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RBS (DD) bank charges.

eth01
eth01 Posts: 61 Forumite
in Reclaim bank & credit card charges
The DD attempted to debit £29, yet I only had £10 in my account - so it went minus by about £17 (i don't have an overdraft facility). This morning I have noticed bank charges for £38 and this is all new to me as i've always kept my bank account in shipshape order.

i'm unemployed - what do they want? blood?
:idea:

Comments

  • Twister84
    Twister84 Posts: 525 Forumite
    Part of the Furniture Combo Breaker
    No, they just want you to keep funds in your account for direct debits - the same as any other bank.

    However if it's the first charge you've had, speak to them nicely and you might be let off this once and have the charge refunded. Also they should be able to do something if you have some kind of benefits coming in.
    Anything that I do say, is strictly my opinion :p
  • eth01
    eth01 Posts: 61 Forumite
    Twister84 wrote: »
    No, they just want you to keep funds in your account for direct debits - the same as any other bank.

    However if it's the first charge you've had, speak to them nicely and you might be let off this once and have the charge refunded. Also they should be able to do something if you have some kind of benefits coming in.

    They aren't interested in refunding me - they keep mentioning "recent publicity" rubbish. they have however, waived the £20 for unauthorized credit.
    :idea:
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    eth01 wrote: »
    They aren't interested in refunding me - they keep mentioning "recent publicity" rubbish. they have however, waived the £20 for unauthorized credit.
    The £28 maintenance fee? count yourself lucky you got anything back. Why didn't you look at your finances as soon as you were made unemployed?
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
  • eth01
    eth01 Posts: 61 Forumite
    Kavanne wrote: »
    The £28 maintenance fee? count yourself lucky you got anything back. Why didn't you look at your finances as soon as you were made unemployed?

    i had pending transactions which i was depending on..
    :idea:
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    eth01 wrote: »
    i had pending transactions which i was depending on..
    I wouldn't 'depend' on them in the future. You can call the bank or go into a branch and ask if the money will be cleared in time :) better to be safe than sorry
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
  • eth01
    eth01 Posts: 61 Forumite
    Kavanne wrote: »
    I wouldn't 'depend' on them in the future. You can call the bank or go into a branch and ask if the money will be cleared in time :) better to be safe than sorry

    yep you are right and i am stupid. thanks rbs! oh and thanks :)
    :idea:
  • movingforward2010
    movingforward2010 Posts: 1,586 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well your charges are paying for the nhs now RBS 70% state owned ;)
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