Just recieved a letter, am gutted

maggie5

katy-lou i would try and ring, this happened to my ex boyfriend and when he rung and spoke to them they weived the charge then and there for him, at the end of the day like you say £28 is alot of money

katy-lou

Thanks all. I'll give them a ring and hope for the best. I shall report back. Thanks again x

Mikeyorks

I would ring, but ...... doesn't your new current account have an 'available' figure? Which would have reflected there was £5 in transit to Virgin and that had been authorised on the debit card?

Either way - plead ignorance of the workings of your new account, when you phone!

But then .... start to interpret the figures a bit better.

wornoutmumoftwo

Which would have reflected there was £5 in transit to Virgin and that had been authorised on the debit card?

I have an RBS which I assume works the same as Natwest and I paid for something online once for £40ish, it came off my avaliable balance and I forgot about it.

Couple of days later the amount went back into my avaliable balance so I could theorectically draw it out.

This has happened on a few occassions, I was told by RBS that when I pay online they remove it from the avaliable balance and hold the money for 2/3 days before it is actually processed (in case there was something wrong with the online order), so now if I pay online I make sure it actually shows on my statement and never assume it has been paid because it shows on a mini statement.

katy-lou

Yeah that's what happens when I buy stuff online or sometime from the shops, it takes it off, then a couple of days later goes back on. I was just having a dozy day when I decided to empty that account :rolleyes:

wornoutmumoftwo

I was fortunate as I had a basic account and was told they don't charge fees on it, I actually opened a current account (for good behviour) and if I order online I do it out of that one as I use it for bills/cheques/online transactions, stops any confusion.

I use my basic account for my usual spending and the saving one - well, that hardly sees any action as it's too easy to dip into.

KiKi

Hi katy-lou

The only other thing I would add is that when you're on the phone, be really, really nice to the Customer Assistant. Beg forgiveness: you've been so stupid, you desperately need the money, and you know it was all your fault - and you'd be SO SO grateful if they could help you out this time. if you get cross or sound annoyed it will be a definite no.

Many people on here who work for banks say that if someone is nice and admits fault, and explains the situation they might use their discretion to refund; whereas if someone is cross on the phone they tend to refuse. So as it was your error, begging is probably your best bet!

Cheers
KiKi