really annoyed!!!!!!!!!!!!!!!!!!!

IvanOpinion

I agree with innovate, sometimes we make mistakes and those mistakes are going to cost us. YOU agreed to the T&C when you opened the account .. you had the option to walk away and choose another bank that suited your needs.

Think of it as a good will gesture that you are paying the bank for your mistake. If the bank made a mistake you would demand a good will gesture - so why not the other way around ... at least they are honest up front ... did you tell them about your charges when they make mistakes?

Having said that though if you have nothing better to do for half-an-hour then phone up the bank and they will probably take it off the account or at worst split the difference with you. Golden rule is DON'T BREAK THE RULES YOU AGREED TO ABIDE BY.

Ivan

Stonk

Agreed. If you wantonly ignore your T&Cs and incur legitimate fines, it's no wonder you're in debt. Try taking a bit of responsibility for once, accept that it's your own fault (YES, it IS!), and stop whinging about it.

Why do you think it is in the least bit relevant that you went "only" a few pence over the limit? Why do you think it is called a limit, for God's sake?

trickytrolleys

Or maybe the banks could be abit more reasonable and charge something that reflects the loss! We are forced to have bank accounts these days and the banks capitalize on that - play them at their own game, thats what I say! I never considered my overdraf as the banks money - once it was put ito my account I treated it as my own and had a rather good time doing it - im never bothered aout banks and charges - if they think theyre going to charge me my account would be closed and all money gone before theyd have a chance

Becles

Learn to budget and keep a credit balance, then there's no risk of being charged anything. Problem solved

Quasar

I entirely agree with Alley cat. Which is exactly why I should threaten the bank with going to the press...

Becles

The OP was given terms and conditions by the bank, and would have agreed to a fine of £10 for going over the limit. She broke that rule and the fine was rightly applied. It seems very wrong to blackmail the bank with negative press action if they do not refund the fee, when it was the OP's fault in the first place.

If it we me (as it was when I forgot to pay a credit card bill and was fined £25), I'd take it on the chin and learn my lesson for next time (have since set up a direct debit for said credit card).

krisskross

I went overdrawn once many many years ago. My salary used to be paid on the last Wednesday in the month which was obviously a moveable feast. The rates DD bounced.......ok it was a long time ago LOL. Barclays were charging me but when I went into the branch they advised and set up a small overdraft to ensure it never happened again. They also refunded the charges. The trick is never to think the overdraft is your money, get all your DDs coming out as soon after payday as possible and keep a small credit balance.
Being charged for a few pence is a hard way to learn though.

*Sparkle*_3

Although banks do remove charges if you are constantly getting charged they wont remove them.
I believe abbey only will remove charges once a year. (if anyone else knows different then pls correct me)

JWM

The OP's point was the size of the charge - yes you are totally right - £10 for 18p overdrawn is terrible!

Why don't the banks just charge you interest on the overdrawn amount - the only reason they charge is because they can. Complain and then if nothing comes of it vote with your feet and move banks.

Good luck

taxi97w

newmum1 wrote:

ive just opened yesterdays mail and a letter from barclays ....

Keeping on top of things will prevent this sort of thing happening in the first place.;)