£35 charge for not having £9.41 in account?

Akbar

hi,
I bank with Halifax, they robbed me £35
around 14th april i purchased something off ebay, right, i had about £1.08 in my paypal account, and in the payment in voice it said that £1.08 will be deducted from my paypal account and the rest £9.41 out my bank card (visa debit), i had enough money in my bank card, i was busy, i thought they must have taken the money out there by now, so about 18th i went on my paypal account and saw that 9.41 is scheduled to be taken out from my account so i cancelled the thing, at that moment i was confused and had nothing in my bank account (i owe ebay over £9(commision and listing fees), so i thought it was that), days later, i recieved a letter from my bank saying that paypal has failed to acquire £9.41 from my account as there was not a penny in the account, and for that failed item i.m gonna be charged £35 on 2nd may?, what the **** is that all about, i thought they're havin a laugh, i went down to my local branch as soon as to find out what going on, they lady says to me that i cancelled the paypal thing on the 18th, had i done a day earlier i would have incurred a charge?
what's getting to me is i have not got any overdraft facility on my account(i had them take it off back when i opened the account), so what the **** why the charge, if i had a solo or visa electron card they would nt charge you a penny for a failed payment, so why my account, to top it all because the work lay-offs i aint even working now, im on JSA, and we'r in a recession here, for £9.41 they whacking me £35, thats taking the !!!!.
AM I IN THE WRONG?

dunstonh

I bank with Halifax, they robbed me £35

In the same way that you tried to rob money from them.

what's getting to me is i have not got any overdraft facility on my account(i had them take it off back when i opened the account), so what the **** why the charge

Because you failed to take personal responsibility for your finances and required someone else to do it for you.

AM I IN THE WRONG?

yes. The bank is greedy in the size of the charges but they are not wrong to make a charge.

The issue with banks is not the fact they charge but how much they charge. At the end of the day it remains your responsibilty to control your account.

natweststaffmember

Akbar wrote: »

hi,
I bank with Halifax, they robbed me £35
Have you reported this to the police since it is criminal law and not civil law(which everyone else uses to reclaim bank charges back)?

around 14th april i purchased something off ebay, right, i had about £1.08 in my paypal account, and in the payment in voice it said that £1.08 will be deducted from my paypal account and the rest £9.41 out my bank card (visa debit), i had enough money in my bank card, i was busy, i thought they must have taken the money out there by now, so about 18th i went on my paypal account and saw that 9.41 is scheduled to be taken out from my account so i cancelled the thing, at that moment i was confused and had nothing in my bank account (i owe ebay over £9(commision and listing fees), so i thought it was that), days later, i recieved a letter from my bank saying that paypal has failed to acquire £9.41 from my account as there was not a penny in the account, and for that failed item i.m gonna be charged £35 on 2nd may?, what the **** is that all about, i thought they're havin a laugh, i went down to my local branch as soon as to find out what going on, they lady says to me that i cancelled the paypal thing on the 18th, had i done a day earlier i would have incurred a charge?
Unfortunately you have to make sure and be 100% certain that a payment has left your account otherwise you will get charged.
what's getting to me is i have not got any overdraft facility on my account(i had them take it off back when i opened the account), so what the **** why the charge, if i had a solo or visa electron card they would nt charge you a penny for a failed payment,
But either way, you didn't have money on your account. The card is connected to the account so, if you use your card you should still make sure there are funds available on the account.
so why my account, to top it all because the work lay-offs i aint even working now, im on JSA, and we'r in a recession here, for £9.41 they whacking me £35, thats taking the !!!!.
I'm on JSA and I have local housing allowance, yet I still double check my account to make sure that there is funds to cover other payments. Have you looked into housing allowance/housing benefit?
AM I IN THE WRONG?

You are in the wrong to a degree, but you can still claim unlawful charges from your bank. You need to read Martin's guide to reclaiming.

oscar52

dunstonh wrote: »

In the same way that you tried to rob money from them.

Maybe you should reread the original post - pay attention to where OP states I cancelled the thing



I think calling the OP a thief is a little uncalled for.

