Bank charges for going over my overdraft limit - please advise

fusar

Hello,

I bank with Alliance and Leicester, for the last few months I have gone over my agreed overdraft of £1000. I have tried to avoid this at every cost, but just couldn't find the money some days to prevent this.

During one month, I went over my overdraft limit, for about two days, on 6 different occasions. For each day that I go over my limit, I am being charged £5 - which I know doesn't sound much, but for those 12 days I was over my limit this month (2 days x 6 occasions), I have been charged £60. I was wondering if I could claim this back?

Any advice would be gratefully received....

Many thanks

mrcow

Are you sure you've only been charged £60 total? If so, then keep quiet about it - many other banks would have charged hundreds for this.

I'm a bit concerned about you saying that you couldn't prevent going over your limit. You need to get a workable budget to avoid this happening, otherwise charges are just going to mount up.

fusar

Thanks, I do need a budget....it's on my list of "to do" items tonight :-)

iwantasmallholding

fusar wrote: »

Hello,

I bank with Alliance and Leicester, for the last few months I have gone over my agreed overdraft of £1000. I have tried to avoid this at every cost, but just couldn't find the money some days to prevent this.

During one month, I went over my overdraft limit, for about two days, on 6 different occasions. For each day that I go over my limit, I am being charged £5 - which I know doesn't sound much, but for those 12 days I was over my limit this month (2 days x 6 occasions), I have been charged £60. I was wondering if I could claim this back?

Any advice would be gratefully received....

Many thanks

I have the same problem, its the £5 a day charge that they dont charge untill the middle of the next month, so you cant budget for it. Or i cant, so then the next month its 20 £5 charges, and if you check you credit file Alliance will have put you as being 2 months in arrears on a credit agrement which completely screws your credit file up.

I have tried to challenge it but they wont budge

fusar

Thanks, that explains alot, I didn't realise that they wrote it on your credit file.... that shines some light on why I got refused a credit card for the first time in my life the other week..... I just wondered if there was anything on the legal side of things that would allow us to claim the money back....

YorkshireBoy

How have you managed to avoid their £25 'payment review' fees?

What type of transactions created the unauthorised overdraft situations?

natweststaffmember

fusar wrote: »

Thanks, that explains alot, I didn't realise that they wrote it on your credit file.... that shines some light on why I got refused a credit card for the first time in my life the other week..... I just wondered if there was anything on the legal side of things that would allow us to claim the money back....

Yes you can reclaim them via the normal route. As a court has yet to rule on the legality of these charges then you can start the process today.

fusar

Thank-you staff member... I will add them to my claim :-) Has anyone ever tried to gain back this sort of charge (either a daily charge like mine or a one-off fee) for going over your agreed overdraft? I am claiming the fee incurred for having a direct debit returned - "payment review fee", but wasn't sure I could claim the first type mentioned above, as well.