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Bank charges under a different name?
taylor*3
Posts: 1 Newbie
RBS have charged me £30 for a direct debit coming out the day before I was paid. They said by allowing the payment to come out, I had entered an informal overdraft request agreement that they will cheerfully charge at £30 for the maximum of three days. The pamphlet they sent actually just describes it as a fee, which we all know are illegal and unlawful. Is this the way they get around the whole bank charges situation and are they allowed to do it? Or are they just using different terms for basically the same thing and are still not entitled to charge me £30. I would like to know before I go down and see them and give them a piece of my mind :money:
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It is fee for a service ie borrowing money you dont have?0
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If it was £30 as you say, it must have been a direct debit that they've paid for you. This is usually done for direct debits which are important, such as mortgages.
When was the direct debit supposed to go out, and when did you get paid?
Have you though about changing the direct debit date so it gets taken after you get paid? Or maybe applying for an overdraft?
The charge is not illegal.Anything that I do say, is strictly my opinion
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The word you are looking for is unlawful. No it's not a new charge, yes it is reclaimable and others have offered other advice which I don't want to repeat since I think it is reasonable advice.RBS have charged me £30 for a direct debit coming out the day before I was paid. They said by allowing the payment to come out, I had entered an informal overdraft request agreement that they will cheerfully charge at £30 for the maximum of three days. The pamphlet they sent actually just describes it as a fee, which we all know are illegal and unlawful. Is this the way they get around the whole bank charges situation and are they allowed to do it? Or are they just using different terms for basically the same thing and are still not entitled to charge me £30. I would like to know before I go down and see them and give them a piece of my mind :money:0
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