abbey national overdraft charges, was it my fault!

stolt

hi, sorry if this is the wrong place, i want sure on where it should go.

Abbey national have charged me £52.25 interest and charges, when i phoned up they abbey operator told me he couldnt see what the charge was for and to wait to see if it is drawn out beause it looked like a error. I checked monday and it was withdrawn from my account, phoned abbey up again and the girl said she couldnt see why i had been charged an she would have to submit a form to another department for them to look into it (should take 10 days:rotfl:). Now i'm always in the black and have a overdraft of £500 although i have never used it.

I was going through my online statement and see where i might have made a error...:rolleyes:

I have several accounts with abbey national which i access online a felixable saver and a current account., due to a house sale we have some mony left over from the house.

As of the 5th of march i had £20729, on the 6th I transferred 21k over to the flexiable saver which left me in the red of -£270.42!:eek:, i realised my mistake and straight away I transferred £1000 to put me back in the black by £729.58.

I thought £52 was excessive for what was basically a 2minute error on my part, if it is due to this, as abbey at the moment cant tell me what the charge was for then i still think £52 is excessive!!

Paul_Herring

Subject:

overdraft charges, wast my fault

Body:

I was going through my online statement and see where i might have made a error...

There appears to be a contradiction here. And again here:

Now i'm always in the black and have a overdraft of £500 although i have never used it.
[...]
I transferred 21k over to the flexiable saver which left me in the red of -£270.42!, i realised my mistake and straight away I transferred £1000 to put me back in the black by £729.58.

We either aren't getting the full story, or you're not explaining it very well.

stolt

Paul_Herring wrote: »

Subject:
Body:

There appears to be a contradiction here. And again here:


We either aren't getting the full story, or you're not explaining it very well.

probably me trying to get it in my head right and not explaining it very well. As i say have phoned abbey twice and they couldnt say what the charges were . I looked online and see the £270 in red and assumed it mus be for then. I 'm assuming thats wh the staff couldnt see it either as i'm always in credit. This is the first time have dipped into a overdraft and all because i transferred too much into the saver account abielt a minute or two.

Hungerdunger

If it turns out that the charge is due to you going into the red for a minute or two, I would suggest a polite letter to your branch manager explaining the situation; how it never happened before, that you are a loyal customer etc etc. Worked for me when I went over my Credit Card limit with the Co-operative Bank for one day for the first time in 15 years and was charged £30.

stolt

Hungerdunger wrote: »

If it turns out that the charge is due to you going into the red for a minute or two, I would suggest a polite letter to your branch manager explaining the situation; how it never happened before, that you are a loyal customer etc etc. Worked for me when I went over my Credit Card limit with the Co-operative Bank for one day for the first time in 15 years and was charged £30.

thanks, i have wrote a letter of complaint to abbey, really in esponse to the time it will take them to get back to me. Just lately i have had a few problems with the service and feel like i want to move, real shame as i have bank with with them for 22years.

rb10

As you have a £500 overdraft, and you were only £270 overdrawn, that should have covered it. So they may have charged one day's interest on £270, which would only be pence, but there shouldn't be any more than that.

Maybe write a letter simply asking exactly what the charges are for?