Bank stopped overdraft without telling me!!!

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Comments

  • bengal-stripe
    bengal-stripe Posts: 3,349 Forumite
    Name Dropper Combo Breaker First Post First Anniversary
    WoundUp wrote: »
    .....have been informed that as of the 29th of June, my overdraft facility was removed.......have so many charges, that I wrongly assumed were given to me as I had gone over my overdraft. These charges were because I had no overdraft.

    Do you ever check your account or the statements?

    That overdraft was removed almost two months ago and you haven't noticed until today?!?
  • WoundUp
    WoundUp Posts: 12 Forumite
    I have checked my last statement dated the 15th of July and it advises me that I still have an overdraft of £200 yet the bank pulled it at the end of June.
    This makes no sense!!!
  • zppp
    zppp Posts: 2,476 Forumite
    I agree with all of the posters who say the overdraft expired.
    Best Regards

    zppp :)
  • WoundUp
    WoundUp Posts: 12 Forumite
    Just an update, received a phone call from the Bank today. They have apologised, said it was an error and should never have happened.

    No offer of any compensation for stress caused/telephone charges to the bank (it's an 0845 number and must have cost me a fortune as I was on the phone for at least an hour!!), just a little 'Oops, we are so sorry.

    NOT happy but at least I know it's not my fault!
  • zppp
    zppp Posts: 2,476 Forumite
    WoundUp wrote: »
    No offer of any compensation for stress caused/telephone charges to the bank (it's an 0845 number and must have cost me a fortune as I was on the phone for at least an hour!!), just a little 'Oops, we are so sorry.

    Tell them to reimburse the call costs - they will - ask for £20 - they will agree if it is a bank error.
    Best Regards

    zppp :)
  • stclair
    stclair Posts: 6,844 Forumite
    Name Dropper First Anniversary First Post
    They probably wouldnt offer you any compo as you havent suffered any financial loss.

    However in future ask the bank to call you back if you know its going to be a long call.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • thatsean
    thatsean Posts: 992 Forumite
    Good news it's sorted - did they give you no idea as to what went wrong?
  • WoundUp
    WoundUp Posts: 12 Forumite
    None whatsoever, they just couldn't work out why it had happened.

    I assume this to mean that someone 'messed up' or it was a computer glitch.

    All back on track today, have checked my account and the overdraft is back!! :j
  • djones9960
    djones9960 Posts: 29 Forumite
    WoundUp wrote: »
    None whatsoever, they just couldn't work out why it had happened.

    I assume this to mean that someone 'messed up' or it was a computer glitch.

    All back on track today, have checked my account and the overdraft is back!! :j

    Nice one. :)

    Now, if only I could get Santander to do the same... :(
    (although at least they've given me notice...)
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