if it was paid in with cash, it is instant. it is their problem, too many banks do this to people. |
|
bilbobagsend
|
yep but banks are there to make money and they do and this is one way they do it |
|
russell c
|
go in and kick off they did the same with my wife so she left them and went to halifax but there no better |
|
Astaroth
|
Strap some C4 to your chest then march into your local branch and demand that they credit your account.
Works for me |
|
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