Incidentaly, why are you here in the first place, it is clealy obvious that you have never previously had money worries from the content of your posts. Others are not so fortunate - hence why they are here - for help.

dunstonh

Maybe you should reread the original post - pay attention to where OP states I cancelled the thing

Not with the bank and if you read it, the op admits it was his error.

I think calling the OP a thief is a little uncalled for.

Just using the same style of posting the OP did. Banks have a lot of faults but accusing them of theft when effectively you are attempting to take their money without permission is a bit pot calling kettle black.

Incidentaly, why are you here in the first place, it is clealy obvious that you have never previously had money worries from the content of your posts. Others are not so fortunate - hence why they are here - for help.

It doesnt matter how much money you do or do not have. It is still your responsibility to run your own finances. You cannot rely on the bank to do it for you. Sometimes you can blame the bank, sometimes you cant. It does no-one any favours to automatically blame the banks every time.

aloiseb

Of course it seems outrageous. I have had charges like this myself lots of times and they are not a bit funny. However, getting mad and calling people names is unlikely to help, and will probably put some kind of black mark in your file.

I've found in the past that the most effective thing to do is ring the bank, explain the mistake and ask if they would refund the charge as a goodwill gesture, given that you are a good customer.

I currently have lots of money worries but I consider that this makes me a good bank customer.......considering the amount of money they are making from my overdraft interest.........

Good luck with it.

natweststaffmember

aloiseb wrote: »

Of course it seems outrageous. I have had charges like this myself lots of times and they are not a bit funny. However, getting mad and calling people names is unlikely to help, and will probably put some kind of black mark in your file.

I've found in the past that the most effective thing to do is ring the bank, explain the mistake and ask if they would refund the charge as a goodwill gesture, given that you are a good customer.

I currently have lots of money worries but I consider that this makes me a good bank customer.......considering the amount of money they are making from my overdraft interest.........

Good luck with it.

They are not making as much money NOW as they did 12 months ago as the BoE base rate is 0.5%. The bank will more likely refund a charge if you have money with them(lot of it anyway) than for someone with hardly a pot to **** in.

MLF76

Also, I would check the banks information about charges. It would not be unlikely for the bank to charge you again for the same £9.41 payment.
For example, with natwest , if you make a card payment without the funds in your account they will make an instant charge of £35. Then they will charge you a further £28 for exceeding your overdraft or account limit. And then, as if that's not enough, they will charge you a furher "unauthorised borrowing fee" of £30 which will leave your account on the 6th day of the following month.
Therefore, if you banked with Natwest you would be charged a total of £93 for that single payment of £9.41.
Don't mean to put a downer on things, but just want you to be prepared.

natweststaffmember

MLF76 wrote: »

Also, I would check the banks information about charges. It would not be unlikely for the bank to charge you again for the same £9.41 payment.
For example, with natwest , if you make a card payment without the funds in your account they will make an instant charge of £35. Then they will charge you a further £28 for exceeding your overdraft or account limit. And then, as if that's not enough, they will charge you a furher "unauthorised borrowing fee" of £30 which will leave your account on the 6th day of the following month.
Therefore, if you banked with Natwest you would be charged a total of £93 for that single payment of £9.41.
Don't mean to put a downer on things, but just want you to be prepared.

It depends on when the transaction is made and the account being recredited in all honesty. £35 yep, and £28 yep but it is not necessarily and addtional £28. There are changes taking effect now and also taking effect at the beginning of the next month which means for natwest they will not charge you immediately but will give notice of charges.

MLF76

natweststaffmember wrote: »

It depends on when the transaction is made and the account being recredited in all honesty.

What exactly do you mean by this statement?

natweststaffmember

MLF76 wrote: »

What exactly do you mean by this statement?

Ok, you make a transaction for £9.41 and the bank charges you £35 Guaranteed Card payment so you are shall we say £40 overdrawn. You have already incurred the £28 maintenance charge, but if you credit your account £50 before the end of that charging period then you don't get the additional £28 so therefore, it won't have cost you not the £90 but £53 for that single transaction. Does that make sense?