Unfair or what!

rmhvr6

I paid a large cheque into my Barclays account (£1600)on Monday afternoon,apparently just after the 'cut-off'point (3.30pm, but didn't realise this till later). I also asked for a withdrawal of £50 fom that same account. This transaction went through as a 'forced' transaction. I have received a letter today (Wed) letting me know that on Monday, because I was over my overdraft limit, I have been charged with my Reserve Usage Fee of £22. (This fee was set up with my knowledge, in that if I go over my overdraft limit, this is the fee I incur etc.etc.). What I'm really cheesed off about is that the cashier did not bother to let me know I was already over my limit when I paid in the cheque and asked for the £50 withdrawal. I thought I was, so I didn't bother to check, particularly in view of the fact that I had just paid in a good sized cheque and my overdraft is a fairly modest £400. If she had, a) I would never have taken out £50, and b) I would have got cash from another account and paid that in immediately to prevent the charge being made. She had all my details in front of her on the screen.
I rang up Barclays and spoke to the complaints department, and was told they no longer have the authority to cancel a charge unless it's a bank error or computer error. Am I totally wrong in thinking that just possibly the cashier might have warned me of the state of play? Where have all the decent people gone in the banking sector, or were they never there in the first place. I am now left with writing a letter to the Head Office in Canary Wharf. Whoopee! It may be only £22 to them, but that means a lot to me.
Any other solutions?:mad:

zaksmum

Definitely you should complain in writing. Tell them if you don't have the charge refunded you will appeal to the Financial Ombudsman.

Stay polite though - if you start being abusive you lose the argument

willo65

zaksmum wrote: »

Definitely you should complain in writing. Tell them if you don't have the charge refunded you will appeal to the Financial Ombudsman.

Stay polite though - if you start being abusive you lose the argument

If you knew about the charges then why not just keep an eye on your account - From what I have heard the reserve on the account is an extended overdraft that you pay for if you use. therefore the cashier may have thought you were aware of your usage of the additional facility available to you as you were still within your total limit.

sadiethelady

At the end of the day the banks are out to make money out of us - that is what they are there fore despite the Government bailing them out.

If I was u I would go to the Financial Ombudsman and see what they have to say - cause I did it today and they were very helpful and have taken up my case.

Good Luck

Troubled_Joe

rmhvr6 wrote: »

What I'm really cheesed off about is that the cashier did not bother to let me know I was already over my limit when I paid in the cheque and asked for the £50 withdrawal. I thought I was, so I didn't bother to check,

Surely you could have checked if you actually thought that you were over your limit? The cashier isn't responsible for how you manage your finances.

willo65

sadiethelady wrote: »

At the end of the day the banks are out to make money out of us - that is what they are there fore despite the Government bailing them out.

If I was u I would go to the Financial Ombudsman and see what they have to say - cause I did it today and they were very helpful and have taken up my case.

Good Luck

I think you will find the rest of the retaillers on the high street are also out to make money out of you.

zaksmum

Even though you may be fully aware of charges to be applied to your account, you could argue that as you'd just paid a large cheque of £1600 into the account you thought you'd be ok to withdraw the £50 without it costing you an additional £22.

It's worth a try, and I know of two people recently who challenged similar charges and had them refunded as a gesture of goodwill.